Gateway Financial Group

🏡 Your Mortgage Options When Moving Home

Moving home is exciting — but it also brings important mortgage decisions.

Should you port your current mortgage? Take a new deal? Borrow more? Or reduce your mortgage?

Here are the main options to consider 👇

1️⃣ Porting Your Mortgage

Porting means transferring your existing mortgage deal to your new home.

This can be useful if:
✅ You’re on a competitive rate
✅ You’d face early repayment charges by leaving your current deal
✅ Your current lender can support your new purchase

But porting is not automatic.

You’ll still need to meet the lender’s affordability checks and criteria, and if you’re buying a more expensive home, you may need a top-up mortgage — often at a different rate.

We’ll review your current mortgage terms, explain the pros and cons, and confirm whether porting is realistic before you commit.

2️⃣ Taking a New Mortgage Deal

Sometimes, a new mortgage deal may be more suitable.

This could be the case if:
✅ Your current lender won’t offer what you need
✅ You want more flexibility
✅ You’re looking to change the mortgage term
✅ You want to explore lower rates or different products

As a whole-of-market broker, Gateway Financial compares a wide range of lenders — including options not always available on price comparison sites — to help find a mortgage that suits your circumstances.

3️⃣ Borrowing More or Reducing Your Mortgage

Moving home often changes your borrowing needs.

You may be:
🏠 Upsizing and need to borrow more
🏠 Downsizing and want to reduce your mortgage
🏠 Releasing equity for renovations, a deposit, or other costs

We’ll assess affordability properly, show you how different rates and terms could affect your repayments, and help you choose a sustainable plan.

Moving home? Don’t guess your mortgage options — get clear advice before making your next move.

📩 Speak to Gateway Financial today.

Gateway Financial Group Ltd
The Gateway to your new home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

At Gateway Financial, we know that arranging a mortgage can sometimes feel overwhelming. That’s why we’re committed to making the process as simple, straightforward and stress-free as possible.

We’re incredibly grateful to our clients for taking the time to leave such fantastic feedback about David, Luisa, Marco, Matthew and the wider team.

💬 Professional advice
💬 Clear communication
💬 Prompt responses
💬 Support from application to completion
💬 Real people, real advice

One thing that appears time and time again in our reviews is how much our clients appreciate our responsiveness. Whether it’s a quick question, an update on your application, or guidance through the next stage of your journey, we’re always just a phone call, email or message away.

Thank you to every client who has trusted us with their mortgage and protection needs. Your feedback means the world to us and helps future homeowners choose an adviser they can rely on.

If you’re looking for mortgage advice from a team that genuinely cares, we’d love to help.

🏡 The Gateway to your new home starts here.

Are you one of them? 👀

Approximately 1.8 million fixed-rate mortgages are expected to come to an end across the UK throughout 2026.

For many homeowners, that could mean moving from an older, cheaper fixed rate onto a much higher monthly payment.

The good news? You do not need to wait until your current deal ends.

At Gateway Financial, we can review your options early, compare what is available, and help you understand whether staying with your current lender or moving elsewhere could work best for you.

✅ Fixed rate ending in 2026?
✅ Worried your payment might increase?
✅ Unsure when to start looking?

It may be worth reviewing your mortgage up to 6 months before your current deal ends.

📩 Message Gateway Financial today and let’s see what your options look like.

Gateway Financial Group Ltd
Mortgage & Protection Advice

Your home may be repossessed if you do not keep up repayments on your mortgage.