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Residential policy

Overpayments and/or lump sum payments are allowed in combination up to 10% of the mortgage balance during each year of the fixed rate product without incurring an early repayment charge. Fully flexible products allow unlimited overpayments / lump sum payments.


Customers can request to add a regular monthly overpayment amount to their monthly payment by contacting us. Following a product transfer or if the product is ported then the overpayment amount will be removed and will need to be set up again.

Lump sum payments

Lump sum payments can only be lodged once the first payment has been credited to the mortgage account.

It is important to note that your customer’s regular payment will not automatically reduce following a lump sum payment. They can request a payment reduction by contacting us.

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