Porting or switching
Already have a mortgage? You may be able to take it with you, or it might be cheaper to switch. We compare both routes and recommend whichever leaves you better off.
We coordinate timings so your sale and purchase line up as smoothly as possible.
- ✓A side-by-side comparison of porting versus a new deal
- ✓Help borrowing more if your next home costs more
- ✓Careful timing so you are not caught between two properties
Chain-friendly service
Chains move at the speed of their slowest link. We keep your part moving with fast paperwork, proactive lender chasing and clear updates at every stage.
If your circumstances have changed since your last mortgage, we will find lenders who fit where you are now.
- ✓Proactive lender and solicitor chasing
- ✓Options if your income or situation has changed
- ✓Protection reviewed so your cover keeps pace with your new home
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Often yes. This is called porting. We check whether your existing deal can move with you and whether that is actually your best option once early repayment charges are considered.
We can arrange additional borrowing on top of a ported deal, or a fresh mortgage for the full amount, whichever works out better for you.
As early as possible. Getting your finances lined up before you offer means you can move quickly when you find the right home.
It is frustrating but common, and it rarely means starting from scratch. Your decision in principle usually remains valid, and we adjust the application once a new buyer or property is found.
Usually yes, on the property you are buying, unless it falls below the threshold for where you live in the UK. Try our stamp duty calculator for an instant estimate, and we will confirm the exact figure.
Often, yes. A blip on your credit file narrows the field but rarely closes it. We know which lenders take a pragmatic view and will be honest with you about your options.
Planning your next move?
Let us line up your mortgage early so you can offer with confidence when the right home appears.