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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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Extending your mortgage term will mean you pay more over the term of your mortgage.
As part of the Mortgage Charter, if you extend your mortgage term, you’re able to change back to your original term within the first six months without going through affordability checks.
If you’ve made any other changes to your mortgage, such as additional borrowing, more checks might be needed.
If you want to cancel after six months, please see ‘I want to reduce my mortgage term.’
Important: If you revert to your term, your monthly payments will increase as you’ll be repaying the mortgage balance over a shorter term.
Would you like to change anything else at the same time?For example, you could make changes to your interest rate, repayment type or any life and critical illness policies you may have.
How would you like to continue?
Continue without advice
If you’re happy to apply without our advice, you can extend your term by using the form below.
If any of the following apply, you won’t be able to continue without advice. You’ll need to select one of the options from the ‘Continue with help from a Mortgage and Protection Adviser' section. Additional criteria might also apply.
- your existing mortgage term or extension takes you past 70, or your anticipated retirement age if it’s lower than 70
- any part of your mortgage is interest only.
Continue with help from a Mortgage and Protection Adviser
If you would like to discuss your options, one of our expert advisers will help you to apply. Any advice we give you is protected by the Financial Conduct Authority.
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
If you’re not ready to talk to us just yet, you can request a telephone or video appointment with a Mortgage Adviser from your local branch. They'll be in touch to agree a date and time that suit you best.
How would you like to continue?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 nearest branch and they'll call you back to agree a day and time.
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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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For example, you may only have questions regarding interest rates, repayment type and Life and Critical illness policies. For these and all other mortgage queries contact us in a way that suits you best.
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 day and time that suit you best.
Popular questions when changing your mortgage term
Let’s look at the details
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