Making changes
In some circumstances, you may be able to transfer your mortgage to another property without increasing the amount you’ve borrowed. This is called porting your mortgage and we’ll need to make sure that you can still afford the payments after we make the change. To do this we will carry out a credit check and an affordability assessment on all applicants. We’ll also need to check that the new property is suitable security for the mortgage. Please call us on 01252 812 271 (Option 6). Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
Things you should know
- If you’re moving home it will be helpful to have information like payslips, bank statements and how much you spend on day-to-day living expenses ready to send to us.
- All applicants for a new homeloan will need to provide us with proof of income.
- If you’re looking to port your Buy-to-Let mortgage, we’ll ask for the anticipated rental income and expenditure for the new property.
- As part of your application, you will need to appoint a solicitor and pay any associated costs. You’ll also need to cover the cost of the solicitor acting for us.
- There is a non-refundable application administration fee (‘Porting Fee’)to port your mortgage to another property which is outlined in our Tariff of Mortgage Charges.
- You’ll also need to cover the cost of a valuation of your new property.
- A copy of your new signature
- A copy of your old signature
We’ll also need one of the following documents:
- Marriage certificate
- Decree absolute
- Birth certificate
- Change of name deed/Deed Poll (known as Statutory Declaration in Scotland)
- Civil partnership certificate
We don’t need to see original documents. We’ll accept copies which have been certified by a professional body, such as a:
- Solicitor or notary
- Chartered Accountant
- Bank or Building Society official
- Post Office
- Councillor
- Minister of religion
- Teacher or lecturer
The documents must:
- Say ‘certified to be a true copy of the original seen by me’ in writing
- Be signed and dated
- Have the name printed under the signature
- Include occupation, address and telephone number
There may be a charge for doing this
- If you have a Buy-to-Let mortgage with us and need to let us know you’ve moved, please call us on 01252 812 271 (Option 6) to let us know your new address.
- If your mortgage with us is for the house you live in and you’re moving out, please talk to our team on 01252 812 271 (Option 6) so that we can understand your circumstances and take your new address.
We’ll need to speak to each person whose address needs updating and we’ll send out a letter confirming once the change has been made.
Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
We’ll check your new address against Equifax records. If they don’t match, we may need documents from you. We’ll talk to you about this.
If you need to vary the lease on your property, please give us a call on 01252 812 271 (Option 6) to let us know.
You’ll need to appoint a solicitor and pay any associated costs. You’ll also need to cover the cost of the solicitor acting for us.
There’s a non-refundable application administration fee which is outlined in our Tariff of Mortgage Charges.
Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
Removing someone from the mortgage
You may be able to remove a borrower from your mortgage without increasing the amount you’ve borrowed. This is called a change of parties or transfer of equity. Before we can do this, we’ll need to make sure that you can still afford the payments after we make the change. To do this we’ll carry out an affordability assessment and request documentation to make sure that it won’t put too much strain on your finances.
We’ll let you know the outcome of the checks. You’ll need to appoint a solicitor and pay any associated costs. You will also need to cover the cost of the solicitor acting for us.
There is a non-refundable application administration fee which is outlined in our Tariff of Mortgage Charges.
Please call us on 01252 812 271 (Option 6). Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
Things you should know
- There needs to be an original borrower remaining on the mortgage. If you wish to remove all original borrowers or add someone new, you’ll need to apply for a new mortgage with another lender.
- Where the mortgage is on your home, it will be helpful to have information like payslips, bank statements and how much you spend on your day-to-day expenses ready to send us. Work out how much you can afford using our helpful Income & Expenditure Form.
- For Buy-to-Let accounts, we’ll need to understand the rental income and expenditure for the property. You can submit this to us using our online Buy-to-Let Income & Expenditure Form.
- As part of your application, you’ll need to appoint a solicitor and pay any associated costs. You will also need to cover the cost of the solicitor acting for us.
- There’s a non-refundable application administration fee to carry out a change of parties application. The amount is shown in our Tariff of Mortgage Charges.
The Making changes section our Manage Account page explains how to change information we hold about you, such as changing your name and correspondence address. You can also find information in the Making Changes section of our FAQs page.
If you don’t find the information you need, please give our Customer Services team a call on 01252 812 271 (Option 6). Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
We’ve got details of changes you can make to your mortgage, and what we’ll need, on our Manage Account page. You can also give our Customer Services team a call on 01252 812 271 (Option 6). Phone lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
This allows someone else to talk to us about your account without you being there.
You may find this helpful if you need some help managing your finances or find it difficult to speak to us about your situation. If you’re unwell, or your circumstances mean you can’t call us, you may find it reassuring to know someone else can do this for you.
There is more information about how to add a third-party authority to your account in the Third-Party Authority section of our Manage Account page.
CHL does not offer further advances.
For advice on new mortgages or remortgages you should speak to your Financial or Mortgage Adviser.