Being eligible to change your repayment type

You can’t apply if:

  • You want to apply to change from capital repayment to interest only.
  • The property is currently being let.
  • Your mortgage was regulated by the Consumer Credit Act at the time it was taken out.
  • There's a guarantor on the mortgage.
  • You or anyone else on the mortgage have been declared bankrupt and have not been discharged.

If you're a member of the British Armed Forces or critically ill, you can change your repayment type but not online. Please call us on 03457 30 20 11 Monday to Friday, 8am to 6pm. Closed Saturdays, Sundays and bank holidays.


If you want to change your mortgage term

What to expect when changing your repayment type

Changing your mortgage repayment type can have a big impact on your financial situation, so it's really important that you understand your options.

Once we receive the completed application, we'll change your repayment type within ten working days. We do not charge for changing your mortgage repayment type.


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 apply

You can apply online or over the phone.



Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.