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Moving is rarely just a house swap. There is a chain to manage, a deal to port or replace and a completion date to hit. We keep the mortgage side tight so it is never the thing that holds you up.
We work to your completion date and keep the lender moving so finance is never the bottleneck.
Porting is not always cheapest. We line up your options side by side, fees included.
The same adviser handles it start to finish, so nothing gets lost in a handover.
If you are happy with your current rate you may be able to take it with you. If you need to borrow more, or a new deal beats porting, we compare both and tell you which is genuinely better.
Often yes, through porting, if the new property and your circumstances fit the lender's criteria. We check whether porting or a fresh deal actually works out cheaper.
That is common when moving up. Any additional borrowing is usually on a separate rate, and we arrange it alongside the ported amount.
As soon as you are thinking of moving. Getting your borrowing confirmed early means you can offer quickly when the right place appears.
Tell us your timeline and we will make sure the mortgage keeps pace with the rest of the move.