Your Next Move, Made Simple

Should You Port Your Mortgage?

Porting means taking your existing mortgage deal to your new property. This can be advantageous if you're in the middle of a fixed rate and want to avoid early repayment charges.

However, porting isn't always possible or optimal. If your new property costs more, you'll need to top up — and that top-up will be at current rates. We'll compare both scenarios and recommend the best approach.

• Check if your current deal is portable (most fixed rates are)
• Calculate early repayment charges vs benefit of porting
• Compare the blended rate of porting + top-up vs a full new deal
• Consider whether a new lender offers a better overall package

How a Moving Home Mortgage Works

Whether you're upsizing, downsizing or relocating, the mortgage process when moving home follows familiar steps — with some important differences from a first purchase.

If you're in a chain, timing is critical. We'll co-ordinate your mortgage application with your expected exchange date to ensure your offer is in place when you need it.