A. If you are within a special rate period and your offer states you can transfer your mortgage, you can take your mortgage product with you. If you are not within a special rate period you can apply for a house purchase mortgage. Both of these will be subject to the lending policy at the time of your request.

A. Yes, these products will continue to be offered to existing clients. This will be subject to the lending policy at the time of your request.

A. Yes. This will be subject to the lending policy at the time of your request.

A. Yes. You can drawdown your pre-agreed reserve if it is available on your mortgage. This will be subject to the lending policy at the time of your request.

A. Yes. You can borrow the built-up reserve at any time. This is subject to underwriting and the terms and conditions of your mortgage.

A. Yes, you can to make regular or lump sum overpayments. If this results in you paying off the special rate loan early, any early repayment charges incurred will be charged.

A. Yes, but remember that payment holidays cannot be taken in the first six months or last three years of your mortgage. No more than two payment holidays can be taken in the same calendar year. Payment holidays will be subject to the lending policy at the time of the request.