Moving Home? We Make Your Mortgage Move With You
Moving to a new home involves more than just finding a property. We coordinate your existing mortgage, assess porting options, and arrange your new mortgage so that everything lines up perfectly on moving day.
Get Moving Mortgage AdviceMoving Home — More Complex Than It Looks
Home movers face a unique set of mortgage challenges. You may have an existing mortgage with Early Repayment Charges, a fixed rate you want to keep, or a lender that won't approve you for the new property's purchase price. Getting this wrong can cause real problems — we make sure it goes smoothly.
What We Advise On
- Porting your existing mortgage to the new property
- Top-up borrowing on top of a ported mortgage
- Switching to a better deal at the same time as moving
- Bridge-to-let if there's a timing gap between sale and purchase
- Onward chains — what happens if your buyer's mortgage falls through
Porting Explained
Porting means taking your existing mortgage deal with you to your new property. This can be a good option if you have a good interest rate or want to avoid Early Repayment Charges. However, porting isn't always possible — the new property must meet your lender's criteria and you must pass fresh affordability checks. We'll tell you quickly whether porting makes sense for your situation.