If you have 3 months or less remaining on your existing product you can prebook a product for when your current product expires without paying any early repayment charges.
If your current deal would revert to our Standard Variable Mortgage Rate or you are already on our Standard Variable Mortgage Rate, and you decide to switch to a new mortgage deal, this rate will not be available at the end of your new deal. Instead, your interest rate will automatically change to the Homeowner Variable Rate or Buy to Let Variable Rate.
If your existing mortgage is already on interest only, we’ll need details of any repayment plan(s) in place being used to repay the mortgage at the end of the term.
How to Apply
You can apply online, by phone or come into your local branch.
If you already know what product you want, you can apply online or over the phone without receiving advice, we call this ‘execution only’. If you chose to apply via execution only you will be responsible for your choice of mortgage product.
If you’re unsure what option is best for you or would just like to discuss your options one of our Mortgage Advisors, you can arrange an appointment over the phone or at a local branch. Our Mortgage Advisors will fully review your individual needs and circumstances and recommend a product that is right for you.
If you know what you want...
If you need support from a Mortgage Advisor...
Apply Online or by phone
Apply by phone or at your local branch
If you know which product you want and don’t require advice from one of our Mortgage Advisors
If your mortgage is a Buy to Let and you already know which product you want
If your mortgage deal is ending within 3 months or you are already on one of our variable rates
You have a UK correspondence address
If you or your family are living in the property
If none of your loans have less than 2 years left on their term