The Guarantee

We make the following Guarantee to all borrowers who took out one of our Credit Repair mortgage products:
  • If you have no more than 1 missed/late payment in the last 12 months payment history and current arrears of no more than 1 month’s payment then:
  • You can transfer to any of our Transfer products at the end of your current mortgage deal. This is subject to our standard terms.
  • This is regardless of your level of credit impairment when your mortgage first started.

Changing deal / Transfer product

If you fulfil our product transfer criteria, then you can transfer to any of our Transfer products at the end of your current mortgage deal. This is subject to our standard terms.

When you're ready to apply for a product transfer, you can do this online or by calling us.

 

 

Please note: In some circumstances, such as where you currently pay all or part of your mortgage on an 'interest only' basis, we'll need to talk to you before you can transfer your mortgage product. If this applies to you - you won't be able to apply online. When we write to you to let you know your current deal is coming to an end, our letter will set out how you can apply for a new mortgage deal.

If you are currently on our SVR, or you want to switch from your current deal to another product and pay any Early Repayment Charges, you can discuss your options with us.

Need more help?

To get advice on transferring to a new mortgage deal or you need to make other changes to your mortgage (like changing the term or making a lump sum payment) call one of our friendly mortgage advisers:
9am - 5pm: Mon to Fri
9am - 1pm: Sat