Repaying my mortgage
If you're thinking about repaying all or part of your existing mortgage, you may have some questions about how this works. Have a look through the information below which should help with some of the key questions.
If you can't find what you are looking for or have specific questions about your mortgage, please get in touch on 0800 121 8899.
Please remember that additional payments are subject to your existing mortgage terms and conditions which may include Early Repayment Charges (ERCs)*.
*An ERC is a fee that may apply if you repay your mortgage balance in full, whilst in your initial period. You may also be charged ERCs if you overpay more than your mortgage allows. You can check the ERCs that may apply to your mortgage in your illustration.
If you pay extra towards your mortgage, the amount you pay will determine whether it’s treated as a capital repayment or an overpayment.
There may be a fee if your mortgage is subject to an early repayment charge. Your original mortgage offer and your annual mortgage statement will tell you if this is the case.
Please remember that additional payments are subject to your existing mortgage terms and conditions which may include Early Repayment Charges.
If you plan to redeem your mortgage, please call us on 0800 121 8899 or visit your local branch for a redemption statement, which will give you a more accurate indication of what the total cost of paying back your mortgage will be.
You’ll need to check your mortgage terms and conditions to see if your mortgage allows for payment holidays. Payment holidays are only available on certain mortgages.
If you need to update your payment details, including changing the date or amount of the payment or changing the account you use to pay a direct debit, you'll need to get in touch.
We all go through changes in our lives that can sometimes lead to financial struggles. If you’re having trouble paying your mortgage, or you think you may face difficulty in the future, it’s important to let us know as soon as you can ‐ there are things we may be able to do to help.
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Saturday
Sunday
9am - 2pm
Closed
Closed
Yesterday, people waited on average
19 seconds for savings enquiries
6 seconds for mortgage enquiries
