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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 5 working days before any appointment you have with one of our Mortgage Advisers, or if you are using our Online service. The Online service means that you 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: If you have a remaining mortgage balance of less than £25,000, you are unable to change your deal.

Fixed rate and Tracker mortgages

If you're within the last 3.5 months of your current deal and you want to renew with us, you will be eligible to overpay by up to 30% of your outstanding balance. If you are on a Fixed rate or Tracker deal, you can overpay up to 10% of your remaining balance per annum. 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 call us.

If you do want to make an overpayment of less than 10%, then use our overpayment calculator (opens in a new window) to find out if this is the right option for you - making an overpayment could result in a better deal.

You can check your current term, as well as how long you have left on any deals, by logging in to Manage Your Mortgage (opens in a new window).

You will also need your mortgage account number to log in with.

Standard Variable rate mortgages

If you currently have a Standard Variable mortgage there is no limit to how much you can overpay by. Use our overpayment calculator (opens in a new window) to work out how much you want to pay, then you can call us to make a payment.

Other useful information

Please allow 5 working days for your overpayment to be applied to your mortgage and reflect in your Loan to Value figure.

Call 0345 30 20 190
Minicom number 0800 917 0526
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

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