Can I sell before my fixed rate ends?

Yes, but you will usually pay an early repayment charge unless you can port the mortgage to another property.

Porting means taking the same rate to a new purchase. It works where the lender agrees and where the new property and your circumstances still meet their criteria, and it usually has to happen at the same time as the sale.

If you are selling because you want out, the charge is a cost of the decision rather than a reason not to make it. Work out the figure before you list.

Since 1 May 2026 selling with a tenant in place needs Ground 1A: four months’ notice, not usable in the first twelve months, and no re-letting for twelve months after.