Move home
Keep your Clydesdale mortgage and move home, with our experts by your side
Get startedAll applications are subject to meeting our lending criteria
If you’re not with us already, visit Nationwide Link opens in a new window or their buy-to-let experts The Mortgage Works. Link opens in a new window
Moving home with your mortgage
Looking for more space, downsizing, or just fancy something new?
You can apply to take your mortgage with you, which is sometimes called ‘porting’.
- Options to suit you
- Borrow more, find a new rate, or transfer your current deal
- Less stress
- No need to wait until your fixed deal has ended or change lenders
- Expert advice
- Our mortgage advisors will give you all the help and guidance you need
How to apply:
- Get an agreement in principle
- to check how much more you can borrow
- Call us
- to book an appointment with a mortgage advisor
- Choose a loan
- with our team's expert help and advice
Get started
Get an idea of how much you can borrow with an agreement in principle. It only takes a few minutes and won't affect your credit score.
Get an agreement in principleDon’t risk losing your home – keep up your mortgage payments
Mortgages are secured on your home. Applicants must be 18 or over. All loans are subject to status.
Let's talk
If you're ready to apply or need some help, get in touch
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Subject to lending policy, you may be able to take your current mortgage deal with you when you move home. This is referred to as ‘porting’. And you may be able to apply for additional borrowing at the same time, if required.
Need to borrow less for your new home? Where the full mortgage balance is not ported to the new property, the amount that the balance is reduced by will be subject to any applicable Early Repayment Charge.
Need to borrow more for your new home? You will be able to apply for a new mortgage product for the additional borrowing, from the product range available at that time.
Want a new product? You could take a new mortgage product for the entire loan for your new property. If the new loan completes within 6 months of repaying your existing loan, you will receive a refund of 50% of any applicable Early Repayment Charge.
Repaying your existing mortgage and starting your new one on different days? If the loan on the next property doesn’t start on the same day as you repay the loan on the current property, any applicable Early Repayment Charge is payable in full. But, if you complete the loan on the next property within 6 months, the Early Repayment Charge will be refunded. If there is a reduction in the balance, any applicable Early Repayment Charge will be payable on the difference.
You should always be prepared to include any applicable early repayment charge in the amount you need to repay your existing loan. You can get this information by requesting a redemption statement.
To find out the best option for you give our mortgage team a call on 0800 022 4313,
we're here Monday, Tuesday, Thursday and Friday 9am to 5pm.
Wednesday 9.45am to 5pm.
Customers who need to change the parties named on the mortgage when moving home
- Where the parties of the mortgage are changing, availability of the portable balance is evenly divided between the current named parties.
- Any additional funds can be applied for from our on-sale product range.
- If any party doesn't wish to port, they can still get up to a 50% share of the total Early Repayment Charge refund by using the ‘Moving your mortgage’ form Link opens in a new window on our useful forms page to allow the remaining party(ies) to port up to the full balance.
- Any Early Repayment Charge refund will be administered upon completion of the new loan agreement.
Yes, the level of fees will depend on what you choose to do with your current mortgage and what product you choose at your new property, you will also have to consider the solicitors fees that will apply should you decide to move home.
- If you choose to move your current mortgage to your new property you may have a valuation fee for the new property.
- If you choose not to move your current mortgage you may have an Product Fee and valuation fee depending on the mortgage product you choose. If you are currently in a fixed rate period on your existing mortgage you may also have early repayments charges to pay.