We know that over time your circumstances change and if you'd like to move home then we'd like to help. In most cases if you're happy with your existing mortgage deal we can arrange it so that you take your current mortgage with you. This is known as 'Porting'. You can find out more about our porting policy below – if you have any questions our Mortgage Team will be happy to help.
Porting means taking your current mortgage product, and moving it to another mortgage with the same provider. For example if you have a 2 Year Fixed Rate Mortgage with The Cambridge and decide you want to move house, by porting your mortgage you can take the product with you to make up all or part of your new mortgage.
If you want to borrow more than your existing mortgage balance our Mortgage Advisers will be happy to discuss your needs and recommend a suitable product, from our current range, for the extra amount. Additional fees may apply.
If you are porting your mortgage and the amount of your new mortgage balance is less than your existing mortgage then you may need to pay an Early Repayment Charge on the difference between the existing balance and the new balance. Your Mortgage Adviser will be able to provide all the information you need.
You can check if your mortgage product is portable by looking in your Key Facts Illustration (KFI) document. This is the document you received when you first completed on your mortgage. Alternatively if you would prefer to contact us on 0345 601 3180 we would be happy to confirm for you.
Even if your mortgage product is portable, all requests will be subject to meeting our current lending criteria. Our Mortgage Advisers will be able to discuss this with you.
Although we only lend to new mortgage customers within the East of England, as an existing customer we would be happy to help you with your mortgage arrangements if you are moving outside of our lending area.
Let us help
If you're thinking about moving home then why not chat to our Mortgage Advisers who will be able to let you know your mortgage options.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE