Porting your mortgage

Take your mortgage with you when you move home

Keep your current mortgage or choose a different rate – 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 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.

More mortgage options

Our reward rates

We can help if you’re ready to make your next move

Take a look at the rates we offer if you have a mortgage with us and you’re thinking about selling your current home and living somewhere else.

Manage your mortgage

See your mortgage details and make changes easily and securely in our app1 and Online Banking.

Need some help?

Call us

Call us2if you have a question about mortgages. Lines are open Monday to Friday, 8:30am to 5:30pm and Saturday 9am to 1pm.

0800 022 4022


Your local branch may be able to help – or they can book an appointment for you with a mortgage adviser.