Portability is a great idea in theory, and very unlikely to be applied to loans that already exist. Two concrete reasons. A mortgage is a contract, and its terms cannot be changed unilaterally after the fact. And the incentives point the wrong way: a lender holding a loan at an illustrative 2% has no reason to let the borrower drag that rate to a new property when paying it off would let the lender re-lend the money at an illustrative 5% to 7%. Nobody can promise where rates go, but whenever current rates sit above old ones, that spread is exactly why lenders resist portability. There is precedent for the logic, too. The U.S. largely eliminated free loan assumability after 1983 for the same reason, to stop cheap old financing from following borrowers around. So if a portable-mortgage policy ever gets adopted, the realistic version applies to future loans written with portability built into the contract, not to the low-rate loans people already hold. Worth watching, not worth planning your next purchase around. If you want to look at the assumable-loan options that actually exist today, we can review them on a Roadmap conversation.