Moving house, without losing track of the money

Moving isn't just a new mortgage. It's two accounts overlapping for a while, a pile of one-off costs arriving at once, a chain that might not move on your timeline, and a budget that needs updating mid-move rather than after it.

1. While you compare

   Your next mortgage against your current one

   Keep your existing account active in My Mortgage while you scenario-plan the next one in New House Search.

2. As costs land

   Removals, stamp duty, solicitor fees

   Tracked in Costs as they're estimated, confirmed, and paid, not guessed at from a moving-day checklist.

3. The weeks it overlaps

   Two mortgage accounts, one household

   A ported balance, a top-up, an account you're paying off while moving: tracked together with one combined debt-free date.

4. If the chain slips

   When the sale and purchase don't line up

   Keep tracking your current mortgage payments and moving costs right up until completion, so you can see exactly what a chain slipping a few weeks actually costs.