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The Journal

<div class="wp-block-image wp-image-25173 size-large">
<figure class="aligncenter"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/Mile-Long-Foulridge-2-scaled.jpg" alt="" class="wp-image-35388"/><figcaption class="wp-element-caption">A view of the Mile Long Foulridge Tunnel and beyond</figcaption></figure>
</div>


<h2 class="wp-block-heading">If you&#8217;re in search of a delightful country village conveniently located near Colne, Lancashire, with a picturesque ambience perfect for settling down, <a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link"><span class="uppercase">Foulridge</span></a> is the ideal choice, and our latest development, <span class="uppercase"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">Croft Mill</a></span><span style="text-decoration: underline;" class="ek-underline">,</span> is nestled in this charming village.</h2>



<p><span class="uppercase"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">Foulridge</a></span> boasts a rich history, once serving as a thriving hub for hat-making, and you can still see evidence of the weavers&#8217; cottages that surround the village. Running alongside <span class="uppercase"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">Foulridge</a></span> is accompanied by the expansive Lake Burwain, often referred to as the Foulridge Reservoir. This serene lake offers ample opportunities for boating and yachting year-round. Notably, the reservoir feeds into the historic Leeds to Liverpool Canal, home to the renowned Mile Tunnel and Canal Wharf. The Canal Wharf is a picturesque section of the waterway where you can embark on a boat cruise, savour a drink and a meal, or stroll along the towpath, soaking in the picturesque surroundings. The beautifully restored canal-side warehouse, now a charming café bar, and the Mile Tunnel, a tourist attraction, are of particular interest.</p>



<p><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link"><span class="uppercase">Foulridge</span></a> itself boasts a collection of traditional, locally crafted stone buildings, many of which have stood for centuries. The village offers a pub, <span class="uppercase"><a href="https://linktr.ee/hareandhoundsfoulridge" class="ek-link">The Hare and Hounds Inn </a></span>and <a href="https://www.facebook.com/thewharffoulridge/?ref=py_c" class="ek-link"><span class="uppercase">The Wharf,</span></a> a cafe steeped in history. One of which is nestled right on the banks of Canal Wharf. Additionally, you can enjoy<span class="uppercase"><a href="https://www.facebook.com/foulridge/" class="ek-link"> The New Inn,</a></span> and for those craving diverse flavours, <span class="uppercase"><a href="https://www.fourelephantsfoulridge.co.uk/" class="ek-link">the Four Elephants,</a></span> a delightful Indian restaurant, offers both dine-in and takeaway options. <span class="uppercase"><a href="https://www.facebook.com/foulridgehousetakeaway/?locale=en_GB" class="ek-link">Foulridge House </a></span>is another convenient takeout choice for those who prefer Chinese cuisine.</p>


<div class="wp-block-image wp-image-25174 size-large">
<figure class="aligncenter"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/Alamy-Foulridge-Image-scaled.jpg" alt="" class="wp-image-43505"/><figcaption class="wp-element-caption">Foulridge Wharf Canal</figcaption></figure>
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<p>The village&#8217;s main street features a bakery, butcher shop, and hair salon, with a special recommendation for <span class="uppercase"><a href="https://www.facebook.com/p/Darpo-hair-spa-100046607334827/" class="ek-link">Darpo Hair Studio.</a></span> Furthermore, <span class="uppercase"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">Foulridge</a></span> is the location of <span class="uppercase"><a href="https://www.st-michaelangels.lancs.sch.uk/" class="ek-link">Saint Michael and All Angels CofE VA</a></span>, a village primary school that ensures accessible education for local families. For families seeking recreational activities, <span class="uppercase"><a href="https://thorntonhallcountrypark.co.uk/" class="ek-link">Thornton Hall Farm Park</a></span> and Country Hall offer an excellent day out with a fantastic indoor play area, making it an all-weather attraction for children. Akincoats Park, featuring sports facilities, play areas, and a charming cafe, is another local amenity worth exploring. Supermarkets such as Sainsbury’s and Aldi are conveniently located within a short drive from the development, making grocery shopping hassle-free for residents. Sainsbury’s is a mere 4-minute drive away, with Aldi and additional shopping options situated in the surrounding industrial estates.</p>



