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  • I had the same, so I currently have about 2.5yrs left on one mortgage, and 5 years on the other. Both with First Direct.
    If the timescales end up sorting themselves out then I'll combine them.

    I think you can remortgage a bit early often too (if staying with the same provider) - if memory serves then there was a few months leeway - so it may be I can gradually bring them in line and end up with a single mortgage in one place.

    But the early redemption cost was a few thousand so it was worth staying.

  • If you really want to consolidate them then try ringing FD and asking. I'm sure they'd allow you to lump the two together combining them on the longer term of the two. Whether you'd want to lose the flexibility is another matter.

  • It's not a huge faff tbh, I think one rate is 1.89 and the other 1.84 and they both come out of the same account on the same day. I'll ignore it for 2.5 years and then see where things are.
    But it was fairly painless getting the two in place (barring Covid meaning a number of phonecalls getting my initial offer and porting gaps extended as the sale dragged on for 9 months)

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