Home Movers in The Lancashire Area
whitewood Mortgages
Time for a Fresh Start?
Whether you’re upsizing, downsizing, relocating for work, or simply moving into your forever home, changing property is a major life event.
At Whitewood Mortgages, we’re here to make your move as smooth and stress-free as possible. We specialise in helping home movers across Lytham St Annes, Freckleton, Warton, Blackpool, Poulton, and Preston secure the right mortgage to suit their new chapter.
Our clients range from families needing more space, to couples moving closer to the coast, to those buying a retirement home with sea views. Whatever your reason for moving, we’ll guide you every step of the way.
sPEAK TO MARC
Arrange a call now.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Local Knowledge. Personal Service.
Moving home isn’t just about bricks and mortar. It’s about finding the right
community, the right lifestyle, and the right financial foundation. With deep
knowledge of Lancashire’s property market and mortgage lending landscape, we’re
perfectly placed to support home movers throughout the Fylde Coast and beyond.
Wherever you’re going, we’ll help you get there.
Why People Move
We work with a wide range of clients who are moving home for different reasons:
– Needing more space for a growing family
– Downsizing after children have moved out
– Moving closer to good schools, work or family support
– Seeking a more peaceful lifestyle in villages like Warton or Freckleton
– Wanting to live near the coast in Lytham St Annes or Poulton
– Relocating for new job opportunities in Preston or Blackpool
– Selling a shared home following life changes such as divorce or separation
Each move comes with its own considerations, and our role is to make sure your
mortgage works for your needs now and in the future.
Areas We Cover and Why People Love Them
Lytham St Annes
With its tree-lined streets, Victorian architecture and beautiful coastal walks, Lytham is a dream location for many movers. The area offers excellent schools and a relaxed pace of life, making it ideal for families and retirees alike. Property prices
here are typically higher than in neighbouring areas, but the lifestyle is well worth it.
Preston
One of the North West’s fastest-growing cities, Preston offers a fantastic mix of urban convenience and suburban charm. If you’re moving for work, university
access, or better transport links, Preston is a prime choice.
Freckleton and Warton
Nestled between Lytham and Preston, these villages offer a quieter lifestyle and a strong sense of community. With new-build developments and more space for your money, they’re popular with second steppers looking to settle down for the long term.
Blackpool
Still one of the most dynamic towns in the region, Blackpool is ideal if you’re looking for affordability, investment opportunities or vibrant culture. Whether you’re upgrading to a larger family home or moving into a quieter suburb, Blackpool has
plenty to offer movers at all stages of life.
Poulton-le-Fylde
A market town with excellent commuter links, Poulton combines historic charm with modern amenities. The strong local schools and great pubs and cafes make this a popular spot for growing families.
Not Seen Your Area?
Don’t worry if the area you are looking for isnt listed here, we will still be able to help. Contact Us for more information.
Why Use a Mortgage Broker When Moving House?
Moving home often means taking out a new mortgage, or transferring your current deal to a new property. There are many routes to consider, and it can be hard to know which option is best. That’s where we come in.
We offer:
- Access to a wide range of lenders including those not available direct
- Advice on whether to port your current mortgage or take out a new one
- Support with calculating your budget based on expected sale and purchase prices
- Guidance on managing your existing mortgage while purchasing your next home
- Help with paperwork, timing, and legal coordination
Mortgage Porting Explained
Most mortgages are “portable”, which means you may be able to transfer your existing deal to your new property. This can be useful if you’re currently tied into a low fixed rate. However, porting is not always straightforward.
We help you explore:
– Whether your lender will allow porting and under what conditions
– If your new purchase price is higher, what additional borrowing you’ll need
– Whether switching lenders altogether could save you money long-term
– What fees or early repayment charges may apply if you exit your current deal
What to Consider When Moving House
Can You Afford the New Monthly Payments?
Even if you’re borrowing the same amount, your repayments may change depending
on your new interest rate or term. We’ll help you calculate affordable repayments and
explain the impact of any changes to the loan structure.
What Equity Do You Have?
If you’re selling your current home, your equity (the value of your home minus your
outstanding mortgage) can go toward your next deposit. We’ll help you work out
what you’re likely to receive after fees, and how to use it most effectively.
What Upfront Costs Should You Budget For?
Moving home comes with costs such as:
– Estate agent fees (usually 1% to 2% of sale price)
– Solicitor or conveyancer fees
– Mortgage product fees
– Stamp duty (unless you’re a first time buyer again in specific cases)
– Moving costs and removal services
– Survey fees and possible home improvements
We’ll help you understand these costs early on so there are no surprises later.
Should You Sell First or Buy First?
There’s no one-size-fits-all answer here. Some clients choose to sell first and rent
temporarily. Others line up a simultaneous sale and purchase. We can support you
with planning your timings and financing strategy.
How Does Your Credit Score Affect Things?
If you’ve had changes in income or credit history since your last mortgage, this can
affect your options. We carry out soft checks to help you understand how lenders
might view your application.
Contact us
Ready to Start Your Next Chapter?
Your next home is waiting, and we’re here to help you find it.
At Whitewood Mortgages, we make moving home feel more manageable, less stressful, and more rewarding. We are local, approachable, and focused on making sure your next
mortgage suits your lifestyle and goals.
Whether you’re moving across the street or across the county, we’re here to help make your move a success.
Disclaimer
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
As with all insurance policies, conditions and exclusions will apply.
Whitewood Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, Which is
authorised and regulated by the Financial Conduct Authority.
Proprietor: Marc Bennett Mortgage Broker Based in Lytham St Annes covering the
whole of the Fylde coast including Blackpool.
Mortgage Broker Blackpool
Registered Office: Whitewood Mortgages, 7 Orchard Road, St Annes-on-sea, Lancs FY8 1RY.
The Information on this website is subject to the regulatory regime and is therefore targeted at
consumers in the UK. No representations are made as to whether the information is applicable
in any other country which may have access to it.
Typically we charge an arrangement fee of £495.00, however the precise amount is dependent on your
circumstances and will not exceed 1.5% of the mortgage amount.
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Email us
marc@whitewoodmortgages.co.uk
Address
7 Orchard Rd,
Lytham Saint Annes
FY8 1RY
Call Us
01253 800 345