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Porting a mortgage

Moving Home? Take your mortgage deal with you

If you are an existing customer looking to move home, you may be able to avoid paying an early repayment charge by taking your mortgage with you.

On this page

What is porting? Open in new window
What are the benefits of porting? Open in new window
Things to consider when porting Open in new window
Not moving home? Open in new window
Contact our Mortgage Team Open in new window

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Two people with boxes on a set of stairs

What is porting?

Porting is where you are buying a new home and you transfer your existing mortgage to the new property.

Although this means you will keep the same rates and features, technically this will be a new mortgage, so you’ll need to complete an application and have an appointment with one of our mortgage advisers to help you through the process

What are the benefits of porting?

If you’re not sure if porting is right for you, the information below may help you decide between porting or taking out a new mortgage.

Porting

Porting your mortgage might be the right choice because:

  • It allows you to keep your current interest rate which may be lower than the new rates curently available.
  • There may not be an Early Repayment Charge (ERC) to pay as you are not breaking your current deal.
  • You can reduce or increase the amount of the mortgage. Any additional borrowing would be on current rates available and will involve affordability checks.
Information Message

New mortgage

A new mortgage might be the right choice for you if:

  • The mortgage rate you are on is higher than those currently available.
  • You're already on Standard Variable Rate (SVR) so there would be no Early Repayment Charge.
  • You're happy to pay the Early Repayment Charge to change to a new rate.
Information Message

Find out more about applying for a new mortgage Open in new window

Things to consider when porting a mortgage

If you are thinking about porting your mortgage, there are a couple of quick checks you can do before you contact our mortgage team to start your application. 

If you're ready to proceed? Contact our Mortgage Team Open in new window

Not moving home?

If you are not moving home but want to change your mortgage you could:

Switch your mortgage deal

Existing customers:

  • If your current RBS mortgage deal is ending or you’re on our Standard Variable Rate, you could switch to a better deal.
  • Visit our switching web page to find out more and get a personalised quote.
Information Message

Switch mortgage deal Open in new window

Remortgage to RBS

If your mortgage is with different Lender:

  • A remortgage is when you change the mortgage you currently have on your property, by moving it to a new lender. 
  • Visit our Re-mortgage page to find out more.
Information Message

Remortgage to RBS Open in new window

Contact our Mortgage Team

By calling us

Tel:

0800 096 9527

Relay UK:

18001 0800 096 9527 

Lines are open:

8am - 6pm (Mon - Fri)

9am - 4pm (Sat)

Closed (Sun)

Except bank holidays.