FAQS

Yes — this is called “porting” your mortgage. We’ll check if it’s the best choice or if a new deal would save you more.

Not always, but it can help. We’ll explain your options based on your equity and property price.
 

We can start your application as soon as you’ve had an offer accepted — sometimes even sooner for an agreement in principle.

Usually around 25%, though some lenders may accept less.

They look at expected rental income and your personal circumstances.
 

Yes — some lenders welcome new landlords, especially if you have a good deposit and income.
 

Yes — specialist lenders can consider applicants with CCJs, defaults, or missed payments

Most look at the past 6 years, but minor issues can have less impact over time.

It can be, but we’ll shop around to find you the most competitive deal possible.

Typically 3–6 months, giving you time to complete your purchase or re-mortgage