Can i ask, if you have moved from an interest only to repayment mortgage , how?

[auntilin]

I need to move my mortgage (long story) but a bit unsure of how to do this, is it straight forward? can I just find a new provider & mortgage?

In most cases you can just ask your mortgage provider to switch you over

My mortgage provider put some of my interest only onto a repayment. Didn't take long and no additional fees.

We can swap with our current lender to a new product but will have to go through the affordability checks

If it's about paying the mortgage down, can you just overpay monthly?

I contacted mine and asked how much extra was needed to convert. (A lot more than I expected!) so I pay this amount extra every month.

It means I've built up a pot of money I could dip into in an emergency but also am paying it off.

Changing lenders is different to switching from int only to repayment.

Call your lender and ask them. If you want to remortgage to a different lender, just be aware of early repayment charges if you're still tied in.

Just to add that if it's too much of a jump to go from interest only to repayments you can do it by increments - I think we went from a 50/50, 75/25 then 100% over the course of several remortgaging ocassions. Santander didn't charge two lots if arrangement fees for the different products. Probably not as unusual as you might imagine.

A word of warning
Your mortgage lender will be very keen to move you to a repayment mortgage, but it is unlikely thst they will let you swap back if you want or need to; in fact a request to move from repayment to interest only apparently triggers a 'financial difficulty' alert on your account (the advice given to me at Barclays).
As a pp suggested, if you may neec future flexibility, it may be better to make regular overpayments and stick with interest only.

Easy to do but VERY expensive
better to stay on the IO mortgage and set yourself a capital repayment plan