What to Consider When Moving House in 2025: Mortgage & Financial Planning Tips

Moving house is exciting, but it requires careful planning. Here’s what you need to consider.

1. Check Your Mortgage Options

• If you have a fixed-rate mortgage, check for early repayment charges.
• If moving, consider porting your mortgage (see below).
• If rates are low, you may remortgage for better deals.

2. Factor in the Costs

• Stamp Duty (check exemptions).
• Moving costs (removals, surveys, legal fees).
• Utility setup fees for new providers.

3. Sell Your Current Home Smartly

• Boost kerb appeal – declutter & stage your home.
• Get a fair valuation – compare estate agents.
• Time your sale wisely – spring & summer are peak seasons.

💡 Tip: Get a mortgage Agreement in Principle (AIP) before house hunting!