Moving Home
Port it, replace it, or bridge it. The right structure keeps your move alive.
A move is two transactions pretending to be one
Selling and buying at once means chains, timing risk and a mortgage decision most people don’t realise they’re making: keep your current deal and port it, or break it and start fresh. Get it wrong and you pay penalties, or lose the house.
The right answer depends on your current rate, the penalties, the new property and how quickly you need to move. That’s a calculation we do every week.
How ERG helps
- Port vs replace, properly costed:
- We compare keeping your existing deal against the open market, including early repayment charges, so the decision is made on numbers, not guesswork.
- Chain-aware structuring:
- Where timing is tight we structure around it, and when a chain genuinely threatens the purchase, bridging finance can keep your move alive.
- Upsizing with confidence:
- Bigger home, bigger borrowing. We present your income so the affordability assessment reflects your real position.
Who we help
Movers we regularly act for:
- Families upsizing to the next home
- Downsizers releasing equity from a larger property
- Movers porting an existing fixed-rate deal
- Buyers caught in a fragile or broken chain
- Relocators moving for work or schools
Frequently Asked Questions
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Taking your existing mortgage deal with you to the new property. It avoids early repayment charges, but it still requires a full application on the new home, and if you’re borrowing more, the top-up sits on a current rate. We run both routes side by side.
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Depending on your equity and timescales, bridging finance can let you complete the purchase before your sale finishes. It’s a specialist product with real costs, so it needs proper advice, which is precisely what we do.
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Usually, yes, by porting the deal or by paying the early repayment charge if the open market beats it. The maths differs case by case; we’ll show you both numbers.
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Time zone: United Kingdom (Europe/London)
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A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.
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