Repaying your loan

You can repay your equity loan at any time by either:

• Selling the property and paying back the loan (you can sell your home on the open market).
• Raising funding (eg re-mortgaging) to cover the cost.

Most equity loans can only be repaid in full. The amount you pay back will be calculated on the current market value of your home, which will be assessed by an independent surveyor once you have submitted your application. For details on our panel of surveyors please download this PDF. You will also need to appoint a solicitor to act for you in this transaction.

It is very rare that you would be able to move your equity loan to another property, this can only happen in exceptional circumstances and also depends on the funding you received. Our Post Sales Services Team will be able to advice you on this. You can contact us by emailing postsales@moat.co.uk.

Our Homeowner's Handbook gives further information about redeeming your equity loan so please take a look at the relevant section before applying. Before you submit your application, you must ensure you have registered all improvements you have made with us, and obtained a valuation report. Once you are ready to apply, please log into your MyMoat account, to access the application. If you do not have a MyMoat account, it's easy to set one up; simply visit moat.co.uk/mymoat and click on ‘sign up’. Enter your email address, surname, date of birth and set up a password. You will be emailed a verification link which you will need to click to activate your account and you’re ready to go.

Please note that the information you enter to set up your MyMoat account must match the details we have for you on our system.