Making changes

If you want to let out your property instead of living there, you can, but you’ll need to get permission from us first. This is known as ‘consent to let’.

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 …

This allows someone else to talk about your account without you being there. When we receive the completed form, 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. We’ll write to you when the third-party …

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 …