Moving my mortgage
If you’re one of our existing mortgage customers and you’re thinking of buying a new property, you may be able to apply to take your mortgage with you.
This is called ‘porting’ – transferring your existing mortgage to your new home. It can only be used when you buy a new property, not to remortgage a property you already own.
Porting
Porting involves repaying (or ‘redeeming’) your existing mortgage - and then resuming it on your new property, within a maximum of 6 months between redemption and completion.
If you’re moving home, it’s one less thing to worry about because the terms of your mortgage will stay the same.
Porting your mortgage is not quite as simple as just changing your address – in fact, it’s the same process as applying for a new mortgage – so set aside between 45 minutes to 1.5 hours when you call us.
Check if your mortgage is portable
Transferring all, or part of, your mortgage
Borrowing more
As well as porting the total amount outstanding, you may be able to borrow more on a new mortgage product if you can afford to. This is subject to our lending criteria and the maximum Loan to Value allowed on your mortgage product.
We’ll take you through the process and ask the same questions as if you were applying for a new mortgage. All additional borrowing will be on a separate sub-account. If you’ve borrowed more money or split your borrowing across different mortgages in the past, your mortgage will have sub-accounts. Each one may have different terms and conditions.
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Saturday
Sunday
9am - 2pm
Closed
Closed
Yesterday, people waited on average
19 seconds for savings enquiries
9 seconds for mortgage enquiries
