Repaying your mortgage in full
You can repay your mortgage in full at any time, as long as you also pay any Early Repayment Charges that apply.
How can I repay my mortgage in full?
To find out the total amount you need to repay to close your mortgage, you can request a redemption statement online. We’ll usually post it to you within 7 to 10 days of your request.
You can also call us to ask for a redemption statement on 0345 603 1637. We will ask you the date that you want to repay your mortgage so we can give you an exact figure that includes all costs and charges up to that date. Our lines are open Monday to Friday 8am until 8pm, and 9am until 4pm on Saturdays. We’re closed on Sundays and Bank Holidays.
If you request a redemption statement we recommend you do not make any payment before the date on the statement as this could incur a charge.
You don't need to use a conveyancer to repay your mortgage if your property is in England, Wales or Northern Ireland as we will make arrangements to remove our charge at the Land Registry.
If your property is in Scotland, you will need to instruct a solicitor to prepare discharge documents for the Registers of Scotland, which will enable us to remove our charge. If you are already using a conveyancer, perhaps because you are moving house, they will usually ask us for the amount needed to repay your mortgage and will deal with repaying it.