Frequently Asked
Questions

You can view your mortgage detail in our online portal and receive notifications and letters securely. The portal gives you an up-to-date view of your mortgage balance and other key information. If you haven’t registered yet then please follow the link and use the forgotten password process. Please Contact us for any help managing your mortgage.

We understand circumstances change and sometimes you may want to change your Direct Debit payment date. If you would like to discuss changing your payment date, please Contact us and we will be happy to discuss this with you.

Yes, we can change the account we collect your monthly Direct Debits from. If you would like to discuss changing this, please Contact us on 0333 456 1471 and we will be happy to discuss this with you.

We're here to help you during times like these. It can feel easier to avoid a conversation and hope the situation gets better, but it's important that you get in touch so we can help. Please call our dedicated Servicing team on 0333 456 1471.

No, your mortgage should be paid with your own funds from your own bank account. We only accept UK Bank and Building Society accounts which allows Direct Debit payments.

You can make unlimited additional payments to your mortgage from your own funds without incurring an Early Repayment Charge. To make an additional payment please contact us on 0333 456 1471 and we will be happy to help you.

If you want to move house, you can sell your current property and pay off your April mortgage at any time without incurring any Early Repayment Charges.

We don't allow you to 'port' your mortgage to a new property, but you are free to repay from the sale of your current property without any early repayment charges being applied. We would of course love to offer you another April mortgage if we possibly can. Please ask your mortgage adviser about our latest products.

You cannot rent your house out under the Terms and Conditions of your mortgage.

We understand things change. If you have had a change in your circumstances, please contact us on 0333 456 1471 and we will be happy to discuss this with you.

In the months leading up to the end of your fixed rate product, we will write to you and to your broker to offer you a choice of new fixed rates from our product range at that time.

If you, or your broker do not get in touch with us to select a new product before the end of their existing product term, you will automatically move on to our Standard Variable Rate (SVR).

Unlike most lenders, our SVR uses the same Loan-to-Value bands as our fixed rate products and, as your Loan-to-Value reduces over time, your SVR automatically moves to a new, lower rate as it passes into a new Loan-to-Value band. Your new rate will be determined by your Loan-to-Value at the time the fixed product ends.

Your Loan-to-Value or LTV is your mortgage balance as a percentage of your property's value. For example, a loan of £320,000 on a property valued at £400,000 is an LTV of 80%.

As you pay off your mortgage balance over time, we automatically reduce your interest rate if you move into a new Loan to 

Value (LTV) band. Please see your mortgage offer for the LTV bands and rates for your mortgage.

As your balance decreases and you enter a new LTV band, we will automatically reduce your interest rate to the rate for the lower band listed in your mortgage offer.

For example, if you took out a mortgage with us at an LTV of 85%, once you had made enough payments to reduce your LTV to 80%, we would automatically lower your interest rate – you don’t have to do anything. We would continue to lower your rate every time you enter a new LTV band.

Our lowest LTV band is currently 60%, so your rate will not reduce any further after you have reached 60% LTV

Early Repayment Charges are only charged if you choose to refinance during your fixed rate period. You can sell your home, or pay off some or all of the outstanding mortgage balance from your own funds at any time without incurring an Early Repayment Charge.

If you think the value of your home has increased, you can request a new valuation, or your broker can request this on your behalf.  We will arrange a new valuation (you will need to pay for this in line with the Tariff of Fees and Charges published on our website). If your home has increased in value, then we will use the new valuation to accelerate the reduction of your LTV and reduce your rate if it has passed into a lower LTV band.

If the value of your home has decreased, we will continue to use the existing valuation held on our platform.  Your interest rate will not increase.

If looking to request a new valuation, we recommend that you consider whether the cost of the valuation might be greater than any potential reduction in repayments.

Our lowest LTV band is currently 60% so your rate will not reduce any further when you reach 60% LTV.

You can check your current balance in our 'My mortgage' online customer portal. To request a new valuation please Contact us or your Broker.

April mortgages are only available via selected mortgage brokers.  To find a mortgage broker who can advise on April mortgages visit the 'Find a broker' section of our website.

We only charge Early Repayment Charges if you refinance your mortgage during the product term. By refinancing we mean a financial (rather than life-stage or life-style) choice, paying off some or all of your April mortgage using money from another lender or changing from one April product to another April product during the product term.

Your mortgage broker can assess how much we can lend you by looking in detail at a range of financial information to determine if you can afford to borrow the amount of money you are requesting. Your broker will check your employment status, your previous credit profile and your current financial situation to determine if you can afford monthly repayments.

The following are acceptable sources of deposit: cash savings, inheritance, equity from the sale of current property, and gifted cash deposits from close relatives. Vendor deposits, gifted equity, or further borrowing are not acceptable sources of deposit.

We only accept properties of standard construction that have been built over 24 months ago. We don't accept: ex-local authority properties, flats in blocks of more than 10 stories (if over 3 stories must have a serviceable lift), studio flats or flats under 35m sq.

We're a standard residential lender and do not offer Buy-to-Let, second residential properties or bridging loans. We also do not take part in any purchase schemes such as Right to Buy, Help to Buy Wales, Deposit Unlock, Shared Equity or any other purchase scheme.

You can request a mortgage statement at any time by calling our dedicated Servicing team on 0333 456 1471. You can also do this by sending us a message with the dates you would like the statement to cover. Please Contact us to request this, we will be happy to help.

We will provide you an annual statement on or soon after the anniversary date of your mortgage. This will be readily available to view securely in our Online portal. If you haven’t registered yet, please use the forgotten password process to access.

Yes. Although we don't require a deposit for some of our products, you are still eligible to overpay, as much as you would like, over the term of your April mortgage. Once we receive your overpayment, we will apply this to your mortgage balance to reduce your Loan-to-Value (LTV). You can pay off some or all the outstanding mortgage balance from your own funds at any time without incurring an Early Repayment Charge (ERC). The money can be from your own savings, sale of other property, bonus or gifted to you. To make additional payments, please contact us on 0333 456 1471.