Porting Your Mortgage When Moving Home

If you’re moving home but want to keep your existing mortgage deal, you may be able to ‘port’ your mortgage — transferring it from your current property to your new one. But certain rules and conditions apply.

How mortgage porting works:

  • Many mortgages are portable, allowing you to move your existing deal to a new property without paying early repayment charges.

  • You’ll still need to go through a full application process with your lender for the new property.

  • If you’re borrowing more for the new home, the additional borrowing may be on a separate product, often at current rates.

Things to consider when porting:

  • Affordability reassessment:
    The lender will reassess your income, debts, and affordability just as with any new mortgage.

  • Property suitability:
    The new property must meet the lender’s valuation and lending criteria.

  • Timing gaps:
    Sometimes you may sell before buying — some lenders allow a temporary gap for porting, others may not.

  • Early repayment charges (ERCs):
    If you’re unable to port fully, ERCs may apply on any amounts redeemed.

We help you fully assess whether porting is the best option, or whether switching to a new deal entirely may be more cost-effective.

"Porting can be a valuable option when moving, but it’s not always as simple as it sounds. We’ll carefully review your situation to ensure you don’t get caught by unexpected costs — and that you secure the right mortgage for your next home."