6 months before your residential mortgage deal is due to end we will send you a reminder letter advising you of your current home value, outstanding mortgage balance, remaining term and repayment type. This letter will also explain how you can view the range of mortgage deals available for you to choose from.
If your deal is due to end soon and you've not yet received this letter, or if you have a Buy to let mortgage, please book an appointment with a mortgage professional to discuss your options.
We can offer a clear and simple range of mortgage rates, many with no upfront fees.
To help you understand what deals might be available to you, it’s handy to know your loan to value (LTV). We’ll obtain an estimate of your property value using a House Price Index which will be used to calculate your new LTV. This will be shown in the letter you will have received and is worked out as a percentage of the current balance of your mortgage in relation to the value of your home.
As an existing customer, we already have your details and you won’t need to complete new credit or affordability checks provided you keep the same mortgage amount and repayment type.
Buy to let mortgage customers are not able to view and select new deals using our online self-service tool and instead need to book an appointment with a mortgage professional to discuss options.
If you simply want to choose a new rate and are confident to do this without our advice, you can view new deals and switch online using our self-service tool:
We’ll then send your new deal offer documents to you by email – no need to wait for the post.
If you’d like us to recommend the right deal for you or you’re looking to change your mortgage term or apply to borrow more:
Whether you're rolling off your current deal or are already on our Standard Variable Rate (SVR), we could have an option to suit your circumstances. You may also want to think about:
9am - 5pm (Mon - Fri)
Except bank holidays.
Closed (Sat and Sun)
