• Rachael Panteney

Moving when tied into a mortgage

You have 2 options.

When you move, you may be able to take your mortgage with you. This is called "porting". If you need to borrow extra, your lender will re-assess your affordability, but as long as you pass their checks, and they are happy with the new property (they will carry out a mortgage valuation) then you are good to go.

The other option is to repay your existing mortgage, and to take a new loan out with another lender on the new property. ⁣

Moving houses earlier than the end of your promotional mortgage rate term could mean there are early repayment fees to pay. Make sure you check what those are and calculate if it's worth it. ⁣ ⁣

It can be hard to know what to do for the best, but that is what we are here for. Get in touch for a friendly no obligation chat.

Rachael Panteney

Financial Adviser

Willow Tree Financial Services 01323 436680


Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Privacy Policy

© 2020 by Willow Tree Financial Services. Proudly created by AMME.

Image Disclaimer: All images shown are for illustration purposes only and are not pictures of actual clients.

For reliable financial advice that is accessible to everyone; from mortgages to pensions, and everything in between.


We pride ourselves on our friendly and professional service and use our extensive market knowledge and experience to deliver a client-first approach, as standard.

Clicking the links below will depart you from the regulatory site of Willow Tree Financial Services. Neither Willow Tree Financial Services nor Quilter is responsible for the accuracy of the information contained within the linked site.

  • Facebook - White Circle
  • Instagram - White Circle