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Amend paper-free preferences for your statements and correspondence.
Change your mortgage term
You may be able to change your mortgage term to help manage your monthly payments. Just bear in mind that extending your term usually means you’ll pay more in interest charges over the duration of your mortgage.
See the impact of changing your term
Use our calculator to see how a change in term will affect your monthly mortgage payments and the total amount you’ll repay.
Enter your outstanding mortgage balance, your current interest rate and your current remaining mortgage term. Then enter the new mortgage term and you will see the impact the change has.
What do you want to do?
Let's help you get to the right place.
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If you’re thinking about reducing your mortgage term, one of our advisers will explain your options.
If you’ve had a term extension agreed under the Mortgage Charter, you can
change back to your original term
without an affordability check within the first six months of the extension.
If you’ve made any other changes to your mortgage, such as additional borrowing, more checks might be needed.
Important: If you revert back to your term, your monthly payments will increase as you’ll be repaying the mortgage balance over a shorter term.
Choose how you’d like to speak to us:
Call us
Call us to speak to one of our mortgage experts by phone or video.
We may monitor and record telephone calls to help us provide a higher level of service.
Book an appointment
You can request a telephone or video appointment with a Mortgage Adviser from your local branch. They'll call you back to agree a convenient day and time.
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Let’s look at the details
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