housing

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 …


Consolidating debts

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


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.


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