Learn about mortgages

If as a result of a change in personal circumstances you need to change the name of the parties (people) on your mortgage account a change of parties can be requested. You can start this process by completing an application form and returning to us at the address provided on the form.

Your application is processed in a similar way to the new mortgage application with income verification and credit checks being required for all applicants. You can also see a list of the Frequently Asked Questions.

You can contact Northern Rock to advise us that you wish to let your property.

Under the terms and conditions of your mortgage, you must obtain Northern Rock's consent before you let your property. You can refer to our list of guidance notes.

To determine if you are eligible to apply please answer the following statements. Please note that any application for consent to let will be subject to review on receipt of your application form and no decision in principle can be made at this point.

1. The loan to value on my mortgage is less than or equal to 70% (this can be calculated using the existing balance of the mortgage divided by the current value of the property).
2. My mortgage is not subject to a guarantor.
3. The letting agreement is self-financing (i.e. the rental income is sufficient to cover 120% of the mortgage repayment on an interest only basis including any unsecured loan).
4. The property will not be let to a local Council / Authority or Housing Association. Nor will it be used as a holiday let / bed and breakfast / guest house or to let out part of the secured property, such as annex or cottage within the grounds.

To change your name or address details we must have the necessary legal documents and authorised signature(s). This can be done by printing off the relevant form below and returning, with the necessary legal documentation, to our head office address provided on the form.

• request change of name
• request change of address

If you wish to pay your mortgage by Direct Debit or Standing Order you may print off and complete the relevant form and return this to the address which is provided on the form. Please note an annual Payment Option Fee of £25.00 will be applied to your account if you choose to pay by Standing Order.

• payment by direct debit
• payment by standing order

You can enable a third party to discuss or request details of your mortgage account on your behalf.  However, to arrange this we must have a valid authority signed by all parties to your mortgage.  This can be done by printing off and completing the relevant form below and then returning it to our head office address, quoted on the bottom of the form.

Any third party to whom authority is given will be unable to make material changes to your mortgage account, for example, changing personal or bank details or requesting a borrowback of funds.  Any authority remains in place for the term of the mortgage unless you give notice that you wish that it is withdrawn.

Download third party authority request form

You can access details of the charges that may be applicable to your mortgage account. Please note this tariff provides comprehensive details of the fees that may be payable in connection with the administration of our full range of mortgage accounts and is not personal to you. Inclusion of a specific fee within this Tariff should not be construed as meaning that the service detailed will be either relevant or available to all mortgage account holders. The terms and conditions that apply to your mortgage explain the circumstances where a fee may become payable.

• tariff of mortgage fees

If you need to speak to us, simply call us on 0845 602 8301*

Lines are open:

*Calls are charged at your service providers prevailing rate & may be monitored and recorded.