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Make sure you’re on track to repay your mortgage

Having plans in place to repay everything you owe gives you the peace of mind that you’ll own your home when your mortgage ends.

1. Tell us your plans

If you’re confident you can repay everything, let us know. It only takes a couple of minutes to tell us your plans. Or you can call us on 0345 609 8951. Our lines are open Monday to Friday 8am to 8pm and Saturday 8am to 1pm.

2. Regularly check your plans

Even the best of plans can change over time and it’s a good idea to regularly check you’re on track to repay everything.

We’ll write to you throughout your mortgage so you’ll always know how much you need to repay and when. If you’re registered for Online Banking, you can see your mortgage account balance and statements online. Your balance will also be on the statements and letters we send you. Or you can call us and ask.

3. Let us know if your plans change

If your plans change or you’re worried you can’t repay everything, let us know. We can help you understand your options and the sooner you talk to us, the more options you’ll have to consider.

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 unbiased help and advice. These include:

You can find a list of independent financial advisers at unbiased.co.uk.

Interest only mortgage overpayment calculator

Use our calculator to see how overpaying on an interest-only mortgage can save you money. You could reduce your mortgage balance and the amount of interest charged.

Overpayment calculator

Change to a repayment mortgage calculator

Use our calculator to see what your payments might be if you change your interest only mortgage to a full or part repayment mortgage.

Repayment calculator

About your plans

Tell us your plans online

Or call us on 0345 609 8951

Our lines are open Monday to Friday 8am to 8pm and Saturday 8am to 1pm.