What does porting a mortgage mean when you move home?
Taking existing loan terms to a new security, top-ups, and repayment charges buyers discuss with lenders in England and Wales.
Published: 18 Apr 2026 · Updated: 18 Apr 2026 · 9 min read
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Continuity with conditions
Porting may let you keep rate features while changing the property secured, subject to new underwriting.
Checklist themes
Qualifying property and valuation acceptance.
Additional borrowing priced on current deals.
Timelines aligning sale and purchase completions.
Document lender decisions so your conveyancer sees one coherent instruction set.
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Start from the address on [Property Search](/search). When you own or manage the home, [claim your Property Passport](/claim/start) and upload Documents with clear dates and sources. Browse more explainers in the [Property Guides library](/guides). This article is general information, not legal, tax, mortgage, or survey advice.
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