Changing your mortgage

Payment breaks

Some lenders may agree to a payment break at times when you need extra cash, such as if you have suffered an unexpected drop in income or you are in danger of going into arrears. If you take a payment break, …

Extending the term

If you are experiencing difficulties making your mortgage repayments, your lender may be willing to extend the term of your mortgage. This would reduce the amount you pay back every month. But as the term of your mortgage will be …

Paying extra

If you have a variable-rate mortgage, you can reduce your mortgage (without any penalties) in a couple of ways. However, if you have a fixed rate mortgage, you may be charged a penalty if you want to pay extra money off your mortgage.


Mortgage top-up

If you are thinking about topping up your mortgage in order to consolidate other debts, read our information on consolidating debts into your mortgage. If you have  in your home, you may be able to increase your existing mortgage to do work …

Consolidating debts

Debt consolidation means putting all your outstanding loans into one loan.

Switching from a sub-prime mortgage

If you have a subprime mortgage you are probably paying a higher rate of interest than you would with most other lenders. If your mortgage is 80% or less than the current valuation of your home, you may be able to switch to a …

Trading up or trading down

Take a look at our information for if you are trading up or trading down.

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