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O2 refresh and cpw upgrade

Pepper544
Level 1: Joiner
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Hello, quick question. I have a couple of months left on my 02 contract. Can I pay of my refresh tarrif/balance of my phone and upgrade through 3rd party company like carphone warehouse or mobile.co.uk? Or would I have to wait till the end of my 2 year contract to upgrade outside of o2?

I'm staying with o2 and same number, just looking to upgrade to HTC 10 that o2 don't stock.
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Pepper544
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Thank you
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jonsie
Level 94: Supreme
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Pay off the handset and just give 30 days notice for the air time.

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