Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
At ABC Mortgages, we make moving home as easy as ABC. If you’re thinking about moving but you’re happy with your current mortgage deal, porting a mortgage could be a great option.
Porting allows you to take your existing mortgage rate with you to a new property, rather than ending your deal early and starting again from scratch. Our advisers in Sittingbourne and across Kent are here to guide you through the process and help you decide whether porting is the right move for you.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
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Last Updated: 2nd December 2025
Porting a mortgage simply means transferring your existing mortgage deal from your current property to a new one.
You’re not physically moving the same loan – instead, you’re ending your current mortgage on the old property and starting a new one on the new property on the same product terms, subject to the lender’s approval.
Key points:
You keep your existing interest rate and deal (for example, a fixed or tracker rate).
You still need to reapply and pass normal affordability and credit checks.
Not all mortgages are portable, and porting is never guaranteed.
Porting can be especially useful if your current rate is competitive and you’d like to avoid early repayment charges by staying with the same lender.
Although every lender is different, porting usually follows a similar process:
Find your new property – You’ll agree a price (usually subject to mortgage approval) and instruct your broker or lender that you want to explore porting your existing deal.
Affordability and credit checks – Your lender will reassess your situation as if you are applying for a new mortgage – they’ll look at your income, outgoings, credit history, and the new property itself.
Lender confirms if you can port– If your mortgage is portable and you meet the criteria, the lender will confirm how much of your existing deal can be transferred.
Arranging extra borrowing (if needed) – If the new property is more expensive and you need to borrow more, the extra borrowing is usually placed on a top-up mortgage, often at a different rate and possibly a different term.
Completion on your new home – Your old mortgage is redeemed when you sell your current property, and your new mortgage (including any top-up) starts on the new property.
At ABC Mortgages, we’ll coordinate with your lender, explain each step, and help you decide whether porting or taking a brand new deal offers better value.
Homeowners choose to port a mortgage for a number of reasons:
To avoid early repayment charges (ERCs) – Many fixed-rate mortgages have penalties if you leave early. Porting helps you keep the deal and avoid paying those charges.
To stay with a lender you trust – If you’re happy with your lender and your current product, porting lets you maintain that relationship.
To move mid-deal – If you still have time left on your fixed or tracker rate, porting can help you move without losing the benefits of that deal.
Top Tip: Porting can be a smart choice if your current interest rate is lower than the rates currently available on the market.
Porting isn’t always straightforward, and it’s not guaranteed. Before deciding to port, it’s important to understand:
At ABC Mortgages, we’ll help you compare porting against other options – such as remortgaging with a new lender – so you can see which route is most cost-effective overall.
Keep your existing interest rate (especially useful if it’s low)
Avoid or reduce early repayment charges
May be simpler than completely changing lender mid-deal
Can be a quicker route if your lender is cooperative
Approval not guaranteed – you still need to meet current criteria
Extra borrowing can be more expensive
You may be tied to your existing lender’s products
Less flexibility than completely remortgaging in some cases
Our role at ABC Mortgages is to lay all of this out clearly, so you understand both the benefits and the drawbacks before making a decision.
Life changes – and lenders know that. If your situation has changed since you first took out your mortgage, porting may still be possible, but it depends on the details.
Examples of changes lenders will look at:
You’ve become self-employed
Your income has reduced or outgoings have increased
You’ve taken on new credit commitments
You’ve had missed payments or credit issues
You’re now on maternity or paternity leave
Some lenders take a more flexible view than others.
At ABC Mortgages, we can review your circumstances and speak to potential lenders before you commit to a purchase, giving you a realistic idea of whether porting is likely to be approved.
Deciding whether to port your mortgage or remortgage to a new deal depends on your rates, fees, and future plans.
Porting may be better if:
Your current rate is significantly lower than current market rates
You’d face high early repayment charges for leaving your deal
You’re comfortable staying with your existing lender
Remortgaging may be better if:
Market rates have fallen since you took your deal
Your lender’s porting criteria are strict or your application is borderline
You want a different mortgage type, flexibility, or lender features
Our advisers at ABC Mortgages will run the numbers for you – comparing porting with switching lenders – so you can see which option leaves you better off.
At ABC Mortgages, we’re here to make moving – and decision-making – easier.
Homeowners across Sittingbourne and Kent choose us because:
We’re local experts, supporting clients in Gillingham, Rainham, Faversham, Chatham, Maidstone, Canterbury, Ashford, Medway and beyond.
We offer clear, honest, jargon-free advice, tailored to your situation.
We support you from start to finish – from exploring affordability to completing your move.
We’re used to dealing with complex cases, including self-employed clients, those with credit blips, and unusual properties.
Top Tip: Speak to a broker before you put an offer in on your new home – that way, you’ll know exactly where you stand with porting and what your options are.
No. Not every mortgage product is portable. Your mortgage offer or lender can confirm whether your current deal allows porting.
Yes. Porting is an option offered by your existing lender. If you switch to a new lender, that would be a remortgage instead.
It may still be possible, but your lender will reassess your credit. If your situation has changed significantly, porting can be more difficult. A broker can help you explore all options.
Porting follows a similar timeline to a standard mortgage application. It depends on the lender, your circumstances, and how quickly all documents and valuations are completed.
Any additional borrowing is usually placed on a separate product – often at a different rate – and combined with your existing deal to complete the purchase.
Often yes, but the new property must meet your lender’s criteria in terms of value, type, and condition.
At ABC Mortgages, we’ll explain the pros and cons of porting a mortgage, compare it with other options, and guide you through the process from start to finish. Our goal is to make your next move as smooth and stress-free as possible.
Get in touch today for expert, friendly mortgage advice – and make moving home as easy as ABC.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.