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@freedave They don't look at the number alone. I worked for a loan comparison website in the distant past. The rules can get pretty complex looking at parts of the credit report. Number of active credit accounts might be an issue if they have been doing lots of switches recently.

@luckswallows You keep your mortgage and just change the address it is for. You also ask for more to cover the additional borrowing need as a second mortgage from the same provider. This can be difficult if the existing lender will not lend enough additional money but with the budget set out...