Make a plan to make sure you own your home

By the time your mortgage ends, you’ll need to repay the full interest only balance.

If you don’t know how you’ll repay it, or don’t think your plans will provide enough –call us today and we’ll help you understand your options.

From using investments to making overpayments, there are many different ways you can repay your mortgage.

Common repayment plans

Get in touch

Call us on 0345 366 2005

Lines are open Monday to Friday 9am to 5pm UK time.

Calls may be monitored and recorded. Call costs may vary depending on your service provider.

Be prepared for when your mortgage ends

Don’t leave it too late – The end of your mortgage may seem a long way off, but the sooner you act, the more options you’ll have to choose from. You may even pay less interest.

By acting now

  • You may have more options to choose from.
  • If you switch to a repayment mortgage, the increase in your monthly payment will be smaller.
  • If you start making overpayments earlier, these overpayments can be smaller.
  • If you’re selling your home, you’ll have longer to prepare for the sale.

By leaving it later

  • You might have to cash in investments quickly.
  • You might not have the option to switch to a repayment mortgage as the increase in your monthly payments may not be affordable.
  • You might not be able to afford to make enough overpayments to clear your interest only balance before the end of the mortgage term.
  • You might have no choice but to sell your home.

Put a plan in place that’s right for you

Call us on 0345 366 2005

Our lines are open Monday to Friday 9am to 5pm UK time.

Calls may be monitored and recorded. Call costs may vary depending on your service provider.

You could lose your home if you don’t keep up your mortgage repayments.

Where can I find independent help and advice?

Although we're always here to talk to you about your mortgage, there are other people you can talk to for free and impartial help and advice. These include:

The Bank conducts its business in accordance with local legal and regulatory requirements, including anti-money laundering requirements which require the Bank to disclose information that would otherwise be confidential in circumstances where the Bank suspects its customer is benefiting or engaging in criminal activity including tax fraud.

Lending is at the Bank’s discretion and you must be 18 or over to apply. Security may be required.