When you move, you don't always need a new mortgage - you may be able to port your existing deal to the new property. But porting has rules: rate bands, LTV limits and top-up blending. We work out whether porting, switching or a new lender gives you the best outcome.
Porting your current deal
Porting lets you take your existing mortgage to a new property, often avoiding early repayment charges. But you'll usually need to borrow more (a 'top-up') at the lender's current rates, blended with your existing rate. We calculate whether that blend beats a fresh deal elsewhere.
- Avoid early repayment charges by porting
- Top-up borrowing at the lender's current rates
- Blended rate comparison vs full remortgage
Chain management
If you're in a chain, timing is everything. We coordinate with your solicitor, the seller's broker and the lender's valuer to keep simultaneous completions on track - and arrange bridging or temporary solutions if dates slip.
- Coordinated valuation and conveyancing
- Simultaneous completion planning
- Contingency options if dates move
Borrowing more
Upsizing usually means borrowing more. We reassess affordability at the new loan size, stress-test at the reverted rate, and confirm your borrowing ceiling before you commit to a purchase price.
- Affordability reassessed at the higher loan
- Stress-tested at the lender's reverted rate
- Clear borrowing ceiling before you offer