Porting Your UK Mortgage

Porting a mortgage or mortgage portability lets you move, or transfer, an existing mortgage to a new property. The mortgage term, outstanding balance and interest rate stay the same. Porting a mortgage means transferring your existing mortgage product to a new property. This can offer flexibility, but it’s essential to be aware of potential challenges when considering this type of mortgage solution.

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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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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.

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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.

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.

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.

Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

      
 4.7
 4.7
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
  
 
   Safina Saddique 
 52 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
  
 
     Posted on Google  
  
 
   Leonarda and Callum H.C 
 150 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
  
 
     Posted on Google  
  
 
   Heather Mitchell 
 238 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
  
 
     Posted on Google  
  
 
   Tony M 
 274 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
  
 
     Posted on Google  
  
 
   Peet Kok 
 280 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
  
 
     Posted on Google  
  
 
   Hailey Luk 
 443 days ago
 
 
 Trustindex verifies that the original source of the review is Google. The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
  
 
     Posted on Google  
  
 
   Optimistic 
 472 days ago
 
 
 Trustindex verifies that the original source of the review is Google. David:  I can rightfluly say that your swift work was  life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)...  and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
  
 
     Posted on Google  
  
 
   H Coops 
 594 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
  
 
     Posted on Google  
  
 
   Bally Binji 
 637 days ago
 
 
 Trustindex verifies that the original source of the review is Google. An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
  
 
     Posted on Google  
  
 
   Paula Fielding 
 727 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

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

❝ 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

❝ 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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