Mortgages - frequently asked questions

Have a question about our mortgages? Here we’ve answered the most common questions we hear you ask about our mortgages. If you have any questions not covered on this page, please get in touch with our team on 0800 220 568.

How can I make a payment to my mortgage account?

What is a mortgage payment deferral and how do they work?

Can I set up a direct debit to pay my mortgage if my payment is due now?

How do I pay my mortgage via bank transfer?

Why are my transfer details showing the payee as the Royal Bank of Scotland (RBS)?

What is a mortgage valuation report?

What does a mortgage valuation report include?

How much does the mortgage valuation report cost?

What does a homebuyer’s survey and valuation include?

How much does the homebuyer’s survey and valuation cost?

Do I need a building survey report?

Why are variable mortgage rates also referred to as underlying rates?

What is a floor rate?

What happens if I move house midway through my mortgage deal?

How can I avoid paying an early repayment charge when I move home?

What happens if my new property is more expensive than my current mortgage?

What happens if my new property is less expensive than my current mortgage?

Where can I find free, impartial advice regarding mortgages?

What do I need to bring with me to my appointment with a mortgage advisor?

I have questions about my mortgage offer, who can I speak to?

How can I make an overpayment on my mortgage?

How can I get an update on my current mortgage?

Can I add someone to my mortgage?

Can I borrow more money on my mortgage mid-term?

Can I get a mortgage if I’m using Help to Buy?

Can I get a mortgage with a shared ownership property?

What happens at the end of my mortgage term?

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