Adding or removing a borrower

You can:

  • change from a single to a joint mortgage
  • change from a joint to a single mortgage
  • remove a borrower and add a new borrower to your joint mortgage.

Fees charged for adding or removing a borrower

There is a £125 fee for a change of borrower application. You need to pay this fee when you make the application. It can't be added to the mortgage loan. We'll refund the fee if we decline your application.

Being eligible to change borrower

You can't apply to change a borrower if:

  • Your property is let.
  • Your mortgage will continue to have three or more borrowers.
  • The person removed from the mortgage will remain living in the property, and a lifetime tenancy is or will be, in place.

If you have one of our Lifetime mortgages for over 55s, you'll need to call us on 0800 464 0813 (Monday to Friday, 9am to 5pm. Closed Saturdays, Sundays and bank holidays).

What to expect when changing a borrower

We'll need to make sure you can afford the mortgage by carrying out a credit check and an affordability assessment on all applicants.

All applicants will need to provide us with proof of income.

We accept the following documents:

  • If you are currently employed – your most recent payslip and if you’ve received any bonuses that need to be taken into account, we may need to see your P60.
  • Self-employed – SA302 forms for the last two years (this is a brief summary of your income that reported to HMRC).
  • Unemployed – a letter from HMRC or the Department for Work and Pensions (DWP).
  • Employed – but currently on maternity leave, we’ll need a letter from your employer that states when you’re returning to work.


If you’re concerned about paying your mortgage, we’re here to help. Call us on 0800 464 30 30 (Monday to Friday, 9am to 5pm. Closed Saturdays, Sundays and bank holidays) to discuss your options or visit our challenging times page.

Ways to change a borrower

Over the phone

To change a borrower on your mortgage, give us a call:

Monday to Friday, 8am to 6pm.
Saturday 8.30am to 4pm.
Closed Sundays and bank holidays.