I appreciate that, but they lent it to us in January and I was on less money then! What I was hoping is someone would have some advice on porting our product, I don't really understand why they want to do a full application again when we are offering to reduce our mortgage by buying a cheaper house!!!

Hi We were about to move house (I have to as my job is moving (they will pay some fees)) but Abbey (our current lender) will now only lend us £98k. We currently have £176k with them (£144 Interest only, £22 Repayment)... we only remortgaged in January '09 and borrowed more at the time (they had no problem lending it then - they even offered ...