Keep your mortgage rate when you move home

Yes, you can move home while you're still within the initial period on your mortgage. You'll either have to repay your current mortgage and get a new mortgage or, if your mortgage allows, you might be able to move home without taking out a new mortgage deal - this is known as porting. 

Check out your options for your next step.

Most of our mortgage rates can be ported to a new property. However, there are some circumstances where this may not be possible. To check whether your mortgage rate is portable, please refer to your most recent mortgage offer document or speak with one of our mortgage advisers.

If you already own the property, you won’t be able to port your existing mortgage to it. Please speak to us about your mortgage options.

You may still need to pay an Early Repayment Charge (ERC) if:

• You only take some of your current mortgage to the new property.
• There's a delay between selling your current home and purchasing the new one.

You can apply to borrow more money when you move. Borrowing more money will involve affordability checks. Any additional borrowing will be on current rates available.