4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
When you move home you can port your current mortgage, switch to a new deal or borrow more, with the right choice depending on your circumstances.
Rated 4.97 out of 5 from 2,400+ reviews
When moving house, you can port your existing mortgage to retain your current rate and avoid early repayment charges, take out a new whole-of-market mortgage for greater flexibility, or borrow additional funds through a top-up arrangement — with the most suitable choice depending on your rate, remaining term, and borrowing needs. Private Finance provides independent, whole-of-market advice across all three pathways, drawing on access to over 300 lenders and more than two decades of specialist experience to ensure your mortgage strategy is fully optimised for your move.
Moving home is one of the most significant financial decisions most people will ever make, and getting your mortgage strategy planned from the outset can save you a considerable sum.
Whether you are upsizing to accommodate a growing family, downsizing to release equity, or simply relocating, understanding how to handle your existing mortgage is just as important as finding the right property. The options available to you will depend on your current deal, your lender’s policies, and the broader market conditions at the time of your move — which is why independent, whole-of-market advice is so valuable.
When you decide to move home, there are three primary routes available to you: porting your existing mortgage, taking out a new mortgage entirely, or borrowing additional funds on top of your current arrangement. Each pathway suits different circumstances, and in some cases a combination of approaches may deliver the desired outcome.
As an independent, whole-of-market broker, Private Finance works with over 300 lenders, including high-street banks, private banks, and specialist providers whose products are not available on comparison websites or through direct channels. This breadth of access means we can identify rates and structures that simply would not be visible to borrowers approaching lenders independently.
Upsizing almost always requires additional borrowing. There are two ways to approach this: porting your existing mortgage and adding a separate top-up product for the additional amount, or repaying your current mortgage in full and taking out a new, larger loan. Each carries different implications. When you port and top up, your original mortgage retains its existing rate, but the additional borrowing is placed on a separate product that may mature at a different time — creating what is known as a blended rate arrangement that requires careful management going forward. A single new mortgage, by contrast, simplifies things into one product, one payment, and one maturity date, though early repayment charges on your existing deal would need to be factored into the decision.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Keep your current interest rate and avoid costly early repayment charges by transferring your mortgage to your new property seamlessly.
We work with over 300 lenders — including private banks and specialist providers — to find rates unavailable on the high street or comparison sites.
From early repayment charges to Stamp Duty, we model the full cost picture so you can make a fully informed decision before committing.
With over two decades of experience and a 4.97/5 client rating, our consultants handle every aspect of your mortgage from enquiry to completion.
The mortgage market contains thousands of products across hundreds of lenders, each with distinct eligibility criteria, rate structures, and underwriting approaches. Private Finance’s role is to navigate this complexity on your behalf, drawing on whole-of-market access and over two decades of specialist experience to identify the optimal solution for your circumstances. Our average rating of 4.97 out of 5 from more than 2,000 client reviews reflects the level of service and expertise we bring to every case. We work closely with wealth advisers and accountants to ensure your mortgage sits coherently within your broader financial picture — a level of integrated advice that no single lender can offer.
Whether you are porting a deal, remortgaging, or structuring a complex top-up arrangement, getting guidance early can save you thousands and remove the administrative burden that moving home inevitably brings.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A Decision in Principle (DIP) gives you an indication of how much you may be able to borrow before you start viewing properties. It can strengthen your position when making an offer, show estate agents and sellers that you’re a serious buyer, and help you search with greater confidence and clarity around your budget.
Most mortgages include a portability clause, but this is subject to your lender’s approval and a fresh affordability assessment. Not all lenders permit porting, so it is important to check your mortgage terms early in the moving process.
Yes. Private Finance specialises in cases that fall outside mainstream lending criteria, including self-employed borrowers, high-net-worth individuals, those with complex income structures, and clients requiring large loans. Our whole-of-market access includes specialist and private bank lenders equipped for these circumstances.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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