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Mortgage Porting Calculator UK

Model an indicative monthly payment if part of an existing mortgage is kept and extra borrowing is added.

This calculator is for illustration only and provides estimates for general information. It is not mortgage advice, a mortgage offer, a decision in principle or a guarantee of rates, fees, eligibility or savings.

Porting payment calculator

Existing part
£—
Additional part
£—
Combined estimate
£—

This does not confirm that your lender will allow porting or that the additional borrowing will be available.

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Keep a copy of this estimate

Email yourself a PDF summary of the figures currently shown on this calculator.

Calculator results are estimates only. Actual rates, fees, eligibility and products depend on your circumstances and lender criteria.

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What to check before porting

Porting is usually a new application with the same lender. The lender may reassess affordability, property acceptability and credit profile, and the additional borrowing may be priced on a different product.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently asked questions

Is mortgage porting guaranteed? +
No. Porting depends on lender criteria, affordability, the new property, your circumstances and the terms of your existing mortgage.
Will the extra borrowing use the same rate? +
Not usually. Additional borrowing is often arranged on a current product rate, which may differ from the existing mortgage rate.
Does this include early repayment charges? +
No. If part of the old mortgage is repaid rather than ported, a charge may apply depending on the product terms.

Suggested next steps

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Offset Mortgage Calculator GuideUnderstand how an offset mortgage could affect interest estimates when savings are linked to a mortgage balance.Fixed Rate Mortgage Calculator GuideEstimate monthly payments for a fixed-rate mortgage and compare the effect of term, balance and rate assumptions.Mortgage Rate Change Calculator GuideEstimate how a different mortgage rate could change monthly repayments on an existing or planned mortgage.

Calculator-led mortgage planning

UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.