For Home Movers

    Moving home? Get clear mortgage advice before your next move.

    From upsizing and downsizing to relocating, The Mortgage League helps home movers understand their mortgage options before they commit. We will compare porting your current mortgage with a new mortgage deal, explain what you may be able to borrow and help keep things moving when the property chain gets busy.

    • Upsizing or downsizing. We assess affordability against the home you actually want to buy.
    • Port or remortgage. We compare keeping your current rate against switching to a new deal.
    • Chain support. We chase lenders, solicitors and agents so you do not have to.
    • Realistic timelines. Honest expectations about how long each stage typically takes.
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    The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
    Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

    Mortgage porting, made simple

    If you are moving home, mortgage porting may allow you to transfer your existing rate to your new property. We will check your lender’s rules, affordability, early repayment charges and new mortgage options so you can decide whether porting is the right move.

    Keep your current deal

    Porting may allow you to take your existing mortgage rate and terms with you when you move.

    Avoid early repayment charges

    Potentially save thousands by sidestepping ERCs on your existing deal.

    Subject to lender approval

    Your lender reassesses affordability and the new property before agreeing.

    We'll check everything for you

    We confirm whether porting is an option and whether it's the right move.

    Is porting right for you?

    It depends on your rate, loan to value and the new property you're buying. We'll run the numbers and compare porting against a fresh mortgage so you can see which route actually saves you money.

    FAQ

    Home mover mortgage questions

    The questions we hear most often from people moving home.

    Can I take my current mortgage with me?
    Many mortgages are 'portable', meaning the rate and terms can be transferred to your new property, subject to a fresh affordability and property assessment by your lender. Whether porting is actually the right answer depends on your equity, the new loan size, the rates available today and your early repayment charge. We cover this in detail in the porting guide above and we always run the numbers both ways before recommending a route.
    Can I increase my borrowing if I port?
    Yes, in most cases. The portable element of your mortgage moves across at your existing rate, and any additional borrowing is placed on a new sub-account at one of the lender's current products. The lender will reassess affordability against your current income and outgoings to make sure the total commitment is still sustainable. The result is one mortgage made up of two parts, each with its own rate and end date, which we will compare against simply taking a fresh mortgage with another lender.
    What happens to my early repayment charge if I port?
    If your purchase and sale complete on the same day and you successfully port the same loan amount or more to the new property, the early repayment charge is normally not triggered. If you port a smaller amount, an early repayment charge is usually applied to the portion you are not carrying across. Some lenders also offer a short window after sale to complete the new purchase and still port without a charge. Lender rules vary, so we always confirm the small print with your specific lender before recommending porting.
    Will I need to prove my income again?
    Yes. Even if you are staying with your existing lender, moving home triggers a new affordability assessment based on your current income, expenditure, credit profile and the new property. Lender criteria change over time, so the amount you could borrow today may differ from when you originally took your mortgage out.
    What if I am buying before I have sold?
    Options may include a let-to-buy arrangement, bridging finance or simply timing the sale and purchase to complete on the same day. Each route has different costs and risks. We will talk through what fits your circumstances and refer you to a specialist where appropriate.
    Do I have to use the estate agent's recommended broker?
    No. You are free to choose any qualified mortgage adviser. Estate agents may suggest their in-house broker, but you are under no obligation to use them and doing so should never be a condition of your offer being accepted.
    How early should I speak to a mortgage adviser?
    As early as you can, ideally before you start viewing. Knowing what you can comfortably borrow, what your monthly payments could look like and having a Decision in Principle ready means you can move quickly when the right home comes up.
    Will moving home affect my credit score?
    Hard credit checks from a full mortgage application can have a small short-term impact on your credit file. This usually recovers within a few months provided you continue to manage your credit responsibly. We aim to place your application with a lender likely to approve it first time, reducing unnecessary searches.

    Ready to talk about your move?

    A short conversation often saves weeks of guesswork. Tell us about the move and we will let you know what is realistic from a mortgage point of view.

    Get in Touch

    Ready to get started with your mortgage?

    Tell us a bit about your plans and we'll be in touch to guide you through your options. We aim to respond within 20 minutes!

    Ves Doctorov

    Ves Doctorov Cert SMP

    Owner & Principal Mortgage Adviser

    07554 663 631ves@themortgageleague.co.uk
    25 Constable Close, Reading, Berkshire, RG5 4US
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