{"id":4481,"date":"2026-10-23T17:26:39","date_gmt":"2026-10-23T16:26:39","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=4481"},"modified":"2026-10-23T17:26:40","modified_gmt":"2026-10-23T16:26:40","slug":"porting-your-mortgage","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/porting-your-mortgage\/","title":{"rendered":"Moving home and porting your mortgage"},"content":{"rendered":"<div class=\"c-section c-section--primary-lighter mt-4 mb-4\" id=\"\" style=\"\">\n    <h2 class=\"c-section__title\">\n        In summary:\u00a0    <\/h2>\n    <div class=\"c-section__content\">\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Moving home doesn\u2019t mean your mortgage automatically moves with you \u2013 you\u2019ll usually need your lender\u2019s approval first<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>You have three main options: port your existing mortgage, take a new deal with the same lender, or remortgage elsewhere<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Porting lets you keep your current rate, but you\u2019ll still need to pass fresh affordability and property checks \u2013 certainly if you are borrowing more money<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Early repayment charges (ERCs) may apply if porting isn\u2019t possible and you continue to move<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n    <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Buying your first home and moving to your next one don\u2019t follow the same mortgage process. When you\u2019re already a homeowner, you\u2019ll likely have a mortgage in place before you start viewing future homes. So, there\u2019s one big question to answer early on: what happens to your mortgage when you move?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some homeowners assume they can take their existing mortgage with them. This is known as porting your mortgage. But whether this option is available to you, depends on your lender, the terms of your current mortgage product, and your plans for your next move.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains your options when moving home, what porting a mortgage means and how it works in practice, and what to consider if you\u2019re moving your mortgage to another property.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"3187649f004db456a447b11950bab7db\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Remortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See your new estimated monthly repayments.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"what-happens-to-your-mortgage-when-you-move-house\" class=\"wp-block-heading\">What happens to your mortgage when you move house?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage is tied to a property, so it doesn\u2019t automatically transfer when you sell up and buy somewhere new.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you decide to move home, the terms and conditions of your existing mortgage still apply, and your lender will need to give approval before anything can move across.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means they\u2019ll reassess your finances as they did when you first applied, even if you\u2019ve had the mortgage for many years.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few things typically happen at this stage:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your lender checks that you can still afford the mortgage. The level of these checks varies, depending on whether your borrowing amount is increasing, staying the same, or decreasing&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They assess whether your new property meets their lending criteria&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They confirm whether your specific mortgage product is portable&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the outcome, you\u2019ll usually have a few different options for moving your mortgage forward alongside your move.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-are-my-mortgage-options-when-moving-home\" class=\"wp-block-heading\">What are my mortgage options when moving home?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you know where you stand with your lender, there are three main routes you can take.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Port your existing mortgage. You apply to move your current mortgage product to your new property, along with the same rate and terms&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Take out a new mortgage with the same lender. Sometimes called a \u2018product transfer with borrowing\u2019, this lets you stay with your existing lender but switch to a different deal&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/what-is-remortgaging\/\">Get a new mortgage with a different lender<\/a>. You pay off your existing mortgage and take out a brand new one elsewhere, which could mean a better rate but also a fresh application&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Which option suits you best will depend on your current deal,&nbsp;whether you have early repayment charges (ERCs), how much you need to borrow, and how competitive your existing rate is compared to what\u2019s available elsewhere.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ll go through each of these in more detail below.<\/p>\n\n\n\n<h2 id=\"what-is-porting-a-mortgage\" class=\"wp-block-heading\">What is porting a mortgage?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The process of porting a mortgage is often misunderstood. It\u2019s not the loan itself that moves with you, but the mortgage product (e.g. the interest rate and the terms attached to it.)&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you port your mortgage, you\u2019re essentially closing your current mortgage on your old home and opening a new one on your next home, using the same lender, same rate and same terms.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders treat this as a new application in most respects, so approval isn\u2019t automatic.