You are considered a home mover if you have a mortgage on your current home or you’ve previously owned a property, and you plan to buy a new one. 

When moving home, you can either transfer your current mortgage to your new property (known as Porting), or find a new deal with your existing lender or a different one. Please note, in some cases an Early Repayment Charge may apply.

When porting your mortgage, a new application is required. If your new property requires an increase in loan amount, you may have to take out a second mortgage in addition to the ported one.