| Overpayments, lump sum payments and early repayment charges - It may be possible to make lump sum payments or overpayments to your mortgage, depending on the mortgage product you have chosen. However, some products carry an early repayment charge, so you should check the terms of your Mortgage Offer very carefully before making any lump sum payments. A lump sum of £500 or more over and above your normal monthly payment will be treated as a capital repayment and could therefore attract an early repayment charge.
If you are thinking of making an additional payment of £500 or more to your mortgage, contact us first to find out how an overpayment or lump sum payment would affect your account. Details of early repayment charges are specified on the Mortgage interest rates sheets.
Payment difficulties - If your circumstances change and you have, or think you will have difficulties with your monthly payment, let us know immediately. We will do everything we can to help and will work with you to find a solution and prevent unnecessary arrears.
IF YOU WANT TO....
Borrow more money - You can increase your borrowing with us for home improvements or for a variety of other purposes such as paying for a car or holiday and the cost can be spread over the remaining term of the mortgage. As long as your account has been well conducted and your total borrowing will not exceed the maximum loan to value allowed, you will be able to apply for Additional Borrowing (subject to income). This can normally be made available in just a few days.
To find out more call 08451 22 00 33* and ask about Additional Borrowing, or e-mail us at 
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Moving home - All of our mortgage schemes and products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.
Click here to view other costs associated with a mortgage account
When you want to move home call us first on 08451 22 00 33* or e-mail us at  to find out what we can offer.
Letting your home - If you want to let your home, under the terms of your mortgage you will need the Society’s consent. We will normally be pleased to give this, but will increase the rate of interest charged while your property is let because of the increased risk of it not being your main residence.
To discuss your request call 01634 835 749 or e-mail us at 
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