Move home and keep your existing Nationwide mortgage

You can keep your current Nationwide mortgage and its interest rate and any related features when you move home. This is called porting.

Port your mortgage

If you’re a Nationwide mortgage customer, you could:

  • Move all or part of your mortgage, or
  • Move your mortgage and borrow more if needed. Borrowing more requires you to take an additional mortgage at a rate available when you apply.

Being eligible to port your mortgage

  • Not all mortgages can be ported. Check your original mortgage offer, or contact us and we can check if porting is an option for you.

If you have one of our Later Life mortgages, you'll need to call us on 0800 464 0813. (Monday to Friday, 8am to 6pm. Saturday 8:30am to 4pm. Closed Sundays and bank holidays).

Things to consider before porting

When porting your existing Nationwide mortgage deal, an Early Repayment Charge (ERC) may apply when:

  • you're only porting part of your mortgage
  • there's a delay between the sale of your existing property and the purchase of your new one.

Find out more about Early Repayment Charges

How to get a Decision in Principle and apply

You’ll need to get a Decision in Principle (DIP) first as part of your application to port your mortgage, this confirms what we’d be prepared to lend to you.

We will perform a soft credit check as part of the DIP process. Soft credit checks do not affect your credit rating.

Ways to apply

Note: It's not currently possible to apply online.

Over the phone

Call to book an appointment with a Mortgage Consultant. They will be able to talk you through your options and make recommendations based on your individual needs.

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

03457 30 20 10

In branch

While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice.

Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.