Today’s best home mover rates, priced on the equity you’re carrying.
Moving home often drops you into a better LTV band than you started in. Compare home mover best-buys — fixed and tracker, every deposit size — refreshed from lender data every night.
Home mover best rates
Moving home? The lowest rates for a new purchase mortgage.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H HalifaxBest rate | 4.27% | £1,357on £250,000 | Sept 2028 | — | £999 | See full deal → |
| 2 L Lloyds Bank | 4.27% | £1,357on £250,000 | 2 yrs | 7.24% | £999 | See full deal → |
| 3 L Lloyds Bank | 4.47% | £1,385on £250,000 | 2 yrs | 7.24% | None | See full deal → |
| 4 N Nationwide BS | 4.64% | £1,410on £250,000 | 2 yrs | 6.49% | NoneFree valuation | See full deal → |
| 5 H HSBC Bank | 4.68% | £1,415on £250,000 | Oct 2028 | 6.24% | None£350 cashbackFree valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
When you move house, your mortgage position resets around two numbers: what your new home costs and how much equity you’re bringing from the sale. Years of repayments and, in many areas, house price growth mean movers often arrive at a lower LTV than first-time buyers do — and every step down through the LTV bands (85%, 75%, 60%) typically unlocks a cheaper rate. The tables above price the home mover range specifically; purchase rates and remortgage rates sit in their own ranges at most lenders and shouldn’t be mixed.
The other decision unique to movers is what to do with an existing fix. If you’re partway through a fixed deal, leaving it to buy a new home means either paying the early repayment charge or porting the mortgage. Porting moves your current deal to the new property; if you’re buying a more expensive home, the extra borrowing is priced at today’s rates and runs as a separate tranche. Weighing the ERC against the rate difference on a full new deal is worth the arithmetic — the answer changes depending on your balance, rate gap, and how many months remain.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.