You'll have to pay early repayment charges if you want to change or cancel your fixed rate after its already started.
When you lock in a new fixed interest rate, it'll start automatically when your current one ends.
If you lock in a new rate, you can still switch to a different rate or cancel your switch without paying early repayment charges until 7 working days before your product switch completes.
If you want to change rates after that point, an early repayment charge will be payable.
