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Can I pay more to my mortgage before I do a rate change because I want a better deal?

Yes - you just need to make your overpayment at least 3 working days before any appointment with one of our Mortgage Advisers, or using our online service, Manage my Mortgage, to switch to a new deal.

Not only can you use the online service to get a personalised quote, you can also decide to self serve and choose the mortgage yourself, without any advice or assistance from us. You should only use this service if you are confident you are able to choose the right mortgage for your circumstances.

Please note: Our new deals may be subject to you having a minimum loan amount available to switch.

Fixed rate and Tracker mortgages (excluding Lifetime Tracker)
If you are on a Fixed rate or Tracker deal you can usually overpay up to 10% of your remaining balance per annum. Approximately 3.5 months before your current deal ends and you want to renew with us, you can repay up to 30% of your outstanding balance. Outside of this period, if you overpay more than 10% of your outstanding balance in any one year, it could result in an Early Repayment Charge. If you are considering paying more than 10% in a year, then please contact our Mortgage Team via online chat on our Manage your mortgage page, who will be happy to help you.

Standard Variable rate mortgages
If you currently have a Standard Variable mortgage (or Lifetime Tracker mortgage) there is no limit to how much you can overpay by. Use our overpayment calculator to work out how much you want to pay, then contact us to make a payment.

Other useful information
Please allow 3 working days for your overpayment to be applied to your mortgage and reflect in your Loan to Value figure.

To check your current term, as well as how long you have left on any deal, simply log in to Manage my Mortgage. To log in you'll need your mortgage account number, surname, date of birth and mortgaged property's postcode. You can find your mortgage account number on your most recent mortgage statement, in the 'Account summary' section in online and mobile banking or on your mortgage offer documentation.

If you’re thinking of making an overpayment then use our overpayment calculator to find out if this is the right option for you - making an overpayment could result in a better deal. To make an overpayment, log in to Manage my Mortgage and select the ‘My payments and services’ menu.

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