Existing Customers

If your existing mortgage product is coming to an end and you wish to switch to another product or borrow more, see our products below. Alternatively, you can complete an online application for our execution-only service, if you are eligible.

Get in touch

End of Payment Holiday

If you have received a letter from us advising of the next steps following the end of your COVID-19 payment holiday, you can complete the End of Payment Holiday Form to advise us of your additional preferences

What would you prefer to do?

Speak to an advisor

If your existing special rate period is coming to an end, you wish to switch to another product, or borrow more, then our range of products for existing customers might be ideal for you.

To ensure you get the right mortgage, our preference is that our qualified Mortgage Advisors make recommendations for you based on your current and future circumstances.

Browse our product range below and speak to an advisor today.

Select your own mortgage

If you simply wish to switch your product, already know the product you want, don’t wish to make any other variations or borrow any additional funds you can complete this on line form and take advantage of our execution only level of service. You’ll need to have your mortgage account number, and the product name you wish to apply for.

Choose a product from those listed below and then please click here to apply to change your mortgage product.

If you are eligible for execution only we will not be assessing the suitability of the regulated mortgage contract or variation for you. And, you will not benefit from the protection of the Advised Sales Mortgage Conduct of Business rules on assessing suitability.

Product Name

Loan to Value

Product Code

Scheme Transfer 60% LTV 2 Year Discount (Existing Customers only)

60% LTV
RT11

Scheme Transfer 80% LTV Discount 2 Years (Existing Customers only)

80% LTV
RS95

Retention 2 Year Discount 85% LTV

85% LTV
RT21

3 Year Discount – 80% LTV

80% LTV
RS79

5 Year Discount – 80% LTV

80% LTV
RS66

Scheme Transfer 90% LTV Discount 2 Years (Existing Customers only)

90% LTV
RT02

Scheme Transfer 2 Year Discount 95% LTV (Existing Customers only)

95% LTV
RT01

Scheme Transfer 5 Year Discount 90% LTV (Existing Customers Only)

90% LTV
RT03

Product Name

Loan to Value

Product Code

Later Life 1 Term over 70 -Scheme Transfer 60% LTV Discount 2 Years (Existing Customers only)

60% LTV
RT04

Later Life 2 – 70+ Scheme Transfer 60% LTV Discount 2 Years (Existing Customers only)

60% LTV
RT06

Later Life 1 Term over 70 – Scheme Transfer 80% LTV Discount 2 Years (Existing Customers only)

80% LTV
RT05

Later Life 2 – 70+ Scheme Transfer 80% LTV Discount 2 Years (Existing Customers only)

80% LTV
RT07

Product Name

Loan to Value

Product Code

Buy to Let 2 Year Discount – 80% LTV

80% LTV
RS97

Direct Retention First Time Landlord Buy to Let 2 Year Discount 75%

75% LTV
RT16

Direct Retention Buy to Let 2 Year Discount 75%

75% LTV
RT17

Product Name

Loan to Value

Product Code

Buildstore Self-Build Mortgage Scheme Extension to complete the build (Existing self build customers only)

75-85% LTV
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For loans up to £600,000, during construction 85% of land cost or build cost subject to a maximum final LTV of 80% of the completed property value.

For loans over £600,000, during construction 75% of land cost or build cost subject to a maximum final LTV of 70% of the completed property value.

RT10

Self-Build Retention 2 Years Discount 60% LTV (Existing Self-Build Customers only)

60% LTV
RT13

Self-Build Retention 2 Years Discount 80% LTV (Existing Self-Build Customers only)

80% LTV
RT14

Product Name

Loan to Value

Product Code

Scheme Transfer Help to Buy 2 Year Discount 75% LTV

75% LTV
RT22