If you've decided to move your mortgage to another lender, your solicitor will begin the redemption process and request the necessary paperwork. 

Please check before moving your mortgage if there's an Early Repayment Charge (ERC) or redemption fee. Please check our Tariff of Charges for full details.

You don’t need to do anything, as we’ll continue to collect your Direct Debit as normal. Please do not cancel any payment arrangement - we’ll cancel this following confirmation of the settlement of your mortgage account. Any overpayments will be refunded to you within 10 working days. If your Direct Debit isn’t collected for any reason, there may be a shortfall on your mortgage account. If this happens we’ll contact you.

If you pay by Standing Order, please cancel this arrangement with your bank or building society after your mortgage has been redeemed.

If you pay for Mortgage Payment Protection Insurance with your mortgage payments we'll cancel this for you when you pay off your mortgage in full. You should check any further policies you have with your mortgage and their cancellation procedures.

You can find out how much is outstanding on your mortgage by requesting a redemption statement. To do this either send us a secure message using the Internet Bank, call us on 0800 30 20 11 or visit us in branch.

The figure quoted on the redemption statement is only valid for the date stated. If the cleared payment is received after this date additional interest will be due leading to a possible shortfall. The figure will also not include any Direct Debits taken within the last 4 working days, or any Direct Debit payments that are yet to be taken.

Once you've received your quote you can make a payment using the Internet Bank (£100,000 limit), a single payment/CHAPS payment, by visiting us in branch or by cheque.

Cash/cheque paid in at a Nationwide branch (branch finder).

Cheques must be made payable to Nationwide Building Society and sent to:

Nationwide Building Society,

Mortgage Servicing,

Kings Park Road,

Moulton Park,

Northampton,

NN3 6NW

Please write the borrower(s) name and mortgage account number on the back of the cheque, and include a covering letter to let us know that you wish to repay the mortgage in full.

You can find out your current mortgage balance using the Internet Bank, calling us on 0800 30 20 11 or by visiting us in branch. The amount you'll see online doesn't include any accrued interest that hasn’t been debited from your mortgage or any applicable Early Repayment Charges (ERCs).

If you want to know the amount needed to pay off your mortgage, you need to request a redemption statement. The figure quoted on your redemption statement is only valid for the date stated. If we receive your payment after this date you'll be charged additional interest, which could lead to a shortfall. The figure will also include any Direct Debits which have been taken within the last 4 working days, or are due to be taken within the next 4 working days. If for any reason your Direct Debit is rejected, there will be a shortfall of that amount, which will need to be paid.

You can request a redemption statement by sending us a secure message using the Internet Bank, calling us on 0800 30 20 11 or by visiting us in branch.

The figure quoted on your redemption statement is only valid for the date stated. If we receive your payment after this date you'll be charged additional interest, which could lead to a shortfall. The figure will also include any Direct Debits which have been taken within the last 4 working days, or are due to be taken within the next 4 working days. If for any reason your Direct Debit is rejected, there will be a shortfall of that amount, which will need to be paid.

If you live in England or Wales the title deeds for most properties are held electronically at Land Registry. However, if we hold your deeds we'll send them to you once your mortgage has been fully paid off and closed.

If you live in Scotland and you have paper deeds, you'll need to instruct your solicitor to remove the charge at the Land Registry of Scotland, for which a fee will be applicable.

If you live in Northern Ireland your paper deeds will be sent recorded post to your home address or a Nationwide branch, depending on your instruction.

If you've paid more than the amount needed to pay off the mortgage, we'll refund the overpaid amount as soon as possible. Surplus payments are refunded either electronically to the bank account your mortgage payments were previously collected from, or by cheque once the surplus payment has cleared.

If a solicitor is dealing with the closure of your account and a cheque is issued, this will be sent to your solicitor.

If you're porting and you've paid an Early Repayment Charge and/or a redemption fee due to a delay between the sale of your existing property and the purchase of your new one, we'll refund these if applicable when the port is completed onto your new property. Any refund due will be sent to your solicitor, unless you tell us otherwise.

Once you've sent us your payment it's important that you let us know as this will help us process the closure of your mortgage as soon as possible. Once the mortgage is closed, no further interest will be charged. You can let us now by:

• Sending us a secure message using the Internet Bank
• Calling us on 0800 30 20 11
• Visiting us in branch
• Sending us a covering letter with your cheque

If you're a solicitor and would like more information on the redemption process, please visit our ‘Information for Lawyers’ page.

If you have an interest-only mortgage, we'll contact you 5 months before the end of your mortgage term to make sure your repayment plans are still on track to pay the outstanding loan amount. If you're concerned that you won’t be able to pay off the interest-only amount at the end of your term, call us on 0800 464 3101 (Monday to Friday, 9am-5pm) as soon as possible and we can discuss the options available to you.