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How do I change my repayment method?

You can apply to change your interest only mortgage to a repayment (capital and interest) mortgage or a part interest only part repayment (known as part and part) mortgage, by sending us a completed Income and expenditure form and the following documentation by post:

  • A covering letter detailing your circumstances and the changes you would like to make;
  • Proof of income for each borrower:
    • latest month’s payslip; and/or
    • latest SA302 or equivalent official tax calculation and Tax Year Overview.

This is so we can fully assess your financial situation and ensure we offer the correct assistance. Please note, depending on your circumstances, we may require further documentation from you.

If for any reason we cannot change your repayment method we will give you details of the reasons why.

Not sure changing is right for you?

If you're unsure whether changing repayment method is right for you, we're here to help. You can call our expert team on 0345 241 0584 or book an appointment with one of our mortgage advisers in branch who will discuss your options and make a recommendation based on your individual needs.

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