Whole-of-market mortgage advice
Porting a Mortgage in Sleaford & Lincolnshire
If you are moving home and happy with your current rate, porting lets you take that deal with you and may help you avoid an early repayment charge. It sounds simple, but it is not always the best option, and we work out honestly whether porting or a fresh deal leaves you better off.
5.0★ · 707 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
I wanted advice about porting my mortgage. They did all the leg work, explained everything clearly and gave me regular updates. There is no way I could have managed without that expertise.
If you are moving home partway through a good fixed deal, porting lets you carry that rate to your new property and can save you an early repayment charge. It sounds like the obvious choice, but it is not always the cheapest one, and your lender still has to re-approve you and the new home.
Port, or switch? We do the maths
We compare keeping your current deal against a fresh mortgage across the whole market, factoring in any early repayment charge, so the decision is based on real figures rather than assumptions. Sometimes porting wins, sometimes a new deal does, and we tell you honestly which.
We handle the moving parts
Porting has its own timing and paperwork, and if your new home costs more we arrange the additional borrowing alongside it. We manage the process with your lender and solicitor so it lines up neatly with your move.
Is this you?
We help movers porting their mortgage like…
- Moving home with a rate you want to keep
- Facing an early repayment charge if you switch
- Partway through a fixed deal and moving
- Needing to borrow a little more for the new home
- Unsure whether porting is really worth it
Why a broker
Why movers porting their mortgage use a mortgage adviser
Porting can save an early repayment charge, but it is not automatically the best move and your lender still has to re-approve you. We compare porting against the whole market and tell you honestly which option leaves you better off.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help movers porting their mortgage, step by step
-
Check whether porting suits you
We look at your current deal, any early repayment charge and your new property, then compare porting against a fresh deal so the choice is clear.
-
Confirm the lender will port
Porting depends on your lender re-approving you and the new property. We check the criteria before you rely on it.
-
Top up if you need to
If your new home costs more, we arrange the additional borrowing alongside your ported deal and explain how the rates work.
-
We handle the process
Porting has its own paperwork and timing. We manage it with your lender and solicitor so it lines up with your move.
-
Moved, with your rate intact
You complete in your new home, keeping the deal that suited you, or on a better one if that won out.
Local to you
Advising on porting a mortgage across Sleaford & Lincolnshire
From Carre Street in Sleaford we advise on porting and moving across Lincolnshire, from Lincoln and North Hykeham to Grantham, Newark and Boston. Pop in for a coffee or sort it by phone and video, whichever suits your move.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Porting a Mortgage: your questions answered
What does porting a mortgage mean?
Taking your current mortgage deal with you when you move home, rather than paying it off and starting a new one. It can help avoid an early repayment charge.
Is porting always the best option?
No. Sometimes a fresh deal across the market beats porting even after any early repayment charge. We compare both and tell you honestly which wins.
Can I borrow more if I port?
Usually yes, but the extra borrowing is often on a separate rate. We arrange it alongside your ported deal and explain how it fits together.
Will my lender definitely let me port?
Not guaranteed. Your lender re-assesses you and the new property, so porting is subject to approval. We check the criteria before you count on it.
What if I am moving to a more expensive home?
We arrange the additional borrowing you need on top of the ported amount, comparing the options so the overall cost is as low as possible.
Real results
Case studies
How a first-time buyer with no credit history bought in Lincoln
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A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show.…
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A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor…
What clients say
707 verified reviews, rated 5.0
260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
