Frequently Asked Questions

I am looking to move house but I am still in my fixed rate – can I move my mortgage?

If you are still in a fixed rate and you are looking to move home you have 2 options available

• Option 1 – You can transfer (this is sometimes called porting) your mortgage rate from your current property to your new property. If you buy and sell your property on the same day you will not be charged any early repayment charges. If you are not buying and selling on the same day you will incur an early repayment charge which will be refunded provided you are able to move and transfer the rate to your new property within 6 months.

• Option 2 – If you don’t want to move your current mortgage to your new property you can pay the early repayment charge that applies to the current mortgage at the point you sell your existing property. You can then make a new application for a brand new mortgage for your new property.

To find out the best option for you give our mortgage team a call on 0800 022 4313 we're here Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm.


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