Porting Mortgages in Sleaford

Advice on transferring your mortgage when moving home in Sleaford and across Lincolnshire.

Want to move but keep your current mortgage deal?

Most modern mortgages are “portable,” meaning you can transfer your existing deal to a new property when you move. This can help you keep a good rate, avoid early repayment charges (ERCs), and maintain product features.

Key points to understand:

Application still required: Porting isn’t automatic — you’ll need to apply and meet affordability checks again.
Top-up borrowing: If your new home costs more, you may need an additional loan at current rates.
Timing matters: Porting has to align with your house sale and purchase; mismatches can cause delays or fees.

At Spolton Mortgages we compare the benefits of porting with alternatives like remortgaging or switching lender. We’ll guide you through the process and highlight pitfalls, such as if your current lender’s criteria have changed.

If porting doesn’t fit, we’ll explore options like moving home mortgages or complex mortgage advice.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Clear guidance on when to port — and when not to

Whole-of-market view: We compare porting with remortgaging or switching lenders.
Fee savings: Avoid unnecessary ERCs by using porting where it makes sense.
Local knowledge: Daily experience with moves across Sleaford, Lincoln and Lincolnshire villages.
Timing support: We align sale and purchase dates to keep porting smooth.
Linked advice: If porting isn’t possible, we’ll guide you through moving home mortgages or remortgaging.

How we manage porting cases

We explain your options, confirm if porting works, and guide you through the sale and purchase process.

Review & compare

We check your current deal, lender rules and compare porting against remortgaging.

Plan & apply

We align your sale and purchase timelines, then manage the porting application.

Progress & complete

We liaise with your lender, solicitor and agent to keep everything on track until completion.

Meet The Spolton Mortgages Team

With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.

Porting in the Lincolnshire market

Local property values affect how smoothly porting works. ONS figures (July 2025) show average prices around £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. If your new purchase is more expensive, you may need a top-up loan — and this will be assessed at today’s rates.

Sleaford & NG34: Clients often port to upsize while keeping competitive tracker or fixed deals.
Lincoln & Boston: Lower property values can sometimes make porting easier, as affordability checks are less stretched.
Stamford & Newark: Higher prices may require larger top-ups — we’ll explain the implications.
RAF households: Moves around Cranwell, Waddington and Coningsby often need tight timing; porting can reduce disruption.

We’ll check whether porting, remortgaging or a fresh application is most cost-effective for your move.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.