Your home may be repossessed if you do not keep up repayments on your mortgage.
Moving home mortgage advice that sits at the centre of everything else going on. Sale, purchase, chain, solicitors, estate agents and a mortgage that has to hold it all together. Our job is to make sure the mortgage is not the thing that slows the chain down.
Believing your current rate will simply move with you, when in reality porting has criteria you may no longer meet.
Sale falls through close to exchange, the purchase looks lost, and there's no plan B in place.
Sale and purchase completion dates drift apart, forcing short-term rental or overlapping mortgage payments.
We check whether porting your current rate actually wins, or whether switching lenders gives you a better result.
Two or three 'what ifs' modelled up front, including bridging via ABSF if a chain breaks near an exchange.
Direct liaison with your solicitor and estate agent to keep completion dates synced across the chain.
Lender, product, rate, ERC status and whether it's portable. These decide your starting options.
Sale price, purchase price, deposit gap, and your position in the chain. Each affects the timing.
Your target completion date and any flexibility. The chain rarely hits the first date planned, so we build in contingency.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Chains only move as fast as their slowest link. Our senior team makes sure the mortgage is never that link, with direct contact to your solicitor and agents throughout.
Sometimes. Porting is possible on most mortgages but subject to the lender re-approving you under current affordability. We check porting against fresh market rates to see which wins.
We arrange bridging finance through AB Specialist Finance (ABSF), completing your purchase within days and giving you time to re-sell. The chain break is survivable with the right plan.
Usually not, unless you have the cash or bridging in place. For most clients, coordinated completion dates are the cleaner path. We walk through the options case by case.
Yes, an extra 3 to 5 percent depending on price. It applies to second homes, let-to-buys and holiday lets. We factor it in from the first conversation.
Four to eight weeks from application to offer on a straightforward case. The chain itself usually takes longer than the mortgage. We aim to have you offer-ready before the chain needs you.
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