Mortgage charges

Once your mortgage is up and running, you may wish to make changes and there may be charges for doing so. We've shown details of the charges for the most frequently requested additional services below.

* This charge applies only to certain mortgages and may vary depending on your circumstances. In particular, it does not apply to mortgages entered into on or after 1 August 2007. The amount shown is the most the charge might be. If you think a charge might apply to you and want to know the exact amount, please contact us.

Please remember that it may also be part of the agreement between us for certain mortgages that we may apply an early repayment charge if you repay all or part of the loan, or change its terms, within the first few years. Please check your loan agreement or subsequent documentation for details.

Arrears charges

There may be a charge if you fall behind with your mortgage payments. If you get behind with your payments (you go into arrears) when there is no agreement between you and us for you to pay less or miss a monthly payment, you will have to pay an arrears charge.

If, after reasonable requests, you do not pay the amount outstanding, we may also charge you for any additional administration involved. The table below shows the most common of these charges, but on occasions there may be charges for other activities not shown here. We will always tell you when we intend to make such a charge and how much it will be. There may also be additional legal costs which you would have to pay and which can be expensive.

As well as the above fees, you would also have to pay any costs we pay to third parties who we may ask to recover any money you owe us, or to create or protect our security, or to carry out legal work for us.

For example:

• Each visit by an External Field Agent
• Solicitor's charges
• Possession management fees

We will write to tell you before we ask a third party to act for us.