Sub-1% mortgage ported to new home with additional borrowing secured to bring total lending up to £1.1 million

by Aaron Strutt

Nov 06 2025

Trinity Financial's existing clients requested assistance in porting their current ultra-low-rate mortgage with their existing bank to a new property they had agreed to purchase.

They needed to raise additional funds to make the transaction work, as their new home was much more expensive. 

What did they do for a living? The couple worked as Investment Managers.

Did they have a complex situation? No, we ported their existing product and borrowed the extra funds with the same lender. They had £400,000 on a sub-1% fixed rate with a year until the rate expired. We topped up the mortgage with an additional £700,000, ensuring they had sufficient funds to purchase their new home.

Were they in a rush to complete? Not a huge rush, but our clients wanted to get the transfer through as soon as possible. Our broker applied to the lender at the beginning of August, and the process was completed by the end of September.

Why did they need our help?  Trinity helped with their original property purchase and the couple wanted advice on porting, as they had agreed to sell their home before the new purchase was going to be completed.

Did we struggle to find a lender?  No, as we ported a sub-1% fixed product to the new property.

Was the mortgage on interest-only or capital repayment? Full repayment over a 35-year term to keep the monthly repayment affordable.

Was the rate particularly good? Yes – a sub-3.75% two-year fix, and we ported her existing fixed rate until December 2026.

Where did they get our contact details from? We helped originally arrange their house purchase in 2021.