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Just type in your query, or have a look at the list of popular questions below.

Mortgages

  • Can I take additional lending to fund my deposit?

    No, you must not be taking any additional lending to fund your house purchase.
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  • I’m a mortgage customer – how do I change my address?

    You'll need to call us to discuss why you're no longer living at the property.
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  • Can I transfer my mortgage to another property?

    If you are moving house, you may be able to transfer your existing mortgage with us onto a new mortgage for your new property.
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  • Can I apply for a mortgage if I am on maternity leave?

    Yes, we can base the lending on the salary that you will return on after your maternity leave has ended.
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  • Bank of England Base Rate Change - 2nd August 2018

    On the 2nd August 2018 The Bank of England base rate increased from 0.50% to 0.75%. The Bank’s Standard Variable Rate will increase from 4.74% to 4.99% effective from 1st September 2018.
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  • Can I make overpayments on my mortgage?

    Overpayments are when you pay an extra amount into your mortgage each month, with the aim of saving interest in the long run, or funding future underpayments.
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  • I am a contractor, am I able to apply for a mortgage?

    Yes, as long as the contract you are on is for a minimum of 12 months and has six months remaining at the time of your application.
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  • I am an existing mortgage customer, am I able to remortgage to a new deal?

    If you already have a mortgage with us, you may be eligible for one of our existing customer remortgaging deals.
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  • Can I apply for additional borrowing on my mortgage?

    Additional borrowing is often known as a 'Further Advance' or a 'Home Owner Loan', and you may apply for it at any time. Please check our lending criteria before you apply.
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  • Can I apply for a further advance on my mortgage?

    We recommend that you think carefully before securing additional borrowing against your home as it will increase your overall mortgage debt. Please call us on +44(0)800 234 6171 to discuss this.
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  • How does the Bank of England base rate affect my mortgage?

    On the 2nd August 2018 The Bank of England base rate increased from 0.50% to 0.75%. The Bank’s Standard Variable Rate will increase from 4.74% to 4.99% effective from 1 September 2018.
    Learn more

  • I am worried about an increase in my mortgage’s interest rates. What can I do?


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  • Can I change my mortgage rate before the end of my initial rate period?

    You may be able to change your mortgage rate before the end of your initial rate period.
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  • My mortgage deal is about to end, what are my options?

    You can switch to a new deal if your existing deal is due to end within four months, or if you're on our Standard Variable Rate.
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  • Can I take a mortgage in just my name if someone else owns part of the property, or is on the deeds?

    No, all parties named on the deeds need to be named on the mortgage.
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  • My current mortgage deal is ending, how do I change to a new deal?

    You can switch to a new deal if your existing deal is due to end within four months, or if you're on our Standard Variable Rate.
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  • If I already have a mortgage with The Co-operative Bank or Britannia Building Society, can I submit a mortgage in principle online?

    No, the online mortgage in principle request is only available to new customers.
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  • Do you offer mortgages on new build flats?

    Yes but you will need a minimum 25% deposit and the new build flat must have an acceptable guarantee.
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  • Is there a minimum income I must earn to be able to apply for a mortgage?

    No, however the mortgage must be affordable, along with your other commitments.
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  • I am discharged from bankruptcy, am I eligible for a mortgage?

    Bankruptcy must be discharged for six years for us to consider your application.
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