Porting
Last checked UK · illustrative onlyNot a lender or brokerAboutDisclaimer
RLPublished by Rodway Labs — not a mortgage adviser
Published
Taking an existing mortgage deal to a new property, if the lender agrees, instead of redeeming it and starting again.
Porting is not automatic. The lender reassesses you and the new property. If the new loan is smaller, an ERC may still apply to the repaid part. If it is larger, the extra is a further borrowing on that lender’s terms.
This site does not model porting. Use the ERC estimator for the part you might repay.
Definitions are plain English for this site, not the wording in your offer. Last checked 29 September 2026.
Related
Calculators and articles on Remortgage Lab are illustrative and not personalised financial advice. Always check current lender terms and, where appropriate, speak to an FCA-authorised adviser. England & Northern Ireland focus where tax rules are cited; Scotland and Wales differ.