&nbsp; They will carry out fresh affordability checks based on your current income and outgoings, and will also assess whether your new property meets their lending criteria. The only exception to this is when you are moving to a property of a similar value and are not borrowing any more for it \u2013 this is usually a more straightforward process.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if your existing mortgage does not cover the full amount you need for your next home, your lender may let you port the existing balance and apply for additional borrowing. The additional amount could be on a different rate and terms.<\/p>\n\n\n\n<h2 id=\"how-does-porting-a-mortgage-work\" class=\"wp-block-heading\">How does porting a mortgage work?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Porting a mortgage follows a similar path to your original mortgage application. Here\u2019s what the process typically looks like:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Inform your lender you\u2019re planning to move, either directly or through your broker. Let them know as early as possible so they can confirm whether your mortgage is portable&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Apply for a Mortgage in Principle. Your lender will assess your income, outgoings and credit history to confirm how much you could borrow&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Find your new property and have your offer accepted. You\u2019ll need this in place before your lender can move forward with a formal application&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Submit your full application. This includes an affordability check and a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/lenders-valuation\/\" target=\"_blank\" rel=\"noopener\">lender valuation<\/a> of your new property&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Receive your mortgage offer. If everything checks out, your lender issues a new offer covering the ported amount and any additional borrowing&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li>Complete on both properties. Your existing mortgage is repaid from the sale of your old home, and your new ported mortgage completes on your new one, usually on the same day&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The whole process can take anywhere from a few weeks to a couple of months, depending on your lender and how straightforward your circumstances are.<\/p>\n\n\n\n<h2 id=\"can-i-move-my-mortgage-to-another-property\" class=\"wp-block-heading\">Can I move my mortgage to another property?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on your current mortgage terms&nbsp;and the value of your next home,&nbsp;moving your mortgage to another property could be possible.&nbsp;Porting is a more likely option if your new home is the same price as your existing one, as you carry over the same borrowing amount, terms and a similar rate. But it isn\u2019t guaranteed, and it comes down to a few key factors.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Porting is possible&nbsp;when your circumstances haven\u2019t changed much since you took out the mortgage and your new home fits your lender\u2019s lending criteria. Issues may crop up when your income has dropped, your credit history has taken a knock, or the property you want to buy doesn\u2019t meet the lender\u2019s valuation standards. &nbsp;However, FCA rules give lenders some flexibility when assessing affordability in certain circumstances, including where you\u2019re not increasing your borrowing or making changes that affect affordability.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some mortgage products aren\u2019t portable at all, so it\u2019s always worth checking this with your lender directly.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before approving a port, your lender will typically look at:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether your new property is an acceptable type, location and condition for lending&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your current income, outgoings and credit history&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether the loan-to-value on your new home fits within their lending limits&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">How much you\u2019re borrowing compared to before also makes a difference, so it\u2019s worth thinking through the following scenarios.&nbsp;<\/p>\n\n\n\n<h3 id=\"what-if-my-new-home-costs-the-same\" class=\"wp-block-heading\">What if my new home costs the same?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your new home is the same price as your existing one, porting could be a more straightforward option. You keep the same mortgage balance, rate and monthly repayments, but apply it to a different property. You will still need to pass your lender\u2019s checks and assessment of the new property, but there would not be any extra borrowing to arrange. There could, however, be admin fees involved, so check the terms with your current lender.&nbsp;<\/p>\n\n\n\n<h3 id=\"what-if-my-new-home-costs-more\" class=\"wp-block-heading\">What if my new home costs more?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re moving somewhere more expensive, you\u2019ll likely need to borrow more than your current mortgage covers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It helps to start by understanding how much equity you have in your current home. Our <a href=\"https:\/\/www.rightmove.co.uk\/house-value.html\" target=\"_blank\" rel=\"noopener\">Instant Valuation tool<\/a> gives you an estimate of your property\u2019s current value, which you can use alongside your outstanding mortgage balance to work out your equity.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you know this, your lender can arrange a top-up mortgage, which adds the extra amount you need to borrow on top of your ported mortgage.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The catch is that this additional borrowing is usually charged at your lender\u2019s current rates.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you borrow more when you port your mortgage, the additional amount will be subject to your lender\u2019s current products and lending criteria, including the rate available for your loan-to-value (LTV). &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, even if you can port your existing mortgage, there\u2019s no guarantee your lender will approve the extra borrowing.&nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/house-value.html\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"33c8d48f173a76ac3e03fbfb71a26011\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Track your mortgage equity<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p><span data-teams=\"true\">Get an instant valuation and see what your equity could unlock.<\/span><\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h3 id=\"what-if-my-new-home-costs-less\" class=\"wp-block-heading\">What if my new home costs less?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re downsizing, you may not need to borrow as much as your current mortgage balance. In this case, you can usually make a partial repayment towards your mortgage when you complete on the new property.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This could move you into a lower loan-to-value bracket, but this doesn\u2019t mean you will be on a lower LTV product or rate, as you are porting based off your original mortgage deal.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also worth checking whether your current deal has early repayment charges (ERCs) for paying off part of your mortgage early, as these could be triggered even when you\u2019re porting the rest. &nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/current-remortgage-rates\/\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--dark \" \n   data-module-admin-id=\"941fc7cf1a39ac8e92a7a2540d202ff7\">\n    <div class=\"c-calculator-module__media\" ><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Current remortgage rates<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See average rates for different loan-to-value ranges.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"should-i-port-my-mortgage-or-get-a-new-one\" class=\"wp-block-heading\">Should I port my mortgage or get a new one?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both routes have their upsides and drawbacks, so it\u2019s worth weighing these up before you decide.&nbsp;<\/p>\n\n\n\n<h3 id=\"porting-your-mortgage\" class=\"wp-block-heading\">Porting your mortgage&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pros:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep your existing rate&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid costly ERCs, where applicable&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simpler if your rate is already competitive&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cons:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>May not be the best rate currently available&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lender approval required, depending on the circumstances&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Remaining limited by your existing lender terms&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"taking-out-a-new-mortgage\" class=\"wp-block-heading\">Taking out a new mortgage&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pros:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Freedom to shop around for different products&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Potential to find a better rate&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cons:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Arrangement fees may apply&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Possible ERCs on your current deal. Bear in mind that by moving to a new lender, you would need to pay these costs out of your own savings or equity.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A full new application process&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 id=\"what-are-the-costs-to-move-your-mortgage\" class=\"wp-block-heading\">What are the costs to move your mortgage?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Costs vary depending on what you are choosing to do. Porting could be cheaper if your existing rate is lower than what is currently available, though you may still face valuation or admin fees. Check the terms on your current mortgage deal before deciding.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking out a new mortgage often involves arrangement fees and early repayment charges on your existing deal. The biggest potential costs to consider are the ERCs from your existing lender, which could be 1%-5% of your remaining balance, meaning it could be a substantial amount from your own pocket. It&#8217;s worth considering whether your new deal is significantly cheap enough to warrant these additional fees, before moving forward.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Legal and survey costs also apply to most moves, regardless of which mortgage option you choose.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-to-prepare-before-moving-home\" class=\"wp-block-heading\">How to prepare before moving home&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A little preparation early on can save time and stress later. Before you start viewing, consider working through the following:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Check your current mortgage terms for ERCs, what you have left to pay, and how <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"_blank\" rel=\"noopener\">different types of mortgages<\/a> compare to what you have now&nbsp;<\/li>\n\n\n\n<li>Ask your lender directly whether your mortgage is portable&nbsp;<\/li>\n\n\n\n<li>Speak to a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\" target=\"_blank\" rel=\"noopener\"><strong>mortgage broker<\/strong><\/a> for advice tailored to your circumstances&nbsp;<\/li>\n\n\n\n<li>Use our guide on <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\" target=\"_blank\" rel=\"noopener\"><strong>how much you can borrow<\/strong><\/a> to calculate your affordability&nbsp;<\/li>\n\n\n\n<li>Review your current deal for any early repayment charges&nbsp;<\/li>\n\n\n\n<li>Get a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\" target=\"_blank\" rel=\"noopener\"><strong>Mortgage in Principle<\/strong><\/a> for a personalised result on your potential budget, before you start viewing&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If you decide porting isn\u2019t right for you, our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/\" target=\"_blank\" rel=\"noopener\"><strong>remortgaging guide<\/strong><\/a> can help you explore your alternatives in more detail.