We have been with our current lender for 5 years, overpaid every year and have £100k in our offset account. We are moving house and wish to port our mortgage over to new property with no increase in borrowing. The mortgage will now represent only about 30%LTV. We have been waiting for mortgage paperwork so we can exchange and they have now decided they need to do a survey on the property. We are baffled as they have never done a survey on our current property all 3 times we have re-mortgaged. They just took our estimated valuation. This is such a minimal risk for them as we are putting down a 70% deposit. Are there any mortgage brokers or underwriters around to explain? Our seller is really pissed off as we were originally cash purchasers but our mortgage redemption penalty is high so we don’t want to pay off the mortgage till it expires in 3 years bow