Yes, you can remortgage your property at any time with any lender you choose. If you do this within the initial term (e.g. in the first 2 years of a 2 year fixed term mortgage) then you’ll pay Early Redemption Charges. Most lenders charge these when you pay off a mortgage or change your lender within the initial term.

You can find details of your ERCs in your mortgage offer. Or, email our Customer Service team at [email protected] if you want to find out if you’ll need to pay this charge.