Moving home

Moving home

What moving home means for your mortgage

Keep your current mortgage, borrow more or get a different deal – we’ll help take care of your needs 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

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 0800 022 40221 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.

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Initial period
Deal type

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

Work out your mortgage budget

See how much you could borrow and work out what your monthly payments might be with our mortgage calculators.

Mortgages and the base rate

About the Bank of England base rate

Find out how the recent increase in the base rate set by the UK’s central bank affects your mortgage.


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

Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.

Visit a branch

Contact a branch that offers appointments with one of our expert mortgage advisers.