Flexibility as standard

Flexibility matters

We get it. Fixing your rate for 7-40 years is a long time. You don’t know how your life will look in that time. And that’s why we’ve made sure our mortgage product comes with flexibility as standard.

We want to make sure our mortgage can fit around your life. If you decide to move home, you can take your mortgage with you, no problem. And if rates come down and you’d like to change your deal, or make overpayments, that’s absolutely fine. You can do so without charge after five years on our fixed for life product.

Our 7–15 year fixed-rate mortgages have a flexible early repayment charge (ERC). There is no ERC if you move home or sell your house. Or if you repay the mortgage in full using your own funds. You can also make extra payments of up to 10% per year without a charge. The ERC only applies during the fixed-rate period and only if you refinance, take a new product with us or another lender, or pay more than 10% extra.