How to Port Your Mortgage When Moving to a New Home in 2025
If you’re moving home but want to keep your existing mortgage, porting could be a smart option.
What is Mortgage Porting?
Porting means transferring your current mortgage to a new property.
✅ Keeps your existing interest rate
✅ Avoids early repayment charges
✅ No need for a new mortgage application
How to Port Your Mortgage
- Check if your mortgage allows porting.
- Apply for the same or a larger mortgage.
- Pass a lender’s affordability check.
- Complete the sale & move your mortgage to the new property.
💡 Tip: If rates are lower in 2025, compare deals before deciding to port or remortgage!