Moving home? You have two main options — port your existing mortgage to the new property, or take out a brand new mortgage. Darryl compares both, including any early repayment charges, and advises on whichever genuinely works out cheaper for your situation.
Porting means moving your existing mortgage to your new property. This can avoid early repayment charges — but it's not always the best option. Darryl compares the cost of porting versus taking a new mortgage, including any ERCs, and advises on the most cost-effective approach.
Don't assume porting is automatically the right move — sometimes paying an early repayment charge and switching to a much better rate saves more money in the long run. We run the numbers so you don't have to.
Port your mortgage — keep your existing deal and rate. New mortgage — access potentially better rates on the market. Additional borrowing — top up your mortgage if you're moving to a more expensive property. Early repayment — Darryl checks your ERC before recommending any option, so you know the real cost either way.
A lot of people in this exact situation never even enquire — they assume the answer is already no. Check your Geezer Score first: completely private, no commitment, and no one to talk to until you're ready.
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.