Trying to understand porting a mortgage
Hello,
Am trying to understand this porting malarkey.
Lets assume I own a house worth £260k
The remaining mortgage is £120k
I want to port that to a new property and the bank agrees which costs £900k
Forgetting stamp duty and all extra fees, I assume I can take the full £260k and use it as deposit right?
So to work out how much extra I should borrow I'd need to do:
900-260-120 = 520k in NEW mortgage.
So my final mortgage would be £640k.
Or have I got something mixed up there?
Cheers