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Porting a mortgage in Liverpool allows you to move your mortgage from one home to another while keeping the same interest rate and terms.
It’s a practical option for homeowners with competitive rates.
A mortgage advisor in Liverpool can assess your situation and confirm whether porting is possible.
The process typically starts with your lender reassessing your financial situation and the suitability of the new property.
If approved, your existing mortgage deal is applied to the new loan, often avoiding early repayment fees.
A mortgage broker in Liverpool can provide valuable support, helping you manage the steps involved with ease and confidence.
When porting a mortgage, you’ll need to gather several key documents to support your application. These typically include:
For comprehensive guidance on what’s required, mortgage advice in Liverpool can help ensure your documentation is complete and the process runs smoothly.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Self-employed individuals can port a mortgage by meeting lender requirements, which typically include SA302 forms, at least two years of tax returns, and bank statements showing income stability.
Expert guidance can help ensure your documents are prepared correctly and your application is presented effectively, improving your chances of approval.
Porting a mortgage with bad credit can be more challenging but is achievable with the right approach.
Lenders assess your credit history and financial details to decide on eligibility.
Speaking with our mortgage advisors in Liverpool can help you find lenders that may be more accommodating and guide you through the application process.
Not all mortgages include portability as a feature, and even those that do require meeting lender conditions.
Approval typically involves reassessing your finances and the new property.
Seeking mortgage advice in Liverpool can help confirm whether your current deal is portable and provide alternatives if needed.
Porting a mortgage allows you to keep the terms of your existing deal, including any competitive interest rates, while avoiding early repayment charges.
These benefits make it an attractive option for many homeowners.
Porting a mortgage usually takes several weeks to complete, depending on lender processes and application complexity.
Preparing your documents early and ensuring all requirements are met can help prevent delays.
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Mark
Once again Liverpool money man goes above and beyond to help me get another mortgage. I had a few issues regarding being self-employed and struggling to get a mortgage within 1 week LMM had my mortgage approved. Thank you very much all involved....
5 days ago
Charles
Great service, start to finish Tom and the team helped and advise whenever we had any queries. Transparent pricing.
3 weeks ago
Kelly
I used MoneyMan for my first mortgage, I was thrilled with the service they provided back in 2017 therefore I went back to them for my remortgage Chris & Debbie were super helpful with my remortgage. Would highly recommend.
2 months ago
Christopher
Had a retirement mortgage agreed and completed. Wayne and Moneyman were excellent, very professional, knowledgeable and helpful at all points. Happy to recommend their services
3 months ago
Stacey
I have been using Liverpool Moneyman for my mortgages and remortgages since 2014. Great flexible and friendly service.
3 months ago
Helen
Leo and the team have been exceptionally thorough in explaining all my options. I truly felt that Leo had my best interests at heart, going above and beyond even offering advice and support beyond his usual remit. He’s been incredibly patient with...
6 months ago
Steven
Always very helpful. Helped us buy our first house and have been great assisting with the remortgage process.
6 months ago
Mr James
Always friendly and provide sound advice. Very supportive look out for the best interest of the client.
7 months ago
Kevin
Brilliant from start to finish. No fuss. Chris found me a new deal with my existing provider. Have recommended this company to my friends.
7 months ago
Hannah
Fantastic service from beginning to end, extremely informative and supportive. Daniel was very easy to communicate with and provided all the information we needed.
7 months ago
Michael
Excellent service, always professional and friendly. This is the second time I’ve used moneyman and their advice has been invaluable. Jason and Lizzi have been outstanding.
7 months ago
Vitor
I am so glad I find this Mortgage Broker , specially Tom Bowes and Debbie Stones, they both were very professional and polite from start to end , they keep me informed and updated at all times, the process was very smoth and fast, highly...
7 months ago
Tarique
I wanted to say a big thanks to Paula, Leo, and the Liverpoolmoneyman team. Both Paula and Leo have managed to secure me a great mortgage deal. Making this whole process seamless and less stressful with clear communication during each stage. I would...
7 months ago
Tarique
I wanted to personally thank Leo Shakespeare, and Paula Milner. And the UK Moneyman team for outstanding customer service in securing my new mortgage. Your outstanding expertise, patience, and clear communication has made this whole process much...
