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Home Mover Guide

Whether you’re moving on, moving up, downsizing or maybe you’ve just spotted your dream property, moving home is more straightforward with Progressive.

Find your new Happy Place with Progressive

If the time has come for you to move, it’s time to talk to us. We’re your local experts, and while you’ll have been down the mortgage road before, we know that you’ll still want some help throughout the process and can advise you on how to move home and sort out your mortgage.

We know exactly what you’re looking for in a mortgage and with quick decisions and a possible free valuation, moving home with a Progressive mortgage could be the best move you’ll make!

With as little as a 5% deposit, you could take your pick from a range of Home Mover Mortgage products, many without admin fees. Use our home mover mortgage calculator to see what products could be available to you.

Your step-by-step guide to moving home

You’ve seen the house of your dreams and now’s the time to put your stamp on it. Make sure you’re up to speed with the process so you can get moving to secure your new happy place.

  • Your offer is accepted!
  • Contact your local Progressive branch to make an appointment with a Mortgage Advisor
  • At this point, you’ll need to find a solicitor
  • At your Mortgage Appointment, we’ll check any existing loans and out-goings, conduct an affordability assessment and complete an application form
  • Once your application is approved, we’ll arrange for your chosen property to be valued
  • We then send your offer of mortgage to you and your solicitor
  • Once your mortgage is agreed, your solicitor will complete all the legal work and ask for funds to be transferred
  • We provide the funds on your completion date

Congratulations! You pick up your keys and move into your new home!

Home Mover must-haves

Your current mortgage may be with us or another provider.  Either way we can assist in getting you that step closer to purchasing your happy place! Simply book an appointment with your local branch to find out about the full range of options available to you. 

Remember to bring the following along with you:

  • Proof of identity; a current passport or driving license
  • Proof of address; a utility bill or bank statement from within the last 3 months
  • Proof of income; if employed, latest P60 and last 3 months payslips, if self-employed, last 3 years business accounts (most recent accounts must not be older than 18 months) or last 3 years SA302’s and corresponding tax year overviews;
  • Bank details; last 3 months’ bank statements showing income and spending

Details of any existing financial commitments; up to date balance of credit or store cards, personal loans and hire purchases.

Our Home Mover Mortgage options

We offer two main types of mortgage: Fixed Rate and Variable Discount Rate.

We know that everyone’s circumstances are different, so we offer a range of products to suit individual needs.

  • A Fixed rate means your monthly payments remain the same, so you’ll know exactly how much you’re paying each month
  • A Variable discount rate means that your monthly payments could fluctuate, depending on the external market interest rates.

Each mortgage product covers a term of 2, 3 or 5 years.

After this period, your mortgage will automatically switch to Progressive’s Standard Variable Rate, which may mean that your monthly repayments increase. We’ll write to you before this happens, inviting you to talk to us about switching to another deal.

When you decide to use Progressive as your mortgage provider we want to make sure you’re always getting the product which best suits your needs.

Take Notes

Isn’t it funny how you always remember questions AFTER you’ve left the appointment? Why not have a think now and jot down the information that’s important to you such as: branch manager or mortgage advisor’s details, appointment times and any queries you may have.

Speak to our team today

We’d love to talk you through the mortgage process and help you find a suitable product. For more information or to apply, you can call us, email us, pop into one of our 12 branches. We look forward to hearing from you.

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