Porting your mortgage

Keep your current mortgage as it is

If your current mortgage deal still suits your needs, you could move it to your new home (also known as ‘porting’ your mortgage). Apply to transfer your current balance and there are no early repayment charges to pay, as long as your new mortgage starts within 90 days of selling your current home.

Keep your mortgage and borrow more

Choose from one of our current mortgage deals for the extra amount you want to borrow while keeping your existing mortgage balance on your current deal. This means you’ll have a multi-part mortgage, and you could repay the extra amount over a different period of time.

Apply for a new rate

If your needs have changed since you got your current mortgage, take a look at our home-mover reward rates, which you’ll find below, or our full mortgage range. This may mean paying an early repayment charge on your current balance – check your current mortgage documents to see if that’s the case for you.