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Each repayment you make brings down your outstanding balance. If you have a variable rate mortgage, we don't charge fees for early repayments. However, fixed-rate mortgages have different rules.

With a 5-year fixed rate, you have a penalty-free overpayment allowance of up to 10% of your balance. This allowance resets on the first day of every calendar year. Exceeding it triggers an early repayment charge.

• Go to 'Mortgage'
• Tap 'Repay'
• Select 'Make partial repayment'

After making the payment, your loan balance will be updated in the app. You'll receive a revised schedule with updated instalment details. If you don't pay off the whole loan with an early payment, then that early payment won't skip your next scheduled repayment, but it can decrease accordingly.

For 5-year fixed rates, check your remaining penalty-free allowance in the app before making a partial repayment. This resets every January first. Any amount paid above this limit will incur an early repayment charge.

You can make a loan settlement if you want to pay off your entire loan early. The outstanding balance includes the remaining loan amount, plus any interest due since your last payment. If you've missed any payments, the overdue balance includes those amounts too, as well as late fees.

• Go to 'Mortgage'
• Select 'Pay off your loan in full'

If you are on a 5-year fixed rate, paying off your loan in full before the term ends will result in an early repayment charge. This fee will be shown in your settlement quote. You can view these fees in the Mortgage Loan Pricelist.