Moving Home & Your Mortgage

What You Need To Know

If you’re contemplating moving house, you might consider whether you can take your current mortgage with you to your new home or investment property. Below are some of the features and key points to consider if you are considering “porting” a mortgage.

If at any stage you need- or want -more information to help you assess your eligibility and determine whether porting your mortgage is the right choice for you, don’t hesitate to contact one of our expert Mortgage Consultants.

Speak with one of our friendly expert Mortgage Consultants today.

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Key Points to Consider for Successful Mortgage Porting

Requalification When you request to port your mortgage, you essentially reapply for a mortgage deal. There’s no guarantee you’ll qualify again, especially if your circumstances have changed.

Borrowing Limit If you need to increase your borrowing requirement for a more expensive property, your lender may not permit it if you’re already close to your borrowing limit.

Two Loans Borrowing more might result in two mortgage products, each with different rates and end dates.

Higher Interest – Porting limits your options, and you might end up with a higher interest rate compared to other available deals or a remortgage. We’re experienced in mortgage porting and can advise on your specific situation.

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Mortgage Porting
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Preparing for Mortgage Porting

Before committing to a new property, ensure that you qualify for porting your mortgage. Wait to make any contractual commitments until you can provide the new property details. It’s advisable to speak with a qualified consultant prior to making any decisions.

Unable to Port Your Mortgage and switching to a new Mortgage? – Leaving your existing mortgage may incur substantial fees, such as early repayment charges, exit fees, and fees for a new home loan. Be prepared for these costs. Your adviser will help you with any questions you may have.

Comparing Porting and New Mortgages – Leaving your existing mortgage may incur substantial fees, such as early repayment charges, exit fees, and fees for a new home loan. Be prepared for these costs. Your adviser will help you with any questions you may have.

Porting mortgage process – Regardless of the option you choose, you’ll need to go through a new mortgage application. Expect scrutiny of your financial situation, credit history, and the property’s suitability. Lenders will assess your ability to afford the repayments, so be prepared for a thorough financial review.

Seek Professional Advice with Liquid Expat Mortgages

As qualified and Experienced Mortgage Consultants we are available to help guide you through the entire process. We will be able to advise you based on your unique circumstances, including your income, credit score, and property type. We can help you find the right lender and mortgage product.

Remember, porting a mortgage can be convenient, but it’s crucial to consider all your options carefully, as a new mortgage deal may offer better terms or financial advantages. Weigh the pros and cons, crunch the numbers, and ensure that your decision aligns with your current financial situation and future goals.

For more personalised guidance, consider talking to a Expat Mortgage Broker at Liquid Expat Mortgages to make an informed choice regarding your mortgage during your move.

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Mortgage Porting Case Studies

Learn about how our expert team helped Expats and Foreign Nationals port their Mortgage in the United Kingdom, despite difficult or complex circumstances.

VIEW MORE CASE STUDIES
Case Study – Emily’s Smooth Mortgage Porting Transition

Read this great case study on how Liquid Expat Mortgages helped a UK expat living in Australia for 17 years to port her UK mortgage.

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Case Study – Michael’s Property Upgrade

Read this great case study on how Liquid Expat Mortgages helped a UK expat who opted to port their mortgage to meet changing financial dynamics.

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Case Study – BR’s Investment Strategy

Read this great case study on how Liquid Expat Mortgages helped a UK expat port his mortgage and release equity to invest in a second property.

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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

Excellent
Based on 171 reviews
Ellen Stokes
Ellen Stokes
2023-12-27
We came back to the UK in July 2022 after almost 20 years abroad and discovered that, as an "expat", borrowing for a new home is very difficult. Liquid Expat made it possible and we have just moved into our new home. They are specialists in the field and we would recommend them to all expats needing a mortgage.
Tania Tulen
Tania Tulen
2023-10-14
Excellent communication and great service. Explained the process every step of the way and were always responsive by email and whatsapp. Thank you!
David Hasdell (Wingaroo)
David Hasdell (Wingaroo)
2023-09-22
Great process from start to finish - from knowledge of the market and carefully tailoring products to suit our needs, and then super-efficient assistance right through the whole application process.
Jonathan LH
Jonathan LH
2023-09-14
Liquid Expat are superb. They were fast, professional and went the extra mile to help us secure our mortgage. And I had a TRICKY case for them (British citizen living in Zambia and purchasing in the UK) bit they managed to get it solved. Total rock stars, all of them
Catherine Chan
Catherine Chan
2023-08-05
Thank you so much to Rebecca and Fatgiya. They are absolutely professional in guiding me throughout the whole application. It was super struggle to answer thousands of questions from the lender but Fatgiyi help me solve them one by one. They definitely deserve a 5 stars!
Tracie Harrington Hodges
Tracie Harrington Hodges
2023-07-19
After an initially shakey experience with a staff member who subsequently left Jae came in like a super hero and helped me to get this deal done. I have been having an immense amount of trouble with my own legal representation (!!!!) and Jae has been the guiding light.
Matt Jones
Matt Jones
2023-06-27
We're really pleased with the service provided by Liquid Expat - right from the first conversation through to completion - every step has been managed really professionally and the team have helped us through the process. Thanks to Claire and Liam especially for all your support - I have no hesitation in recommending their services.
Sikar Chan
Sikar Chan
2023-06-21
Liquid Expat helped a lot in providing mortgage service and guidance throughout the process. Their response time to my email is super fast! I will use their service again and recommend to my friends and family. Excellent!

Liquid Expat Mortgages Testimonials

Hear from some of our clients about their experience with Liquid Expat Mortgages.

Buy to Let Mortgages for Expats testimonial

­ I would like to thank you and the other behind the scenes staff at Liquid Expat for all your professional help with obtaining a mortgage for us which enabled us to make the purchase of this buy to let property.

Ephram / UK Expat in Israel
Buy to Let Mortgages for Expats testimonial

­ Buying a property overseas is not a stress free process, but Liquid Expat Mortgages has been instrumental in reducing my level of stress and ultimately securing a mortgage lender for me in the United Kingdom.

M.C / Foreign National in Hong Kong
Buy to Let Mortgages for Expats testimonial

­ I would like to commend the excellent support we received in our recent recent buy to let remortgage application which proceeded faster than we could have hoped. She kept us fully in the picture throughout.

R. Green / UK Expat in Portugal
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