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Let's see which option could be best for you

We can help if you:

  • Have a residential mortgage - this includes where an agreement is in place for buy-to-let mortgages where you are living in the property.
  • Are currently up to date with your mortgage payments.

Choose a new mortgage deal in advance

If you have a Virgin Money, Clydesdale or Yorkshire bank mortgage, pick out a new deal up to 6 months before your current one ends.

Getting a new mortgage deal early

Make interest-only payments

This means you're only paying the interest charges on your mortgage every month, not any of the original capital you borrowed.

Making interest-only payments

Request an extension to your mortgage term

Increase the amount of time you'll have to repay the full amount of your mortgage

Requesting a term extension

Questions and answers

Clydesdale Bank and Yorkshire Bank customers can find more information and apply on our dedicated switching pages:

Clydesdale Bank Customers
Yorkshire Bank Customers

Virgin Money customers should give us a call on 0800 028 2518.

To switch your deal while you're making interest-only payments, you'll either have to stop making interest-only payments when your new deal starts, or start your new deal when your 6-month Mortgage Charter support period ends.

This may mean you move on to our Standard Variable Rate (SVR) in the interim period, and pay a higher rate of interest.

If your Direct Debit is due within the next 10 days, we may collect your current mortgage payment. Your new payments will begin the following month.

If you're making interest-onlu payments for 6 months, what you pay can change if:

  • Your current mortgage deal comes to an end in that time.
  • You're on a variable mortgage rate and we make a change to that rate.

We'll let you know about any changes in advance.

More questions and answers