<p>&nbsp;</p>


<div class="wp-block-image wp-image-25172 size-large">
<figure class="aligncenter"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/Foulridge-Tunnel-2-scaled.jpg" alt="" class="wp-image-35387"/></figure>
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<p>Nestled within the picturesque locale of <span class="uppercase"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">Foulridge, Lancashire, Croft Mill</a></span> awaits. Seventeen remarkable two-storey homes crafted from natural stone grace this landscape, each boasting an alluring style and unique charm.</p>



<p>Within this collection of 17 homes, thirteen are thoughtfully designed with three bedrooms, while four offer four bedrooms, all meticulously crafted from natural stone. These residences also incorporate solar panels, a testament to our energy and financial efficiency dedication. </p>



<p>Are you a resident of Foulridge? We&#8217;re eager to hear from you about your experiences and what makes living here special to you! Feel free to get in touch with us through our social media channels, <a href="https://www.instagram.com/skiptonproperties/" class="ek-link">@skiptonproperties</a>, or send us an email at <a href="mailto:hello@skiptonproperties.com" class="ek-link">hello@skiptonproperties.com.</a></p>


All about Foulridge


<p>What you need to know&#8230; </p>



<h2 class="wp-block-heading">What happens when you port your mortgage?</h2>



<p>Porting a mortgage is relatively uncomplicated. First, speak with your lender and inform them about your intention to move. They will review your circumstances to verify your continued eligibility for the existing mortgage deal. Your financial situation may have evolved since your initial mortgage application, so they will need to check your eligibility for the deal.&nbsp;</p>



<p>Assuming your reassessment proves successful, you can then &#8220;port&#8221; the mortgage to finance your new property. Essentially, the process mirrors what you would go through when purchasing a home with a new mortgage offer.</p>



<h2 class="wp-block-heading">How can you work out your eligibility to port a mortgage?</h2>



<p>Most mortgages are portable, and this flexibility is typically an inherent feature of the mortgage agreement with your lender. Nevertheless, it&#8217;s advisable to consult with your lender to confirm whether this option is available in your case.</p>



<p>Usually, you can work out your ability to port your mortgage if you can verify the following:</p>



<ul class="wp-block-list">
<li>Your mortgage agreement explicitly mentions the option to do so</li>



<li>Your lender affirms your eligibility for mortgage porting</li>



<li>Any introductory offer period (e.g., a two-year fixed rate) has reached its conclusion</li>
</ul>



<p>If your mortgage cannot be ported, you may need to explore alternative choices.</p>



<h2 class="wp-block-heading">Can you switch mortgages if porting is not an option?</h2>



<p>You certainly have the prerogative to switch to a new loan if your circumstances allow. However, choosing this path may incur fees, particularly because you are prematurely exiting your current mortgage deal.</p>



<p>We recommend speaking with your lender to get an overview of your present circumstances. Afterwards, speak with a mortgage adviser about the different options available to you. You may even discover that not porting your mortgage could provide better value for your financial situation.</p>



<h2 class="wp-block-heading">What fees will I have to pay for porting my mortgage?</h2>



<p>If you are considering downsizing or relocating to a more cost-effective area, your existing mortgage might adequately cover the required amount for your new property. In this case, you may only need to pay specific fees, such as a valuation survey fee. In some cases, you might even have the opportunity to renegotiate the house price following a survey.&nbsp;</p>



<p>Nonetheless, unique circumstances may necessitate additional fees.</p>



<h2 class="wp-block-heading">Is it possible to port a mortgage and borrow more money?</h2>



<p>If you need additional funds to finance your new home, you might still be able to port your mortgage. Keep in mind that increasing your mortgage loan may entail paying a fee. You might incur an exit fee if you wish to exit your current mortgage.</p>



<h2 class="wp-block-heading">Can a fixed-rate mortgage be ported?&nbsp;</h2>



<p>Opting to exit before the conclusion of an introductory offer period, such as a two-year fixed rate, could mean paying an early repayment charge in addition to other exit fees. Typically, this charge ranges from 1% to 5% of the remaining mortgage debt, potentially making it an unattractive option during the early stages of your mortgage term.</p>



