Near you, no matter where you are.
Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Residential
"Moving home doesn't mean starting from scratch."
If you're moving home and still in the middle of a fixed rate deal, you may be able to port your existing mortgage to your new property — keeping your current rate and avoiding early repayment charges.
What is mortgage porting?
Porting means transferring your existing mortgage — and its current interest rate — from your old property to your new one. It's an option offered by most lenders, but it's not always the right choice.
If the new property costs more than your current mortgage balance, you'll need to borrow the additional amount on a new deal. This means you could end up with two mortgage products at different rates — which isn't always ideal but can still work out cheaper than paying an early repayment charge.
If the new property is cheaper (you're downsizing), you'll need to repay the difference. Depending on the amount, this could trigger an early repayment charge — we'll check before you proceed.
Who is this for?
- You're moving home and have an existing mortgage deal
- You want to avoid early repayment charges
- You're upsizing and need to borrow more on top of your existing mortgage
- You want to understand all your options before committing
Key points
- Porting preserves your current rate on the existing balance
- Additional borrowing will be on a new product at current rates
- Your lender will re-assess affordability before approving the port
- Not all lenders allow porting — we'll check your current deal terms
Common questions
Things people ask us
Is porting always the best option?
What if I need to borrow more than my current mortgage?
What if the port is declined?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Related mortgage types
Debt Consolidation
If you're juggling multiple debts at high interest rates, consolidating them into your mortgage can significantly reduce your monthly outgoings. But it's a decision that needs careful thought — and honest advice.
Learn more
Home Improvement Loans
If you're planning a renovation, extension, or major improvement, a further advance or remortgage to raise funds could be more cost-effective than a personal loan — particularly if your property has increased in value.
Learn more
Porting (Moving Home)
If you're moving home and still in the middle of a fixed rate deal, you may be able to port your existing mortgage to your new property — keeping your current rate and avoiding early repayment charges.
Learn more