Default query

Residential (Re-mortgage, Product transfer, Porting)

I got a HSBC mortgage in October 2023, I am now looking to move home & HSBC have declined me to port my mortgage because of a default credit card payment of £90. The card defaulted in March 2023. Why would they have given me a mortgage in Oct 2023 but not now let me port mortgage with additional borrowing in July 2025?

What other lenders should I look at? Joint income of £75K looking for LTV of 90% on a £230k property. Thanks

Posted Jul 17, 2025, 8:28 AM UTC