Here to help you

In your Execution Only letter, we provide you with details of the products currently available and you select the most suitable product for yourself. Execution Only means that we are not providing you with any advice or assistance.

If you would prefer to receive advice about your mortgage rate switch, you will need to book an appointment with one of our Mortgage Advisers who can go through the advice and recommendation process to find the most suitable product for you. Please contact us on 0121 557 2551, visit one of our branches or complete our contact us form to arrange an appointment.

A rate switch appointment is simple and straightforward. We do not require you to bring any documentation with you, however we will ask questions about your income and expenditure so please be sure to know all these details.

If you are applying for additional borrowing with your rate switch we will need more information, this will include:

• Most recent P60;
• Latest salary fed bank statement;
• Last three months pay slips;
• Last three years’ SA302s or limited company accounts (if self-employed);
• Accountants details (if self-employed);
• Home improvement quotations (if borrowing additional money).

If there are any other documents we may need your Mortgage Adviser will let you know.

When your existing mortgage product is coming to an end, we will write out to you eight weeks before your product maturity date inviting you to complete a rate switch.

If your current mortgage product is due to end in three months or less you are more than welcome to speak to one of our Mortgage Advisers before receiving any letter.

If you chose not to take up our rate switch offer, you will revert to our Standard Variable Rate and we will confirm your new monthly repayment by post. For more information or to book an appointment please call us on 0121 557 2551, complete our online form or visit one of our branches.

Not really. Completing a rate switch with us is a much quicker and simpler process. We will issue you with all the necessary paperwork that you will need to sign and return. For a straight forward rate switch we don’t usually need any additional documentation from you.

You can apply for a new mortgage product at any time. If you are in the term of your existing mortgage product you may incur an Early Repayment Charge, please call us on 0121 557 2551 or complete our contact us form for more information on this.

If you are on our Standard Variable Rate you can apply for a new product at any time.

If your current mortgage product is coming to an end, you will be able to apply for a new product three months before your existing product matures and will not be liable to pay any Early Repayment Charges.

To apply for a new mortgage product please arrange an appointment with one of our Mortgage Advisers, you can do this by visiting one of our branches, calling us on 0121 557 2551 or completing our contact us form.

We recommend that you book an appointment with one of our Mortgage Advisers who will be able to determine whether it is beneficial for you to have your property revalued.

If you chose to have your property revalued you cannot follow our Execution Only process. Our Mortgage Advisers will give you full advice and recommendation. Please contact us on 0121 557 2551, complete our contact us form or visit one of our branches to arrange an appointment.