<h2 class="wp-block-heading">Is porting your mortgage right for you?</h2>



<p>Mortgage porting can be an appealing option for those considering downsizing or relocating to a more budget-friendly area. It enables you to retain a comfortable deal with minimal hassle and few, if any, fees. However, if your situation is more complex, it&#8217;s advisable to carefully weigh up your alternatives and seek guidance from a mortgage expert to identify the most suitable mortgage solution for your needs.</p>



<p>We are on hand to chat with you about the options available and offer guidance about what would best suit your unique needs and circumstances.</p>



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<h3 class="has-text-align-left has-medium-font-size wp-block-heading"><strong>Bolton Gardens</strong> &#8211; Silsden</h3>



<p class="has-accent-color has-text-color has-link-color wp-elements-224063175fbdace7dfc1f7eaea66016a">View Development</p>
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<h3 class="has-text-align-left has-medium-font-size wp-block-heading">Croft Mill &#8211; Foulridge</h3>



<p class="has-accent-color has-text-color has-link-color wp-elements-cf8e1044f985b05ad567a555ad595b0c"><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" class="ek-link">View Development</a></p>
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<div class="wp-block-cover has-custom-content-position is-position-bottom-left is-style-do-not-restrict-height ek-linked-block"><span aria-hidden="true" class="wp-block-cover__background has-background-dim-10 has-background-dim"></span><img decoding="async" class="wp-block-cover__image-background wp-image-46960" alt="" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/The-Alders-Skipton-Aerial-View-Two-scaled-1.jpeg" style="object-position:17% 36%" data-object-fit="cover" data-object-position="17% 36%"/><div class="wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow">
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<h3 class="has-text-align-left has-main-color has-text-color has-medium-font-size wp-block-heading"><strong>The Alders &#8211; Skipton</strong></h3>



<p class="has-accent-color has-text-color has-link-color wp-elements-9a092257272406b26f4ce57005b1f860"><a href="https://www.skiptonproperties.com/developments/the-alders/" class="ek-link">View Development</a></p>
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Mortgage Porting Explained

<h3 class="wp-block-heading"> </h3>



<p>A skilled site manager combines technical expertise, outstanding communication abilities, and problem-solving prowess. At Skipton Properties, we are dedicated to exceeding these standards, delivering unmatched quality and expert craftsmanship for our valued homeowners.</p>



<p>We&#8217;re approaching this work anniversary with a unique twist, and now, we&#8217;ll hand the mic over to John himself!</p>



<p><em>I&#8217;ve had the privilege of serving as the Site Manager at Skipton Properties for a solid two years. Over this period, I&#8217;ve played a significant role in several projects, with Ebor Mills marking my initial venture. We constructed new homes at Ebor Mills and masterfully transformed the existing Warehouse and Spinning Mill. It was a true labour of passion, but the final outcome justified all the sweat and toil. What&#8217;s more, I&#8217;m thrilled to share that we&#8217;ve recently earned an LABC award for said development, an achievement I take immense pride in!</em> You can read more on that <a class="ek-link" href="https://www.skiptonproperties.com/2023-labc-building-excellence-awards/">here. </a></p>



<p><em>I was asked, what&#8217;s the driving force behind my continued presence here? It&#8217;s the incredible team I&#8217;m fortunate to work with. I&#8217;ve just transitioned to <a class="ek-link" href="https://www.skiptonproperties.com/developments/the-alders/">The Alders</a> in Skipton, where we&#8217;re in the midst of building 77 new residences. Commencing work on a project already in progress can be a bit challenging, but I genuinely can&#8217;t wait to dive in and contribute!</em></p>



<p><em>If you were to inquire about my aspirations for the next two years, I&#8217;d hope to find myself right here, doing what I&#8217;m passionate about</em>,<em> overseeing the development process and witnessing the creation of our magnificent homes.</em></p>
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<figure class="wp-block-image size-large"><img decoding="async" class="wp-image-44957" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/Skipton-Properties-Ebor-Mills-Drone-Nov-2022_0001_Layer-0-edited-scaled.jpg" alt="" />
<figcaption class="wp-element-caption">Ebor Mills, Haworth</figcaption>
</figure>
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<p>&nbsp;</p>

The Journal

All about Foulridge

Mortgage Porting Explained

Celebrating 2 years as Site Manager

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