Last edited by a moderator: 11 Feb 2019 Split from another thread - Flynn's mortgage has been sold to Pepper I’m in a slightly different situation in that my situation has improved to the point that I can clear my mortgage. I wanted to trade up but am hamstrung in that I can’t get another mortgage due to the current ICB rating with the warehoused portion of my mortgage. My fear was if I sold my current home and cleared the mortgage, the banks would not loan me the new larger sum to trade up. So I have been servicing my current mortgage as is and trying to save separately to buy a new larger home in the coming years. I have tried to deal with the bank before to clear the loan but got nowhere or either I didn’t go about the right way. Would I be better to approach PTSB again to look to clear my loan before they sale to pepper or approach pepper after the sale goes though. Thanks.