Priya — Home Mover in London
A composite home-mover case. Priya was moving with two children and a chain of three properties. Keeping her existing sub-2% fix was worth around £4,000 over the remaining term, so porting was the priority.
Case snapshot
- Month completed: January 2026
- Location: London, England
- Loan amount: £420,000
- Loan-to-value: 80% LTV
- Income: Combined £110,000 gross (PAYE + bonus)
- Difficulty: Chain of three; wanted to keep her existing sub-2% fixed rate.
- Timeframe: 10 weeks first contact to completion.
The adviser approach
We assessed portability with her existing lender and arranged the additional borrowing on the same lender's current range, so most of the balance kept the low rate.
Outcome
Rate ported; top-up on a competitive 2-year fix. Chain completed on schedule.
Anonymisation statement
This is an illustrative composite based on real adviser experience with cases of this type. Names, exact figures and identifying details have been changed or generalised so that no single client is identifiable. Lender criteria change frequently; your own outcome will depend on your circumstances.
Frequently Asked Questions
Is this a real client?
It is an illustrative composite based on real cases of this type handled by our advisers. No single identifiable client is depicted.
Could you help me with a similar case?
Yes — cases like this are exactly what our advisers handle every week. Contact us or call 0191 580 9890.
The Mortgage Genie Limited is an Appointed Representative of First Complete Limited, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Genie FCA No 754691; First Complete (Primis) FCA No 435779.
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