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What's involved?

Subject to lending policy, you may be able to take your current mortgage deal with you when you move home. This is referred to as ‘porting’. And you may be able to apply for additional borrowing at the same time, if required.

Need to borrow less for your new home? Where the full mortgage balance is not ported to the new property, the amount that the balance is reduced by will be subject to any applicable Early Repayment Charge.

Need to borrow more for your new home? You will be able to apply for a new mortgage product for the additional borrowing, from the product range available at that time.

Want a new product? You could take a new mortgage product for the entire loan for your new property. If the new loan completes within 3 months of repaying your existing loan, you will receive a refund of 50% of any applicable Early Repayment Charge.

Repaying your existing mortgage and starting your new one on different days? If the loan on the next property doesn’t start on the same day as you repay the loan on the current property, any applicable Early Repayment Charge is payable in full. But, if you complete the loan on the next property within 3 months, the Early Repayment Charge will be refunded. If there is a reduction in the balance, any applicable Early Repayment Charge will be payable on the difference.

You should always be prepared to include any applicable early repayment charge in the amount you need to repay your existing loan. You can get this information by requesting a redemption statement.

Customers who need to change the parties named on the mortgage when moving home

  • Where the parties of the mortgage are changing, availability of the portable balance is evenly divided between the current named parties.
  • Any additional funds can be applied for from our on-sale product range.
  • If any party doesn't wish to port, they can still get up to a 50% share of the total Early Repayment Charge refund by using this moving your mortgage form (PDF, 681KB) to allow the remaining party(ies) to port up to the full balance.
  • Any Early Repayment Charge refund will be administered upon completion of the new loan agreement.
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