Move your mortgage when you move home

How it works

You may be able to move your existing mortgage to your new property. This is known as porting.

If you want to keep your current deal, you'll need to meet our lending criteria.

You can apply to borrow more from our current range if you need to.

If you borrow less than your current mortgage balance, an early repayment charge will apply.

Who can port their mortgage?

You can apply to port your mortgage if you have a Virgin Money residential mortgage.

If you have a buy-to-let mortgage, you'll need to apply through a mortgage broker.

Want a different deal?

Moving your current deal isn’t your only option.

You can choose a new mortgage deal instead, although early repayment charges will apply.

If you complete within three months of repaying your existing mortgage, we'll refund 50% of any applicable early repayment charge.

If your sale and purchase don't happen on the same day

If there's a gap between repaying your current mortgage and starting your new one, you'll need to pay any applicable early repayment charge first.

If your new mortgage completes within three months, we'll refund that charge.

If you're borrowing less than your current mortgage balance, you won't get all of the charge back.

Any refund will be paid after your new mortgage completes.