By James Evans, Director, TouchPoint Mortgages.
If you’re moving home and currently on a great mortgage deal, you might be wondering — can I take my mortgage with me? The answer might be yes, thanks to porting.
Porting your mortgage allows you to transfer your existing deal to a new property — avoiding high rates and early repayment charges. But is it always the right move?
Here’s everything you need to know about how porting your mortgage works, when it’s a good idea, and how a local mortgage expert in Littlehampton or Rustington can help guide you.
When you port your mortgage, you’re taking your current deal with you to a new property — keeping the:
Lender
Interest rate
End date of your fixed/tracker term
Terms and conditions
You’ll still need to go through an affordability check, and in some cases, a top-up loan may be needed if the new property costs more.
🧭 Speak to your mortgage advisor in Littlehampton or Rustington for help navigating your options.
Porting your mortgage might be a smart move if:
You’re still within a fixed or tracker rate
You want to avoid early repayment charges (ERCs)
Your existing deal is better than current market rates
You want to avoid legal costs and starting from scratch
It can be especially useful if you locked in a low rate before interest rates rose.
While porting sounds ideal, there are a few potential downsides:
You might not pass the lender’s affordability checks again
You may need to borrow more at a higher rate
Your lender may not offer porting for certain types of mortgages
It could limit your flexibility compared to switching deals
🔄 In some cases, a remortgage to a new lender could offer better long-term value, even if you pay an ERC upfront.
Yes — but the extra borrowing will usually be on a separate rate or deal. For example:
£120,000 from your current mortgage (ported)
£50,000 extra borrowing on a new rate (top-up loan)
Your mortgage advisor will compare whether that combination works out better than switching the full amount to a new lender.
🏡 Planning to upsize? Visit our Homemovers page for guidance on moving home with a mortgage.
Speak to a mortgage advisor – get advice on whether porting is the best option
Get a Decision in Principle from your existing lender
Make an offer on your new home
Submit a porting application and complete any additional borrowing paperwork
Get lender approval and your final mortgage offer
Complete the legal process and move into your new home
📍 We help clients throughout Littlehampton, Rustington, and the wider West Sussex area port their mortgage smoothly. Start with a quick chat: TouchPoint Mortgages
Porting your mortgage can be a brilliant way to hold onto a great deal — but it’s not always the cheapest or easiest route.
At TouchPoint Mortgages, we’ll look at your full picture: current rate, equity, affordability, and long-term plans. Then we’ll help you decide whether to port, remortgage, or explore something more flexible.
👉 Moving home? Start with our Homemovers guide
👉 Thinking of staying put? Check our Remortgages section
👉 Need advice? Speak to a mortgage advisor in Littlehampton or Rustington
Send your message and we will be in touch, alternatively you can book an appointment to chat to one of our team.
