You could also be one of three lucky customers who’ll win our prize draw and have their mortgage paid off.
Or one of 100 customers who will win a £1,000 cash prize.
You’ll need to complete on a qualifying mortgage with us by 31st March 2019.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Use our mortgage calculator to view our current remortgage deals. You'll get an idea of how much you could borrow and compare monthly payments.
To start your application you can use our online Agreement in Principle service, even if you want to go on to complete your full mortgage application over the phone or in branch. There’s no obligation to apply for your mortgage with us and should you choose to proceed the same deals will be available no matter how you apply.
You can continue with your full application online if you don't need advice and you're happy to make your own choice about the most suitable mortgage for you. At the start of your application we'll ask some questions to confirm that you're eligible to proceed online.
Not got an Agreement in Principle with us yet?
You’ll need to apply for one as part of your full mortgage application.
You'll receive advice from one of our qualified mortgage advisers. They'll ask about your needs and circumstances and then recommend our most suitable mortgage for you.
Call us on 0345 850 3705
Mon to Fri 8am - 8pm and Sat 9am - 4pm.
Come into branch - you'll need to book an appointment beforehand.
We know how expensive it is to move home and even if you’re staying in the same home, it’s nice to have a little treat – on the house. That’s why we’re also offering £500 cashback to customers who complete on a qualifying mortgage with us.
Here’s what you need to know about our £500 cashback offer:
Once you’ve applied for your mortgage, remember to register for the draw by 31st January 2019.
Use our mortgage calculator to view our current remortgage deals.
You'll get an idea of how much you could borrow and compare monthly payments.
We'll only lend you a certain percentage of the property valuation. You may not need to pay a deposit and you may be able to borrow more than you currently owe. This will depend on the property valuation and how much you owe on your current mortgage, as well as how much we think you can afford to borrow.
We'll consider lending you money for different types of property in the UK. Any loan we make will be subject to a satisfactory property assessment.
While we'll consider many types of property, we've a responsibility to ensure that a property is suitable security for a mortgage. As a result, we'll not lend against properties where the valuation is below £40,000.
An Agreement in Principle, also known as a 'Decision in Principle' or 'Mortgage Promise', is useful if you want to know if you could remortgage to us. All we need is a few personal details about you and anyone else who will be named on the mortgage. Then we’ll contact a credit reference agency for a credit search and give you a credit score. If you reach our pass mark, we’ll confirm that we could offer you a mortgage (subject to you completing a full mortgage application).
A mortgage offer is issued by a lender once your mortgage application has been received and the necessary checks, such as the property valuation and confirmation of your details, have been carried out. It sets out the terms under which the lender is prepared to offer you a loan.
You can apply for an Agreement in Principle online, it takes about 15 mins. Simply use our mortgage calculator and you can can continue to apply online from there. There’s no fee and no obligation to apply for a mortgage with us.
Once you have an Agreement in Principle, you can go on to complete your full remortgage application. Even if you complete your Agreement in Principle online you can choose whether you want to apply for your mortgage in branch, over the phone or online.
Once you've got your Agreement in Principle, you can start your full mortgage application online, in branch or over the phone. The same deals will be available no matter how you apply.
If you apply over the phone or in branch, you'll receive advice from one of our qualified mortgage advisers. They'll ask about your needs and circumstances and then recommend our most suitable mortgage for you. They'll discuss the next steps in the application process and answer any queries you may have.
If you apply online, you’ll have to make your own choice about the most suitable mortgage for you. By applying online, you’re making the decision not to receive any advice from one of our qualified mortgage advisers. At the start of your application we'll ask some questions to confirm that you're eligible to proceed online.
If you start your application online, you can change your mind at any time and receive advice from one of our mortgage advisers in branch or over the phone.
We'll ask for the following details about you and anyone else who will be named on the mortgage:
We'll also need:
It can take about 4 to 8 weeks to complete a remortgage. However there are a number of steps involved and it all depends on how long each step takes, which can vary depending on your own personal circumstances.
You'll need to:
The conveyancer will:
On the day of completion, we'll:
Remortgages come with our Remortgage Service. We won't charge you for the property assessment and we'll pay our own legal fees - you must pay for any legal advice or additional services required. If you apply online you'll need to confirm you're happy to use this service. If you apply over the phone or in branch, if you do not wish to use our Remortgage Service and would prefer to instruct your own conveyancer to deal with your remortgage, you must arrange and pay for these services yourself.
It's a requirement of your mortgage to have buildings insurance. This covers the bricks and mortar, fixtures and fittings. It's also a good idea to take out contents insurance as well - this protects all your possessions in your home, from furniture to jewellery.
You may want to look into insurance to protect your mortgage for example Life Cover and Critical Illness Cover.
This will depend on the mortgage product, there may be a product fee to pay and early repayment charges if you repay early. Any product fees can be added on to your mortgage on completion. There could be other charges and standard costs which you may have to pay during the course of setting up your mortgage. You'll be charged interest on any fees, charges and standard costs added to your loan.
When you take out your mortgage, you arrange to have a fixed or variable rate product for a period of time. At the end of this time, the product will end and your loan will usually be transferred to one of our lender variable rates. At this point, you may choose to move it to a new product for a further period of time.
It's sometimes possible to take a product rate with you to a new mortgage on a different property - we sometimes call this 'porting‘. Your Mortgage Illustration and offer letter will say if any of your products are portable.