Move your mortgage

By porting your mortgage, you are agreeing to transfer your deal on its existing terms. You are eligible to port your mortgage to a new property if: 

• The new property is in England or Wales. 
• The property meets our lending criteria. 
• You meet our lending criteria when you apply to port your mortgage. 
• You don’t already own the property you want to transfer your deal to. 

If your mortgage deal is due to end in the next 6 months, we can waive the early repayment charge on application of the new mortgage. 

If you need a bigger mortgage then you can top up your current mortgage and we will help you find the most suitable deal.  

We’ll ask you to choose another mortgage product from the product range we have available at the time. This will cover the additional borrowing amount, and the terms of the new product will only apply to the additional amount you borrow. 

Borrowing more is subject to acceptance. 

If you’re looking to reduce the mortgage amount when you port it, an early repayment charge may apply to the remaining balance of your existing mortgage deal. Information about early repayment charges on your current deal can be found in the ‘Early repayments’ section of your offer document. For more information, look at our portability rules.