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Moving home

What moving home means for your mortgage

Moving home can be stressful enough without needing to worry about your mortgage on top of it all. We can help you take care of your mortgage so you can concentrate on the move.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Your mortgage options

If you have a mortgage with us, there are 3 options to choose from when moving to a new home.

Keep your current deal

If your current mortgage has a lower rate than our current deals, you might be able to keep it when you move home. Check your mortgage offer to see if it’s portable, and whether you’d need to pay an early repayment charge. Then call us on 0333 202 7580 1 to apply to transfer your mortgage to your new home.

Get a new mortgage deal

You may decide to switch to a new deal and take advantage of our latest Home-mover reward rates which you can find in the table below. Try using our mortgage calculator to see what you could borrow and compare the costs. Just remember to check your mortgage offer first to see if you’d need to pay an early repayment charge before switching.

Our rates for residential mortgage customers

This table outlines what the initial interest rate will be, as well as the follow-on rate, the loan to value and any mortgage fees and early repayment charges that may apply. You can sort any of the columns by selecting the column title.

You can view our full mortgage range, save a copy of our tariff of mortgage charges and read our important legal information.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.


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Product name:

Initial interest rate

Follow on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

Helpful tools

From calculating how much you could borrow to seeing the effect a change to interest rates could have on your mortgage payments, we offer a range of tools and resources to help you when you’re moving home.

Mortgage calculator

Explore your options, see how much you could borrow and compare our latest deals.

Base Rate calculator

Work out how a change to interest rates would affect your monthly mortgage payments.

Moving to a new area?

Whatever the reason you’re moving, explore our tips on relocating to a new area.

Need some help?

If you want to know more about mortgages, choose how you’d like to get in touch – online, in branch or over the phone. You can also browse our mortgage FAQs

If you want help choosing the right mortgage for you, you’ll need to call us to speak to a mortgage adviser.

Talk to us online

Call us on

0800 197 1081 2

Visit a branch

Important information

  1. Lines are open all day, every day – except during Bank Holidays and Christmas period, when lines may be closed at off-peak times. Call charges.