&nbsp;<\/p>\n\n\n<div class=\"row mb-5 mt-4 g-4\" id=\"\"><div class=\"col-12 col-lg-6 mb-sm-2 mb-md-0\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Explore your options with our Remortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See your new estimated monthly payments from your current lender, and the 10 largest UK lenders.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><div class=\"col-12 col-lg-6 \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/06\/Broker.png)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>How could a mortgage broker or adviser help?<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>A mortgage broker will assess your circumstances and help you work out how much you can borrow and give you advice for your next move.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><\/div>\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-does-it-mean-to-port-a-mortgage\" class=\"c-faqs__question\">What does it mean to port a mortgage?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW175815362 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW175815362 BCX0\">Porting a mortgage means moving your current mortgage product, including its rate and terms, to a new property. Lenders offer this so you can avoid early repayment charges when you move home. It applies when you sell one property and buy another, rather than just switching deals on the same home.<\/span><\/span><span class=\"EOP Selected SCXW175815362 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-are-the-benefits-of-porting-a-mortgage\" class=\"c-faqs__question\">What are the benefits of porting a mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW26706866 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW26706866 BCX0\">The main benefit is keeping your existing rate, which is especially useful if <\/span><span class=\"NormalTextRun SCXW26706866 BCX0\">it\u2019s<\/span><span class=\"NormalTextRun SCXW26706866 BCX0\"> lower than <\/span><span class=\"NormalTextRun SCXW26706866 BCX0\">what\u2019s<\/span><span class=\"NormalTextRun SCXW26706866 BCX0\"> currently available. It can also help you avoid early repayment charges on your current deal.<\/span><\/span><span class=\"EOP Selected SCXW26706866 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-port-my-mortgage-to-a-more-expensive-property\" class=\"c-faqs__question\">Can I port my mortgage to a more expensive property? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW173218379 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW173218379 BCX0\">Yes, <\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">i<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">f your lender allows it<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">.<\/span> <span class=\"NormalTextRun SCXW173218379 BCX0\">You\u2019ll<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\"> port your existing balance and rate, then take out <\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">additional<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\"> borrowing to cover the difference. This extra amount <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW173218379 BCX0\">will be<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">charged at your lender\u2019s current rate, and <\/span><span class=\"NormalTextRun SCXW173218379 BCX0\">you\u2019ll<\/span><span class=\"NormalTextRun SCXW173218379 BCX0\"> need to pass an affordability check on the full amount.<\/span><\/span><span class=\"EOP Selected SCXW173218379 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-happens-to-my-mortgage-if-i-move-to-a-cheaper-property\" class=\"c-faqs__question\">What happens to my mortgage if I move to a cheaper property? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW37909522 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW37909522 BCX0\">You can usually make a partial repayment towards your mortgage and port the remaining balance. Check your lender\u2019s rules, as early repayment charges can sometimes apply to the amount you repay<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW37909522 BCX0\">.<\/span><span class=\"NormalTextRun SCXW37909522 BCX0\"> You can move to a cheaper property and <\/span><span class=\"NormalTextRun SCXW37909522 BCX0\">maintain<\/span><span class=\"NormalTextRun SCXW37909522 BCX0\"> the mortgage at the same <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW37909522 BCX0\">level but<\/span><span class=\"NormalTextRun SCXW37909522 BCX0\"> increase the LTV. This is also possible &#8211; but it may mean lenders apply more checks.<\/span><\/span><span class=\"EOP Selected SCXW37909522 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"will-i-need-to-pass-a-new-affordability-check-to-port-my-mortgage\" class=\"c-faqs__question\">Will I need to pass a new affordability check to port my mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW254651049 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW254651049 BCX0\">You may need to, if borrowing more on top of your existing mortgage. If you are porting a mortgage to <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW254651049 BCX0\">home with a similar value, this may not be necessary. <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW254651049 BCX0\">It ultimately, depends<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW254651049 BCX0\"> on your circumstances.<\/span><\/span><span class=\"EOP Selected SCXW254651049 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-port-my-mortgage-if-im-in-a-fixed-rate-deal\" class=\"c-faqs__question\">Can I port my mortgage if I\u2019m in a fixed-rate deal? