Start your remortgage application

If you're comfortable choosing a mortgage without our advice, you can apply online at your own pace.

You need to understand that you're responsible for the mortgage you choose. You'll get no advice from us, so you won't be protected if you later decide the mortgage you chose wasn't suitable.

Proving your income

For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

You can't apply online if you're applying for one of our Family Deposit Mortgages, or if your mortgage term will take you beyond retirement age.

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

Choose to apply by phone and we'll go through your income and outgoings with you to give you our Decision in Principle (DIP). Have details of your expenditure and earnings to hand when you call us.

We'll then arrange an appointment for you to complete your full application with one of our Mortgage Consultants. They'll advise you on what's best for you, and help you complete your application.

It typically takes up to 45 minutes to get a DIP

Proving your income

For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)

Call us on 0800 171 23 69

    Apply for your remortgage at one of our branches, and a Mortgage Consultant will be there to advise you on what's suitable for you.

    You'll first need to make an appointment by giving us a call (This link will open in a new window) or popping into your nearest branch (This link will open in a new window).

    Your appointment will last around 2 hours

    Proving your income

    For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

    Ready to take the next step?

    Find your local branch

      What happens after you apply using our regular service

      First, we'll value your home

      • We'll complete a valuation of your property while we review your application and documents. This could take up to a few weeks.
      • Once your home's valued, we'll send you your remortgage offer. We'll keep you updated by text or email if you've asked us to.
      First stage of timeline

      We can help with the legal stuff

      • You'll need a conveyancer to pay off your existing mortgage with the money we lend you, and to update the details at Land Registry.
      • Do your research of both local and national conveyancing firms, but remember - when you remortgage with us - you can choose between receiving £500 cashback or free standard legal fees as a helping hand. See our terms and conditions.
      Second stage of timeline

      Next, you'll need to review your offer

      • Go through our offer and tell your conveyancer if you're happy to continue.
      • You'll have at least 7 days to think about whether the mortgage meets your needs before going ahead.
      Third stage of timeline

      Congratulations, that's it!

      Final stage of timeline

      0800 30 20 10

      Speak to one of our mortgage experts

      Visit us in branch

      Come and see us at your nearest branch (This link will open in a new window)

      Ask us a question

      Send us a message (This link will open in a new window) online