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You can ask for an advised mortgage with your bank, that way you'll chat with a financial adviser who will be able to choose the right mortgage with the products they have, you may find that the only flexible product with no ERC would be the standard rate. Another option would be to get a long term mortgage that is 'Portable', so you could sell your flat and move that mortgage with preferential rate to a house, if that makes sense. Just an idea.
Bernhard
Interesting. This is with Bank of Ireland. I don’t want to sign another long term as I’m sick of this flat and want to move to a house. So I need something flexible. Can they put me on a tracker with a less bonkers rate?