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Moving home is an exciting step, but it can also feel like a lot to manage. We’re here to help you understand your options.
The first thing to check is whether your current mortgage is portable. At the West Brom, all our mortgages can be ported, which means you can take your mortgage deal with you to your new home. If your new home costs more, you might also be able to borrow more on top.
Alternatively, you could choose to take out a new mortgage deal. The best option for you, will depend on your plans, where you’re at with your current mortgage deal and whether any fees or charges may apply.
Our moving home guide explains everything you need to know before you plan your move. Or, if you'd prefer, have a chat with our friendly mortgage advisers who’ll be happy to talk things through with you.
If you’re an existing West Brom mortgage customer and moving home, you can either port your mortgage to your new home or apply for a new mortgage. An Early Repayment Charge may apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our moving home mortgages are for homeowners looking to take out a new mortgage deal on their new home.
Compare rates and find out what your monthly payments might look like.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/07/2027, followed by 2.5% of amount repaid until 31/07/2028, followed by 1.5% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/07/2027, followed by 2.5% of amount repaid until 31/07/2028, followed by 1.5% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/07/2027, followed by 2.5% of amount repaid until 31/07/2028, followed by 1.5% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/07/2027, followed by 2.5% of amount repaid until 31/07/2028, followed by 1.5% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/07/2027, followed by 2.5% of amount repaid until 31/07/2028, followed by 1.5% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/07/2027, followed by 1.5% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/07/2027, followed by 4.5% of amount repaid until 31/07/2028, followed by 3.5% of amount repaid until 31/07/2029, followed by 2.5% of amount repaid until 31/07/2030, followed by 1.5% of amount repaid until 31/07/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £227,000 payable over 35 years initially on a fixed rate for two years at 5.46% and then on our current standard variable rate of 6.24% (variable) for the remaining 33 years would require an initial payment of £2,265.74, 25 monthly payments of £1,213.08 and 394 monthly payments of £1,326.63.
The total amount payable would be £555,353.41, made up of the loan amount plus interest (£328,228.41), and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.3% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
Moving home mortgages are for people who are moving home and want to take out a new mortgage deal.
You can compare our moving home mortgages using our mortgage finder.
If you decide to keep your existing mortgage deal, the mortgage is ‘ported’ across to your new home and means you keep the same interest rate and product features.
If you decide to apply for a new mortgage deal instead, your current mortgage is paid off, and the new one takes over as soon as you move into your new home.
Yes, most lenders allow you to move your mortgage to your new home. This is called porting your mortgage.
If your new home costs more, you can also apply for a new mortgage deal to cover the difference.
If you have a West Brom mortgage and you've decided to move home, find out how to port your mortgage.
Not always. If your mortgage is portable and you're not looking to increase the amount you borrow, you won't need a new mortgage deal. This is because you're able to take the exact same mortgage deal and move it to your new home.
If you need to borrow more, or want to find a better deal, you'll need to apply for a new mortgage. Early Repayment charges may apply.
Whether you have a question or are ready to take the first step, we're happy to help.
0345 241 3785schedule 8:30am to 6:00pm Monday to Friday
schedule 8:30am to 12:30pm on Saturday
You can also request a call back or visit us in branch.
