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Making changes
- A copy of your new signature
- A copy of your old signature
We’ll also need one of the following documents:
- Marriage certificate
- Decree absolute
- Birth certificate
- Change of name deed/Deed Poll (known as Statutory Declaration in Scotland)
- Civil partnership certificate
In certain situations we may need some more information from you. If this is the case, we’ll let you know.
We don’t need to see original documents. We’ll accept copies which have been certified by a professional body, such as a:
- Solicitor or notary
- Chartered Accountant
- Bank or Building Society official
- Post Office counter staff
- Councillor
- Minister of religion
- Dentist or doctor
- Teacher or lecturer
We’re unable to accept documents certified by someone who is related to you (either by birth or marriage), living at the same address as you, or in a relationship with you.
The certified documents must:
- Include a handwritten statement by the certifying person, stating ‘certified to be a true copy of the original seen by me’
- Be signed and dated
- Have the certifying person’s full name printed under the signature along with occupation, address and phone number
There may be a charge for doing this, so you should check with the certifying person beforehand.
Once we receive your documents we’ll write to you to let you know we’ve updated our records. Until then, we’ll continue to write to you using your old name.
Please send your documents to: Landmark Mortgages, PO Box 115, Skipton, BD23 9FE.
- The full address of where you’re now living.
- To know the reason for the change of address if it affects how we manage your account. For example, if you’re now letting your property out or you’ve separated from a joint account holder.
You’ll only be able to change your own address. If another account holder has also changed address, we’ll need their consent to update their details.
Let us know you’ve changed address by:
- Logging in to your account and sending us a message using our secure self-serve facility. Just select ‘Update my personal details’ from the dropdown list.
- Calling us on 0330 159 7152.
Phone lines are open between 8.30am and 6.00pm Monday to Friday. - Writing to us at: Landmark Mortgages, PO Box 115, Skipton, BD23 9FE.
If you want to change your address because you’re letting your property, it’s important you’ve made us aware of this and we’ve agreed this with you. To find out more, you can look at our ‘Letting your property’ FAQ below.
Once we receive your request we will:
- Write to you to let you know we’ve updated our records.
- Let you know if there’s anything else we need.
- Logging in to your account and sending us a message using our secure self-serve facility. Just select ‘Update my personal details’ from the dropdown list.
- Calling us on 0330 159 7152.
Phone lines are open between 8.30am and 6.00pm Monday to Friday. - Writing to us at: Landmark Mortgages, PO Box 115, Skipton, BD23 9FE.
You can remove a borrower from your mortgage without increasing the amount you’ve borrowed. This is called a change of borrower or transfer of equity. Before we can do this, we’ll need to make sure that you can still afford the payments after we make the change. To do this we will carry out a credit check and an affordability assessment on all people who will be remaining on the mortgage.
Please call us on 0330 159 7152 to make an appointment with a mortgage adviser who will guide you through the process. Phone lines are open Monday to Friday 8:30am – 6:00pm.
Important Information
- There needs to be an original borrower remaining on the mortgage. If you wish to remove all original borrowers or add someone new, you’ll need to apply for a new mortgage with another lender.
- It will be helpful to have information like payslips, bank statements and how much you spend on your day-to-day expenses ready for your appointment. Work out how much you can afford using our helpful Income & Expenditure Form.
- As part of your application, you’ll need to appoint a solicitor and pay any associated costs.
- There’s a non-refundable application administration fee of £180.00 to carry out a change of borrowers application.
This allows someone else to talk to us about your account without you being there.
You may find this helpful if you need some help managing your finances or find it difficult to speak to us about your situation. If you’re unwell, or your circumstances mean you can’t call us, you may find it reassuring to know someone else can do this for you.
- Print off the third-party authority form.
- Call us on 0330 159 7152 and we’ll post a form out to you.
Here’s a step-by-step guide below to help you complete the third-party authority form and let you know what your third party can do.
Step 1Choose what your third-party can do
You can allow your third-party to give and receive information about your account, make payments or both. Tick the relevant box to confirm what you want them to be able to do. If you want them to be able to make payments, we can’t accept these until we’ve completed our checks and authority is recorded on your account.
Step 2Complete and return the form
Fully complete the form, make sure it’s signed by both you and your third-party and send it back to us at: Landmark Mortgages, PO Box 115, Skipton BD23 9FE.
Step 3We’ll carry out electronic checks
We’ll use information from credit reference agencies to confirm the identity of your third-party. These are ‘soft searches’ which means they won’t leave a footprint on their credit file.
Step 4We’ll write to you
To let you know that the third-party(ies) has/have been added to your account. The authority lasts for 12 months from the date it’s added, unless you tell us that you want it to stop before that. You should let your third-party know it’s in place as we won’t tell them.
You’ll need to renew the third-party authority every 12 months if you want it to remain in place. This also means we can be sure our records are up to date. We won’t contact you to tell you when it ends so it’s important you remember to complete a new form if you want the third-party authority to stay in place.
- All you need to do is print off the third-party authority form, or call us on 0330 159 7152 and we’ll post a form out to you. If we don’t hear from you, we’ll remove the authority.
Things you should know…
- Adding a third-party to your account doesn’t change your agreement with us. This means it won’t make them responsible for your debt or give them an interest in your property.
- If your chosen third party would like more information about how their personal information is used, they can look at our Privacy Notice
- You may want or need someone to be able to have more control over your account than a third-party authority allows. This may be due to your health, or not being in a position to make decisions for yourself. If this is the case, you’d need to apply for a Power of Attorney. You can do this yourself or get a solicitor to handle the application for you. For more information, or to check whether this may be the best option for you, you can visit: www.gov.uk/power-of-attorney.
You may be able to transfer your mortgage to another property without increasing the amount you’ve borrowed. This is called porting your mortgage. As this will be classed as a new mortgage, we’ll need to make sure that you can still afford the payments after we make the change. To do this we will carry out a credit check and an affordability assessment on all applicants. We’ll also need to check that the new property is suitable security for the mortgage.
Please call us on 0300 159 7152 to make an appointment with a mortgage adviser who will guide you through the process. Phone lines are open Monday to Friday 8:30am – 6:00pm.
Important Information
- All applicants will need to provide us with proof of income.
- It will be helpful to have information like payslips, bank statements and how much you spend on day-to-day living expenses ready for your appointment. Work out how much you can afford using our helpful budget planner.
- As part of your application, you will need to appoint a solicitor and pay any associated costs.
- There is a non-refundable application administration fee of £200.00 to port your mortgage to another property. You’ll also need to cover the cost of a valuation of your new property.
If you’re no longer able to afford to live in the property but have somewhere else to live that is affordable, we may agree for you to let the property for a temporary period.
Important information about letting your property
- You’ll need our permission to let your property. This is known as “consent to let”.
- We’ll agree for you to let the property for a maximum of 12 months. If you wish to do this for longer, you’ll need to reapply every 12 months.
- We charge an annual fee of £31.00 to cover the administration costs of us assessing and agreeing your application. You can either pay this fee up front or add it to your mortgage balance. If you add it to your mortgage balance, you will incur additional interest.
- You’ll be responsible for meeting any costs and legal requirements associated with letting your property, for example paying tax on any profit you make from renting out your property, gas safety checks, letting agents etc. You may wish to seek independent financial advice for more information on this.