7 months ago
Georgia
Daniel was so helpful throughout our remortgage process. We used Liverpool Money Man when taking out the original mortgage and we didn’t regret it at all, so helpful and made us feel so reassured at each stage. Thank you again!
8 months ago
Shauna
Matt and Debbie at Liverpool Money Man were so helpful throughout the process of securing me my mortgage offer. From start to finish, they were friendly & explained every step of the process. They were also easily contactable and responded to any...
10 months ago
Rajeetha
Very good service
11 months ago
Rajeetha
I am with Liverpoolmoneyman from 2020. Always reminding me the end of terms make good offer from mortgage providerS.
11 months ago
Katie
Very happy with the service provided. Both Dan and Jonathan were very informative and supportive throughout the process, and I especially thank them both for their patience in answering all of my questions and clarifying everything for me. I will...
1 year ago
Anonymous
Very patient crew although we showered them with a lot of questions and frequently asked for updates
1 year ago
We’ll begin with a full review of your current mortgage to determine if porting is the best choice for your new property.
At this stage, we’ll also check for other mortgage options that could save you money or offer better flexibility.
We’ll carefully assess the new home and your financial situation to ensure the lender approves the porting process.
If porting isn’t possible, we’ll present alternative mortgage solutions that could better suit your needs.
Once the most suitable option is identified, we’ll handle your mortgage application step-by-step.
Whether you’re porting your mortgage or securing a new deal, we’ll ensure everything runs seamlessly.
After approval, we’ll finalise your mortgage and ensure all details are in place for your move.
Whether you’ve ported or switched, we’ll ensure everything is completed on time.
We offer a free initial mortgage appointment to help you explore your options, including whether porting your mortgage is the right move.
Our team will also check if switching to a new deal could save you money or offer better flexibility.
With access to thousands of mortgage products, we’ll find a solution tailored to your needs.
Whether you decide to port your existing mortgage or explore new deals, we’ll secure the most competitive option for you.
Our experienced team will handle the entire process for you, from start to finish.
Whether you’re porting your mortgage or switching lenders, we’ll make everything straightforward and hassle-free.
We’re available 7 days a week to provide expert advice when you need it most.
Whether it’s porting your mortgage or finding a better deal, we’ll support you every step of the way.
If porting your mortgage isn’t suitable, remortgaging to a new lender could provide better terms or rates.
This option can help lower your monthly repayments or give you more flexibility to suit your needs.
When porting your mortgage in Liverpool isn’t feasible, applying for a completely new mortgage deal might be the better option.
New mortgage products could offer more competitive rates or better terms for your situation.
If you’re upsizing to a larger property, you may need to borrow extra funds to cover the cost difference.
This is often arranged through top-up loans, though they may come with different rates or terms.
If porting isn’t ideal, paying off your current mortgage early and applying for a new deal could save you money in the long run.
Early repayment charges might apply, but the savings from a better interest rate could offset these costs.
A bridging loan provides short-term funding to help you buy your next property before selling your current one.
This option can be helpful if you need immediate funds to secure a new home.
If porting doesn’t work out, a product transfer with your current lender could be a simpler alternative.
Switching to a new deal with your existing lender often involves fewer fees and less paperwork
A joint mortgage can increase your borrowing capacity by combining incomes with another applicant, such as a partner or family member.
This can help you afford a larger property or improve affordability.
Flexible mortgages offer repayment options like overpayments, underpayments, or payment holidays, giving you greater control over your finances.
This option can be ideal if your financial situation is likely to change in the future.
If you’re moving to a smaller property, downsizing can help you release equity from your current home.
These funds can reduce borrowing or allow you to purchase your new property outright.
For older homeowners in Liverpool, retirement interest-only mortgages provide a way to manage low monthly payments. You’ll pay just the interest, with the loan balance repaid when the property is sold. A mortgage advisor in Liverpool can help you assess whether this option fits your retirement plans.
Offset mortgages allow you to link your savings account to your mortgage, reducing the interest charged on the loan.
This option is ideal for homeowners with significant savings who want to reduce repayments or shorten their mortgage term.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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