Manage your mortgage online

You can overpay by up to 20% every year. Setting up a regular overpayment could help you pay off your mortgage faster, potentially saving you money on interest payments.
 

You can set up an overpayment by logging in to Manage your Mortgage online and selecting ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu.

Change a regular overpayment

You can also change a regular overpayment by logging in to  Manage your Mortgage.
 

Simply select ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu and then add the new amount in the ‘amount to overpay’ field.

Making a one off lump sum overpayment could help reduce your monthly mortgage repayments. That could free up extra funds for something a little more...exciting.

You can set up an overpayment by logging in to Manage your Mortgage and selecting ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu.

You can change your payment date to a day that better suits you. Simply log on to Manage your Mortgage online and select ‘Change payment date’ from the ‘My payments’ section of the ‘My payments and services’ menu.

If you need to update your bank account details, you can do so by logging in to Manage your Mortgage online. Select ‘Change payment account’ from the ‘My payments’ section of the ‘My payments and services’ menu.

If you’re coming to the end of your fixed or tracker rate period or are on Standard Variable Rate, why not take a look at the new deals you are eligible for.

Simply log in to Manage your Mortgage to get a personalised quote. Once you’re ready and confident to choose a new deal without advice, you can also switch online in less than ten minutes. 

A mortgage Certificate of Interest sets out exactly how much interest you have paid on your mortgage in the previous tax year. This can be useful if you are filling in a tax return or preparing your annual accounts.

If you would like to request a certificate of interest save time by logging in to Manage your Mortgage online. Then select ‘Request Certificate of Interest’ from the ‘Request statements’ section of the ‘My payments and services’ menu.

If you’re planning to rent out your residential property, you'll need to request permission to do so from us as your mortgage lender.

You can request permission online using Manage your Mortgage. Select the ‘Consent to let’ option from the ‘Other service’ section of the ‘My payments and services’ menu.   

When logged in, you can check your outstanding balance, and review your mortgage sub accounts.

Log in to Manage your Mortgage online. Your balance will show as at the previous business day and may not show an up to date balance.

We're improving the information we provide about your property within Manage your Mortgage to now include it's energy efficiency. The EPC rating will be displayed where we hold that information on our records.

This rating is taken from the  Scottish Energy Performance Certificate Register which is updated every three months. For properties in England, Wales and Northern Ireland, visit the National EPC Register.

You can check the EPC register to see if your property has one, and if not, it provides information on how to instruct a new one and the cost. Your home's EPC report could help you to waste less energy and save money on your energy bills. If you decide to arrange an EPC, once completed you don't need to send this to us or tell us about it. Remember, the national register updates every three months, so it'll automatically update our records in due course.

The rating represents your property's energy efficiency using a scale from 1 - 100, split into seven bands, each with a letter.

• 'A' is at the top of the scale with a score of between 92 - 100, meaning it is very efficient, with lower running costs.
• 'G' is at the bottom of the scale, with a score of between 1 - 20, meaning it's not as energy efficient, with higher running costs.

To learn more visit our Guide to Energy Performance Certificates.

A mortgage Redemption Statement sets out exactly how much you need to pay off all or part of your mortgage, on a specific date.

If you would like to request a Redemption Statement, simply log in to Manage your Mortgage online. Then select 'Request Redemption Statement' from the 'Request statements' section of the 'My payments and services' menu.