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

Mortgages

  • 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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  • 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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  • 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.
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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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  • 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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  • 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’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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  • I’m not sure which mortgage product I should choose – do you offer advice?

    We offer an advised mortgage service where one of our expert Mortgage Advisers will collect information about your personal circumstances so they can recommend a mortgage that is suitable for you.
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  • I've started my mortgage products switch online, but I’m not able to select some of my accounts to be switched, why is this?

    Your account(s) might be unavailable because there is still an Early Repayment Charge (ERC) in place on the account.
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  • Who's eligible to switch online?

    The eligibility criteria required to switch online.
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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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  • I am worried about an increase in my mortgage’s interest rates. What can I do?


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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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  • 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.
    Learn more

  • 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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  • 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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  • 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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  • 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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  • 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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  • 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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