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If you’ve decided to move home, you might be able to take your product rate with you to a mortgage on your new property. This is called ‘porting’.
Can I port my product rate if I’ve sold my house but I’m not quite ready to buy another?
If you’re selling your home before buying a different property, you’ll need to repay your existing mortgage. This means you will have to pay any early repayment charges that apply. However, if you apply for a new mortgage with us soon afterwards you may be able to port your old product rate with you to your new mortgage.
Once your new mortgage has started, you can contact us for a refund of the early repayment charge. This is a concession and it may not always be available. Please call us on 0345 850 3705 before you sell your property and we can tell you if this is possible.