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Mortgage Charter support request form

Please complete the below form to submit your request to extend your mortgage term or temporarily change to Interest Only payments for six months. Once we’ve received your request, we’ll aim to process this and confirm your new payment within 10 working days.

Fields marked with * are mandatory.

Your 9 digit account number is included in the correspondence and your mortgage statement we have previously sent to you. Please ensure you enter your account number accurately as providing an incorrect account number will result in a delay processing your request.

The options available through the Mortgage Charter are not suitable for customers who are already behind with their mortgage payments. Please contact our Mortgage Support team on 0800 083 8031 or 0345 241 0593 (we are available Monday to Friday 9.00am to 5.00pm) to discuss your situation and find out how we may be able to help.

Please note: If your mortgage payment is due in the next 10 days, we may not be able to stop your Direct Debit being taken. If this happens your mortgage payment will be amended from the following month.

Residential owner-occupied mortgage customers who are up to date with their mortgage payments can extend their mortgage term. By extending your mortgage term:

• your monthly payments will reduce as you’ll be paying your mortgage balance over a longer period. As you’ll be paying over a longer period you will pay more interest overall

• your balance will take longer to reduce as your mortgage term will increase and you’ll be paying over a longer period

It’s also important to remember that you have the option to change your mortgage term back to its original term during the first six months without any affordability checks. However, if you choose to return to your original term after six months the change will be subject to affordability checks. By changing back to your original term your monthly mortgage payments will increase.

Please contact us if your existing mortgage term or term extension take you past 75, or your anticipated retirement age.

Residential owner-occupied customers who are up to date with their mortgage payments can temporarily change to interest only payments for six months. By changing to interest only payments:

• your monthly mortgage payment will reduce for six months. When this period ends, your payments will increase to ensure your mortgage balance is repaid in full at the end of your mortgage term

• you'll only pay the interest on your mortgage balance. This means during this time, your mortgage balance won’t reduce and therefore you’ll pay more interest over the remaining term of the mortgage

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