FCA Regulated
Chain management
Porting advice
Whole of market
Getting the timing right
When you are selling one property and buying another, the mortgage needs to be arranged before you commit to a purchase. We get your Agreement in Principle sorted early so you can make offers with confidence, and we manage the full application to fit around your chain.
If your current mortgage deal still has time to run, we assess whether porting makes financial sense or whether paying the early repayment charge and taking a new deal with a different lender actually works out cheaper over the longer term.
How we help home movers
What you will need
- Proof of income (payslips, accounts if self-employed)
- Bank statements (usually 3 months)
- Details of your current mortgage
- The property you want to buy (address, price, estate agent details)
Common questions
What is porting?
Porting means transferring your existing mortgage deal to a new property. You keep the same rate and terms, and just change the security. It avoids early repayment charges but may not always be the cheapest option overall.
Can I increase my mortgage?
Yes. If the new property costs more than your current one, you can borrow additional funds. The extra borrowing may be on a different rate from your existing deal. We set out the combined cost clearly.
How long does it take?
A home mover purchase typically takes 8 to 14 weeks from offer accepted to completion, depending on the chain. We work to the timeline your estate agent sets and chase where needed.
Do I need a survey?
The lender will arrange a basic valuation, but this only checks the property is worth the purchase price. We recommend getting a homebuyer survey or building survey for your own peace of mind, especially on older properties.