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27th November 2013 - Changes to IF Mortgages

Customers will be receiving written notification of the following changes between 27th November and 17th December:-

What is changing?

A recent review of products and processes has resulted in our making the difficult decision to stop accepting applications for further advances or changes to your mortgage deal.

What does this mean for you?

From 11th April 2014 you will no longer be able to apply for additional borrowing by way of a further advance or make changes to your mortgage deal, for example switching to a new fixed rate.

Please be assured that your existing mortgage will continue to work as it does now, for example your ability to offset, and any pre-agreed or built-up reserves will be unaffected. For further information around general mortgage account features please visit our website on

I realise that our decision may now cause you to wonder whether your IF mortgage will continue to meet your needs in the future. Unfortunately, we cannot give you any advice about this but you may want to contact an Independent Financial Adviser. Alternatively free, unbiased, independent advice on mortgages is available from the Money Advice Service at

If you decide to repay your existing IF mortgage then we will not charge you any Early Repayment Charges that may apply.

You do not need to take any action as a result of these changes, however, if you have any questions please contact us on 0345 609 4343.

For more information on these changes, please refer to our Questions and Answers.

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