What documents do I need for porting a mortgage?

When porting a mortgage, you will need to provide several key documents to your mortgage lender. These documents are necessary to verify your financial situation and ensure that you qualify for the mortgage on the new property. The primary documents required typically include: Proof of Identity: A valid passport or driving licence. Proof of Address: Recent utility bills, council tax statements, or a bank statement showing your current address. Proof of Income: For employed individuals: Recent payslips (usually the last three months) and a P60. For self-employed individuals: Tax returns (SA302 forms) and a tax year overview for the last two or three years. Bank Statements: Typically, the last three to six months of bank statements to show your income and outgoings. Details of Your Existing Mortgage: A recent mortgage statement from your current lender. Property Details: Information about the property you intend to purchase, including the purchase price and estate agent details. If your financial situation has changed since you originally took out the mortgage, the lender might require additional documentation to reassess your affordability.

I'm self employed, can I port my mortgage?

Yes, as a self-employed individual, you can port your mortgage, but there are a few extra considerations. Lenders often scrutinise the financials of self-employed individuals more closely because their income might be less predictable compared to those who are employed. To successfully port your mortgage, you will need to provide comprehensive evidence of your income. This typically includes: SA302 Forms and Tax Year Overviews: Lenders usually require the last two or three years of SA302 forms, which are summaries of your income from HMRC, along with corresponding tax year overviews. Business Accounts: Up-to-date business accounts prepared by a certified accountant, usually covering the last two or three years. Bank Statements: Personal and business bank statements, often covering the last three to six months. The lender will assess your affordability based on this information. If your income has decreased or if the lender perceives your income to be unstable, it may impact your ability to port your mortgage. However, if your financials are strong and consistent, porting should be feasible.

Can you port a mortgage with bad credit

Porting a mortgage with bad credit can be challenging, but it is not impossible. Whether you can port your mortgage will largely depend on the severity of your credit issues and the specific policies of your lender. Lenders typically reassess your financial situation when you apply to port a mortgage, including a new credit check. If your credit score has significantly deteriorated since you originally took out the mortgage, the lender may consider you a higher risk, which could affect their decision. In some cases, lenders might allow you to port your mortgage but with stricter conditions, such as a higher interest rate or requiring a larger deposit. Alternatively, they might decline your application to port the mortgage altogether, in which case you would need to explore other mortgage options, potentially with specialist lenders who cater to customers with bad credit.

Porting a Mortgage in London

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Address: Suite 676, Unit 3A, 34-35 Hatton Garden, Holborn, London, Greater London, EC1N 8DX, GB
Telephone: 020 4511 4209

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Porting a Mortgage in London

Learn how Porting a Mortgage in London can make moving home more seamless.

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What is porting a mortgage in London?

Porting a mortgage means transferring your existing mortgage to a new property when you move house.

This process allows you to keep your current mortgage deal, including its interest rate, terms, and conditions, rather than taking out a new one.

When porting a mortgage, you essentially repay your current mortgage with the proceeds from the sale of your existing home and then use the same mortgage to finance the purchase of your new property.

How does porting a mortgage work?

Porting a mortgage involves transferring your existing mortgage deal to a new property when you decide to move house. Here’s a step-by-step explanation of how the process typically works:

Check Portability: Confirm your mortgage allows porting and review your lender’s criteria.
Reapply: You’ll need to reapply for the mortgage, as the lender reassesses your financial situation and the new property.
Transfer Upon Sale: Sell your current home and transfer the mortgage to the new property, with any additional borrowing subject to new terms.
Complete Purchase: Use the ported mortgage and any extra funds to buy the new property, potentially avoiding early repayment charges.

It’s always a good idea to speak to a mortgage broker in London to discuss whether porting is the most suitable option for your circumstances, as it depends on factors like your current mortgage terms, the new property’s value, and your financial situation.

Are all mortgages portable in London?

Not all mortgages are portable. While many mortgage products offer portability as a feature, allowing you to transfer your existing mortgage to a new property, some do not.

The ability to port a mortgage is generally stated in the terms and conditions of your mortgage agreement.

If your mortgage is not portable, you would need to apply for a new mortgage product when moving home, which might involve paying early repayment charges if you are still within a fixed-rate period.

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Important information

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.

Porting a Mortgage FAQs in London

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Joseph Harros

As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.

29 Oct 2026

Jade Wilmot

As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.

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Diane A

First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home

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Chloe Gathergood

Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much

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Rebecca Joy

Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!

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Callum Kennedy

Very helpful and informative. Made the process as easy as possible. Would recommend to other

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Barry Hall

I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.

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Megan Whitlock

The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you

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Linda Chadwick

Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%

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Natalie Rose

We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam

13 Oct 2026

Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Speaking with an expert mortgage advisor in London, they can look at your current circumstances and will see if porting your mortgage is achievable.

During this free initial appointment, your mortgage advisor in London will gather details on your income and expenditure to work out your maximum affordability.

We Can Search 1000s of Mortgage Deals

If you can port your mortgage, we can speak with the mortgage lender and discuss what you are trying to achieve.

If you cannot port your mortgage in London, we will have to look for a new mortgage product for you and your new home

Submit Your Mortgage Application

Once you have had an offer accepted, your mortgage advisor in London will submit your full mortgage application and evidential documents to the mortgage lender.

During this process, your dedicated case manager will make sure that you are kept up-to-date all the way through, until you receive your formal mortgage offer and complete both your purchase and sale.

Protecting You and Your Mortgage

Our service doesn’t stop there. We will also make relevant insurance recommendations to keep you and your loved ones protected.

When your mortgage is due for renewal, we will reach out to you, to make sure that you are always on the most suitable deal.

Reasons to Choose Us

Free Initial Mortgage Appointment

When it comes to porting a mortgage in London, our team of mortgage advisors in London are dedicated to providing you with a seamless experience from the initial stages right through to completion.

Our priority is to ensure that you feel supported and informed throughout the entire mortgage porting process. We are committed to exceeding your expectations and delivering mortgage advice in London tailored to your needs.

1000s of Deals

If you are unable to port your mortgage, we will search through 1000s of mortgages on your behalf to find the perfect product for your new home.

Your mortgage advisor in London will look at your current financial situation, compare your existing mortgage product and see what type of mortgage options you’re able to access.

Our Service

Looking to port your mortgage in London? Our service is designed to make the process smooth and easy-going for you.

At Londonmoneyman, customer service is paramount. Our mortgage advisors in London are dedicated to being responsive, transparent, and trustworthy throughout your porting process.

Schedule your free initial mortgage appointment and start your journey today.

7 days a Week

If you’re considering porting a mortgage in London, we offer mortgage advice 7 days a week.

Our team of experts are here to assist you with your inquiries at a time convenient for you. Early in the morning, during the afternoon or evening – you pick a time that suits you!

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

Helping You to Port Your Mortgage to Your New Home in London

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10 Step Guide to Porting a Mortgage in London

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Porting a Mortgage in London

Porting a Mortgage in London

What is porting a mortgage in London?

How does porting a mortgage work?