Existing borrowers - transferring products

You can Request an offer online up to 90 days before the product period end date.

You must return the signed acceptance within 14 days of receiving your offer to secure the product you have chosen. If you don't, the offer will expire and you will need request a new one. You may also have to choose a new product, if the one you had previously chosen has been withdrawn.

We'll complete the transfer when your current deal ends (if applicable); that way, you will avoid any early repayment charges - unless you tell us otherwise.

• Mortgages must have been held with us for at least 12 months. Borrowers with a Credit Repair mortgage may be eligible for a transfer product after 24 months. Find out more >
• You must live in the the property we have our mortgage secured on.
• Any arrears on your mortgage must be less than one monthly payment or £100 (whichever is lower).
• There must be no more than one missed or late payment in the last 12 months.
• For transfers from a Credit Repair product, there must be no missed payments in the last 24 months.
• Your mortgage account balance must be at least £10,000.
• All transfers need to meet our criteria.

You can apply for a full status product if you can meet the eligibility criteria above and prove your income.
If you cannot prove your income then you can apply for another a self-certification product.

The part(s) of your mortgage account being transferred must have a remaining term of at least the same as the new mortgage product term, i.e. a 5 year product can be taken if the remaining term on the part(s) you wish to transfer is 5 years or more.

Your mortgage statement will show whether you are still within the early repayment charge (ERC) period for any part of your mortgage, these charges apply in the event of a Product Transfer. If the ERC period ends within the next 90 days, you can apply for your transfer now but it will not take place until after the ERC period has ended, unless you agree to pay the charge. Any early repayment charges applicable must be paid on completion of the transfer.

Borrowers will be eligible for our Existing Borrower Transfer products providing they have made all their payments on time and in full in the last 24 months. This is subject to criteria. See our Credit Repair Guarantee page for full information >.

Products are available for existing borrowers at Loan to Values (LTV) above those currently offered to new customers.
The product selected must be applicable to your LTV. For instance, an 85% LTV product cannot be selected if your LTV is 90% or above.

Like many of the mortgage deals we currently have, our Existing Borrower Transfer products now take into account your mortgage balance compared to the value of your home. This is known as the Loan to Value (LTV).

We calculate the LTV using a published House Price Index (HPI). The HPI is recalculated every three months.

You can ask for a revaluation, if you believe the value of your home is different to our estimate.

If a re-valuation is required, a non-refundable fee £70 is payable. This fee is payable upfront on request of a re-valuation. Please contact our Existing Customer Team to pay the fee by either debit or credit card.

By requesting a revaluation you are not reserving any of our mortgage products or interest rates. Products can be withdrawn at any time and you will only be able to choose from the range available once your current valuation is confirmed.

Offset and non-offset products cannot be mixed:
If you have more than one part to your mortgage then all parts must be either Offset products or non Offset products.