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW110258327 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW110258327 BCX0\">Check your current lender\u2019s terms but often <\/span><span class=\"NormalTextRun SCXW110258327 BCX0\">fixed<\/span><span class=\"NormalTextRun SCXW110258327 BCX0\">-rate mortgages are portable. Porting lets you keep your fixed rate and avoid the early repayment charge <\/span><span class=\"NormalTextRun SCXW110258327 BCX0\">you\u2019d<\/span><span class=\"NormalTextRun SCXW110258327 BCX0\"> otherwise pay for leaving the deal early.<\/span><\/span><span class=\"EOP Selected SCXW110258327 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-if-my-lender-wont-let-me-port-my-mortgage\" class=\"c-faqs__question\">What if my lender won\u2019t let me port my mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW67476463 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">You<\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\"> may <\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">need to consider\u00a0<\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">applying for a new mortgage<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightHovered SCXW67476463 BCX0\">\u00a0with a different lender<\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">, <\/span><span class=\"NormalTextRun CommentHighlightPipeRest CommentHighlightHovered SCXW67476463 BCX0\">though this <\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">could<\/span> <span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\">then result in<\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW67476463 BCX0\"> early repayment charges.<\/span><\/span><span class=\"EOP Selected SCXW67476463 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-long-does-it-take-to-port-a-mortgage-when-moving-home\" class=\"c-faqs__question\">How long does it take to port a mortgage when moving home? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW47171979 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW47171979 BCX0\">Porting <\/span><span class=\"NormalTextRun SCXW47171979 BCX0\">a mortgage can ta<\/span><span class=\"NormalTextRun SCXW47171979 BCX0\">ke<\/span> <span class=\"NormalTextRun SCXW47171979 BCX0\">anything between<\/span> <span class=\"NormalTextRun SCXW47171979 BCX0\">a few weeks to a couple of months, <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW47171979 BCX0\">similar to<\/span><span class=\"NormalTextRun SCXW47171979 BCX0\"> a standard mortgage application. It usually runs alongside your conveyancing timeline, so both processes tend to complete around the same time.<\/span><\/span><span class=\"EOP Selected SCXW47171979 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"do-i-need-a-new-mortgage-in-principle-when-porting\" class=\"c-faqs__question\">Do I need a new Mortgage in Principle when porting? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW86995708 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightHovered SCXW86995708 BCX0\">Yes, most lenders will ask for an updated Mortgage in Principle as part of the porting process, even if <\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW86995708 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun CommentHighlightHovered SCXW86995708 BCX0\"> staying with the same one.<\/span><\/span><span class=\"EOP Selected SCXW86995708 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-you-release-equity-when-porting-a-mortgage\" class=\"c-faqs__question\">Can you release equity when porting a mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW229991338 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\">Yes, if <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\"> borrowing more than your current mortgage balance, this <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\">additional<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\"> borrowing can <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\">allow you to withdraw<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\"> some of the equity from your move. <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\">It\u2019s<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\"> subject to your lender\u2019s standard affordability and lending checks.<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW229991338 BCX0\"> B<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW229991338 BCX0\">orrowing more increases the amount owed and may increase your monthly payments and total interest.<\/span><\/span><span class=\"EOP Selected SCXW229991338 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"is-it-difficult-to-port-a-mortgage\" class=\"c-faqs__question\">Is it difficult to port a mortgage?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW122348215 BCX0\">Not usually, provided your circumstances <\/span><span class=\"NormalTextRun SCXW122348215 BCX0\">haven\u2019t<\/span><span class=\"NormalTextRun SCXW122348215 BCX0\"> changed much and your new home meets your lender\u2019s criteria. The main hurdles tend to be affordability checks and the valuation of the new property.<\/span><\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>* Your home may be repossessed if you do not keep up repayments on your mortgage. The information contained in this content is for general information purposes only and does not constitute financial, mortgage or legal advice. Mortgage products and lending criteria vary between lenders and will depend on your individual circumstances. You should consider obtaining independent financial advice before making any financial decisions.<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying your first home and moving to your next one don\u2019t follow the same mortgage process. When you\u2019re already a homeowner, you\u2019ll likely have a mortgage in place before you start viewing future homes. So, there\u2019s one big question to answer early on: what happens to your mortgage when you move?&nbsp; Some homeowners assume they [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4483,"parent":2515,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[9895]},"class_list":["post-4481","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9895"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Porting your mortgage and moving home - Rightmove<\/title>\n<meta name=\"description\" content=\"How does porting a mortgage work? 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