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Moving your mortgage to us

Why choose us?
We know deciding to move your mortgage can be a big decision. That’s why our expert Mortgage Advisers will listen to your needs and offer advice and recommend the right mortgage for you, so there’s one less thing to worry about.

  • Award winning with over 160 years of experience you know you’re in safe hands.

  • Our competitive mortgage range gives you flexibility to choose the features and benefits that are important to you.

    • No product fee on selected mortgages

    • Mortgage deals typically available from 2 to 5 years

  • Plus on the majority of our mortgages you'll get:

    • a free standard valuation on a property valued up to £2.5 million; and

    • we’ll pay your standard legal fees, which are only repayable if you repay your mortgage within the first two years.

  • See your mortgage in Online and Mobile Banking.

Plus if you're a 1|2|3 Current Account or 1|2|3 Lite Current Account customer, there are other benefits available to you.

Work out your costs
Find out how much you could borrow or what your monthly payments might be by using our mortgage calculator. To help you budget for your mortgage, you can also work out how much you spend each month on things such as utility bills and food with our handy budget planner

Repaying your mortgage

A mortgage has two parts. The original amount you borrow to buy your home (known as capital), and the additional amount the lender charges for lending you this money (known as interest). You can choose a Repayment mortgage, an Interest Only mortgage or a combination of the two.

  • Repayment mortgages – your monthly payment is made up of capital and interest. As long as you keep up your payments, your mortgage will be paid off when your mortgage term ends.

  • Interest Only mortgages – your monthly payment only pays the interest you owe. You’ll still have to repay the capital at the end of your mortgage term and must make sure you have a way of doing so.

Different types of mortgages

  • Fixed rate – gives you peace of mind of knowing exactly what your monthly mortgage payments will be during the initial rate period.

  • Tracker rate – tracks above the Bank of England base rate during your initial rate period so your monthly mortgage payments will only change if the base rate changes.

  • Lifetime Tracker – tracks above the Bank of England base rate for the life of your mortgage term.

To find out more: different types of mortgages explained

Work out your costs

Find out how much you could borrow and what your monthly payments might be by using our mortgage calculator.

We want to make remortgaging to us easier, so we’ve provided a useful guide and mortgage calculators to help.

Steps to moving your mortgage to us
A step-by-step guide on how to move your mortgage, who you need to involve and when, and the types of costs you can expect to pay.

Different types of mortgages explained
Understand the differences between fixed and tracker rate mortgages.
Different types of mortgages explained

Budgeting for a mortgage
Have the right information available by completing our handy budget planner.

We're part of a scheme that may make it easier when moving your mortgage to us.

Shared Ownership
If you already have a home through a Shared Ownership scheme, then we could help you find a better deal from our mortgage range. To find out how much you can borrow and what your monthly payments might be use our mortgage calculator.

You can buy a bigger share of your home later down the line and eventually own 100% if you wish.

To apply for a mortgage with us you need to:

  • be aged 18 or over

  • be a UK resident

  • want the mortgage for a property in the UK (but not in the Isle of Man)

  • be intending to live in the property

  • have never had a home repossessed

  • have never been declared bankrupt or subject to an IVA (Individual Voluntary Arrangement).

Apply online
When you’re ready to start your mortgage application you can do this online and we’ll give you an instant decision in principle.

Apply now

Apply in branch or by phone
Alternatively, you can make an appointment in a branch or call 0800 068 6064.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

What to expect when you talk to us
Initially we need to work out what we can lend you. We’ll ask you some questions around your monthly income and outgoings.

To make sure you have the right information to hand when you speak to us, fill out the budget planner. We’ll then be ready to take you through a mortgage application.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.

Our awards

Our awards

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Frequently asked questions

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