Porting - how to
Requesting information about your customer
If you need details of your customers existing mortgage, please call us on 0345 601 2744 to request this information.
Choosing the right product
If your customer is looking to port their existing mortgage balance only, select the Standard Variable Rate (SVR) on your Decision in Principle. This is to ensure no fees are charged. Once the application has been submitted we will revert the mortgage to the existing product.
Where your customer wishes to increase their mortgage balance, select the product they would like the additional lending on. The fee’s associated with this product will be payable.
If your customer is on a product with no early repayment charges and they choose not to port their existing product, the Redemption Administration Fee of £60 will be charged when redeeming their existing mortgage. This will not be treated as a porting request.
Submitting a Decision in Principle
To let us know you are submitting a Porting request, we need you to leave notes on the final section of the Decision in Principle. You’ll need to confirm the following:
Existing mortgage account number
Details of the porting request
Alternatively, give us a call once the case has been referred to our Underwriting team.
Requesting an ESIS
Once your Decision in Principle has been approved, we will email to let you know.
You’ll need to request a European Standardised Information Sheet (ESIS) to illustrate the mortgage, reflecting the existing product being ported. The request form will be attached to your Decision in Principle approval email.
Please securely email this to us at firstname.lastname@example.org, we’ll process the request within 3-5 working days.
Completing your application
Once you have your approved Decision in Principle and ESIS, you can proceed to full mortgage application on the Online Intermediary Portal by selecting the proceed button.
Payment of fees
If you have chosen a new product for any new borrowing, alongside the porting request, any application fees associated to this will need to be paid by debit card on submission, this is non-refundable.
The completion fee can be paid at the same time if your customer chooses to pay it upfront.