You might be able to avoid an early repayment charge by taking your mortgage with you.
Overlay
Porting a mortgage
Moving Home? Take your mortgage deal with you
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Porting is taking your mortgage deal with you to a new home
To port your mortgage you’ll need an appointment with one of our mortgage advisers. They will complete the application with you and help you through the process.
Porting
Taking your mortgage with you might be the right choice as:
- It allows you to keep your current interest rate and features which may be lower than the new rates currently available.
- There may not be an Early Repayment Charge (ERC) to pay as you're not ending your current deal early.
- You can still reduce or increase the amount of the mortgage. Any additional borrowing would be on current rates available and will involve affordability checks.
Information Message
Start a new mortgage
A new mortgage might be the right choice for you if:
- Your mortgage rate is higher than those currently available and you're happy to pay the Early Repayment Change (ERC) to change to a new rate.
- You're on Standard Variable Rate (SVR) so there would be no Early Repayment Charge.
Information Message
Make changes to your current mortgage
Existing customers:
- If you're not moving home you can still make changes to your current mortgage with us.
- Visit our "Manage your mortgage" online page to find out how to make changes like switching your mortgage deal or borrowing more
Information Message
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
Contact our Mortgage Team
Lines are open:
8am - 6pm (Mon - Fri)
9am - 4pm (Sat)
Closed (Sun)
Except bank holidays.