Existing customers moving home

Take your current deal with you to your new property. This is called 'porting'. If interest rates have increased, you get to keep your lower rate.

I want to port my deal

Apply for a new deal to cover the total amount you need to borrow for your new home. Be aware you might pay an early repayment charge (ERC) if you leave your current fixed rate deal early.

I want a new deal

• Port your current deal for the same amount to your new mortgage.
• You won't pay an ERC to port a fixed rate deal for the same amount.
• Then choose a new deal for the extra amount you need to borrow.
• For example, your current mortgage balance is £100,000. You need to borrow £150,000 in total. So you port £100,000 on your current deal and pick a new deal for the extra £50,000.
   

I want to borrow more

• Port your current deal to your new mortgage.
• If you borrow the same amount, you won't pay an ERC to port a fixed rate deal.
• If you borrow less, you pay part of the ERC to port a fixed rate deal. 
• For example, your current mortgage balance is £100,000. You only need to borrow £75,000 in total. As you're borrowing £25,000 less, you pay an ERC on £25,000.
  
   

I want to borrow the same or less

Get a free, instant decision in principle. We'll tell you if you can complete your application online.
Log on, choose your mortgage account, then 'Manage my mortgage’.
 

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