Managing your mortgage

To apply online, you’ll need the following information for all account holders:

• Mortgage account details
• Income (salary, bonuses, pension)
• Any payments you make on money you’ve borrowed (such as credit card payments and personal loans)
• Any other outgoings (such as monthly travel or maintenance costs, council tax, insurance and any other mortgages)

If you're comfortable changing your repayment method without our advice, you can apply online at your own pace.

You need to understand that you're responsible for the deal 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.

There are certain circumstances where you can’t apply to change your repayment method online.

You’ll need to call us on 0800 30 20 11 if:

• The property is currently being let
• If your most recent mortgage deal was taken out prior to 31st October 2004, as this will be regulated by the Consumer Credit Act
• There's a guarantor on the mortgage
• You're critically ill
• You're a member of the armed forces

You won’t be able to apply to change your repayment method if you’re currently bankrupt.

If your account’s in arrears or you’re facing financial difficulties, it’s easier for us to help you if you call 0800 464 30 30.

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

Our Mortgage Consultants are here to help. Call 0800 30 20 11 or visit us in branch and we’ll talk you through your options and make a recommendation based on your individual needs.