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When moving home, porting a mortgage in Derby enables you to carry over your current mortgage terms to the new property. This is an excellent option for those with competitive interest rates, as it avoids the need to apply for a new mortgage deal at potentially higher rates. A mortgage broker in Derby like us can explain how this works and determine if it’s the right choice for you.
The process of porting a mortgage in Derby involves applying to your current lender to move your mortgage terms to a new property. Your lender will carry out affordability checks and ensure the new home meets their lending criteria. If you’re purchasing a more expensive property, you may need to take out additional borrowing, which often comes with a separate interest rate. If you’re moving to a cheaper property, early repayment charges may apply to the difference in borrowing.
When porting a mortgage, you’ll need to gather several key documents to support your application. These typically include:
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.
Our Customers Love Us
5.00 Rating32 Reviews
Shaun
Very fast and helpful
2 months ago
Warren
Myself and brother Wayne really appreciate your patience with us as first timers can be ambiguous
3 months ago
Anna
Very good and very effective. Easy to understand and communication was second to none
5 months ago
Anonymous
Really good service till the end, making sure everything was finalised smoothly. Will definitely use again when needed.
11 months ago
Anonymous
DIna was my mortgage broker and was so friendly and non-judgemental of my circs. I was wanting to buy an ex out the property and pay off some debt - she got me an offer within days. I had used free mortgage advice companies who hasn’t managed...
1 year ago
Liz
I dealt with Dinah who is the friendliest non-judgemental advisor I have ever dealt with . My case wasn’t that straight forward, but within days I had an offer. I have used well known free advice companies before, but didn’t get anywhere with...
1 year ago
Anonymous
They were quick to respond and maintained great communication throughout the process. Emails were answered promptly, making the entire experience smooth and stress-free. Highly recommended for anyone seeking a reliable and responsive mortgage broker!
1 year ago
Donna
Amazing service would highly recommend A+++
1 year ago
Anonymous
Quite helpful and fast in dealing with the proceedings of the mortgage application.
1 year ago
Arron
Good recommendation for 1st time buyers. Made whole process easy and straightforward.
2 years ago
Kudakwashe
Very good 👍
2 years ago
Sarah
I can’t believe the service we have had and we can’t recommend them enough, Matt and the team are amazing. We have had several mortgage offers through them but the houses we have bought have fallen through but nothing has been too much trouble...
2 years ago
Carol
Friendly efficient service, took their time to explain the procedure etc, I would definitely recommend them.
1 week ago
Joshua
Leo is always a pleasure to talk to. Very friendly and knowledgeable, and allows us to ask questions, no matter if we’ve asked before orbits really obvious
1 month ago
Adam
Thank you to Wayne and the team at UK Moneyman, Derby. We were first time buyers, both with adverse credit history and one with sporadic income from agency work. I was finding the whole process of applying for mortgages to be quite stressful and...
2 years ago
Arran
The team over at Derbymoneyman have been incredibly helpful in helping me understand the process of buying a house. A friendly and welcoming team who do all they can to help. Definitely recommended, you feel like the team is invested in helping you.
2 years ago
Gurjeet
Really helpful and clear.
9 months ago
Gemma
From first discussions with Tom to being passed over to Lyndsey, the whole process was easy and seamless. Everyone I have dealt with at Moneyman have been really helpful and friendly, which has helped take the stress out of applying for a...
10 months ago
Matthew
Jenny has been extremely helpful throughout the process and resolved any issues quickly. Thanks!
11 months ago
Susan
Very good service over the moon Wayne and Megan no there stuff
1 year ago
We’ll start with an in-depth review of your current mortgage to see if porting is the most suitable option for your next home.
During this stage, we’ll also explore if a new mortgage deal could save you money, offering more flexibility or a better interest rate.
Next, we’ll assess the new property and review your current financial situation.
This ensures that your lender is happy to port the mortgage, but if not, we’ll present alternative mortgage options that might be more cost-effective.
Once the best route is chosen, we’ll handle your application, whether it’s porting your mortgage in Derby or applying for a new deal.
Our team will keep you informed throughout the process, ensuring everything runs smoothly from start to finish.
After your mortgage is approved, the final step is the completion process.
Whether you’ve ported your existing mortgage or switched to a new one, we’ll ensure everything is finalised in time for your move.
We offer a free initial mortgage appointment in Derby, giving you the opportunity to explore whether porting your mortgage is the best choice for your move.
Our expert mortgage advisor in Derby will also compare other mortgage deals to ensure you’re getting the most suitable rate.
With access to 1000s of mortgage products, we can find a solution tailored to your needs, whether you decide to port your current mortgage or switch to a new deal.
Often, exploring new mortgage options can lead to a more affordable plan with better terms.
We provide a comprehensive, hassle-free service, handling every step of the process from start to finish.
Whether you’re porting your mortgage in Derby or considering new deals, our priority is finding the most cost-effective option for you.
Our team is available 7 days a week, so you can get mortgage advice in Derby when it’s convenient for you.
Whether it’s porting a mortgage or exploring new deals, we’re here to help you make informed decisions every day of the week.
Read our 32 Reviews
Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2025.
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Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2025.
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