Mortgage Advice for Home Movers

Mortgages Made Simple

Whether you’re looking for a bigger home, , or you want to move to a different area for work or schools, PBS Mortgage & Financial Advisers are here to help. No matter where you are in the buying process, our support you the rest of the way. If you have a new dream home in mind or just want to know what price range would be affordable, we can help.

We’ll take the stress out of financing your next home and guide you every step of the way, making sure you can find the right mortgage to suit your needs.

Find the Right Mortgage for Your Next Home

Every home move is unique. We assess your financial situation and mortgage options to find the best deal that suits your needs. Whether you want to transfer your existing mortgage or explore new lenders, we make the process straightforward.

Porting Your Mortgage

Already on a great mortgage deal? Some lenders allow you to transfer your existing mortgage to your new home. We’ll check if porting is an option and compare it with new mortgage deals to ensure you're getting the best value.

Additional Borrowing Options

If your next home is more expensive or you need extra funds for renovations, you may need to borrow more. We’ll help you explore options for additional borrowing, ensuring affordability and competitive rates.

Handling the Application & Lender Negotiations

Applying for a mortgage while selling and buying can be time-consuming. We manage the entire mortgage application, liaising with lenders to ensure a smooth and hassle-free approval process.

Protection for Your New Home & Finances

Moving home is a big financial commitment. We help you protect it with the right insurance policies, including:·

- Life insurance to cover your mortgage in case the unexpected happens.
- Income protection to safeguard your payments if you're unable to work.
- Buildings & contents insurance to protect your new home and belongings.

For home movers in the Lancaster and Morecambe area, we offer clear mortgage advice covering the whole market. Different lenders have very different terms and conditions for their remortgage products and it can be important to take that into account.

Get Started

Frequently asked questions

Everything you need to know about the product and billing.

Can I move my current mortgage to my new home?

Some mortgages are ‘portable,’ meaning they can be transferred to a new property. We’ll check if this is an option and compare it with other deals.

Do I have to use my current lender?

No, you can explore deals from different lenders. We compare options to ensure you’re getting the best rate and terms.

What if I need to borrow more for my new home?

We’ll help you assess how much more you can borrow and find the best mortgage solution that fits your budget.

How do I protect my mortgage payments if I lose my income?

We offer tailored protection advice, including income protection and life cover, to ensure your home and finances are secure.

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford

Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott

Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne

Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald

Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa

Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford

Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks

Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron

Lancaster

Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way. Super responsive to my many emails to him. Thanks again Ross!

Terri Whiteside

Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster

Berkshire