Porting your mortgage

Move home with your existing TSB mortgage deal

If you already have a mortgage with us you may be able to take your deal with you. This is often referred to as 'porting'.

If you took out your mortgage before 1st June 2010 and you're on the Standard Variable Mortgage Rate (SVR), or will move onto the 'SVR' when your current fixed mortgage term ends, you may be able to take your rate with you when you move home. To find out if you are eligible please check your last mortgage offer letter or speak to a TSB Mortgage Advisor. 

If you are moving home and are currently on the Homeowner Variable Rate (HVR), or Buy-to-Let Variable Rate (BTV) (or will move onto this when your fixed term ends) you will not be able to take this rate with you to a new mortgage.

Whatever happens, your Mortgage Advisor will spend time getting to understand your needs and circumstances and will recommend the most suitable mortgage for you.

We'll help you find a new mortgage deal that suits you

When you're moving home you have enough to think about, so let us take care of your mortgage so you can concentrate on other important matters.

What if I need to borrow a different amount when I move?

If you need a bigger mortgage amount

You could apply to borrow extra on the basis of our other mortgage deals available at that time.

If you need a smaller mortgage amount

You may have to pay part of the early repayment charge based on the difference between the two mortgages.

What if you don't need to apply for additional mortgage lending when you move?

If you are moving home and don't need to apply for any more lending you can apply to take your current mortgage deal with you.

As with any application for a new mortgage we'll need to be satisfied with the new property, that you can afford the mortgage repayments and that our lending policy criteria will be met.

When your current deal ends, your interest rate will switch to the variable rate that is detailed in the terms of your mortgage

Your mortgage will move onto the Standard Variable Mortgage Rate if you applied for a mortgage before 1 June 2010.

If you applied for a mortgage on or after 1 June 2010, your interest rate will switch to the Homeowner Variable Rate, or if you are a buy-to-let mortgage holder, the Buy-to-Let Variable Rate.