Things you should know
- You can choose to change back to the original term any time within the first 6 months.
- If you stay on your new term for more than 6 months, any request to change back to your original term will be subject to our lending policy and full income and expenditure assessment.
Requesting an extension to your mortgage term will not affect your credit score Your credit score can be affected if you choose a new mortgage which involves additional borrowing, or by other factors including how much credit you use, your payment history and applications for credit elsewhere.
Apply for Mortgage Charter support
First use our calculator to see what your new mortgage payments might be. Next, complete the request form and we'll be in touch.
You'll need your mortgage statement and Direct Debit details to hand.
Apply for supportNot the right option for you?
There's more mortgage Charter support available.
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.
Make interest-only payments for 6 months
This means you're only paying the interest charges on your mortgage every month, not any of the original capital you borrowed.
What happens if you miss a payment
The Mortgage Charter allows you to stay in your home for up to 12 months after your first missed payment, except in some exceptional circumstances.
If you think you'll struggle to meet your upcoming payments, visit our Support with money worries page for advice.