Ask us Anything

If you're interested in a mortgage or just want to know what we can do for you, simply fill in your details below. An advisor will be in touch to discuss your requirements. For further details, please refer to the Contact us page.

Why choose us...

The entire process was painless, the service was unsurpassed – being contacted frequently and offered assistance and guidance along the way - and We know Mortgages certainly know how to identify the needs of their clients and assist them in every way!

I would highly recommend their services to anyone at any time!

Marlene Nicholls (London)

I found this company really easy to deal with. Their consultants are very professional and extremely helpful. Nothing is too much trouble and they are always trying to give you the best price but using reputable companies. I highly recommend them for any policies you might need. Thank you! Maria

Maria Marco (Lancaster)

I can highly recommend 'We Know Mortgages Ltd'. I purchased life insurance with Aviva. No hassle, straight forward and a good price too! The service was very professional and I would use them again.

Clare Robinson (Preston)

The service from We Know Mortgages comes second to none! From initial consultation to contract exchange the communication, assistance and advise from We Know Mortgages was fantastic. The portfolio of products available through We Know Mortgages is extensive saving me time and money. I fully endorse their service and would recommend We Know Mortgages to anyone looking for a mortgage, insurance or life cover.

Mark Merry (Preston)

Portable mortgage

A portable mortgage is quite common feature amongst most mortgages taken out. This should be highlighted by the mortgage adviser and illustrated on a mortgage offer.

A portable mortgage is where the mortgage is transferable without PENALTY if you move home. Without this feature an Early Repayment Charge maybe payable if the consumer decides to move within the scheme period.

A portable mortgage is suitable to those seeking to move home in the short term whilst in the scheme period. Applicants whom seek to move within the short term for whatever reason i.e. bigger property are advised to take out a mortgage with a portable feature

It is important to note that not all mortgage products are portable especially in the sub prime market.

At the initial mortgage application stage, a Key Facts Illustration will demonstrate whether the mortgage is portable or not. The Key Facts Illustration will highlight all features of a proposed mortgage.

If you require mortgage advice on a portable mortgage, please speak to one of our mortgage advisers. As stated, portable mortgages are important features within mortgage terms. This mortgage feature is important and offers flexibility for the mortgage borrower. Please note, the mortgage lender generally would want the same or more of a loan amount to be transferred. If the mortgage borrower is seeking to transfer less to the new property, it is most likely the mortgage lender will charge an early repayment charge for the difference.

Future portabilty will depend upon lending criteria at the time and your financial status; and lenders affordability criteria may change. Please speak to your individual mortgage lender or call us for further mortgage advice.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact Details

We Know Mortgages Ltd
111 Piccadilly
Ducie Street
Manchester
M1 2HY
Tel - 0161 242 6878
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