Changing your mortgage
Payment breaks
If you have been affected by COVID-19, you can view our COVID-19 hub for more information on your consumer rights. In certain circumstances you may be able to take a break from making your mortgage repayments if you have an …
Extending the term
If you have been affected by COVID-19, you can view our COVID-19 hub for more information on your consumer rights. If you are experiencing difficulties making your mortgage repayments, your lender may be willing to extend the term of your …
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 already have a mortgage you may be able to increase or top-up your mortgage to extend or improve your home, cover educational expenses or give a parental gift. Some mortgage lenders may allow you to use a mortgage …
Switching from a sub-prime mortgage
With a you are probably paying a higher rate of interest than you would with most other mortgage types but you may be able to switch mortgage providers and save money. If your mortgage is 80% or less than the …
Trading up or trading down
Take a look at our information for if you are trading up or trading down.
