Standard borrower

An integral part of our mortgage service is the products and services we offer exclusively for the benefit of our existing borrowers, including new mortgage savings and additional secured loans for both home improvements and capital raising. If you are looking for a additional secured loan please select Further Advance from the left hand menu for further details.

For existing customers our Downloadable Forms page allows you to obtain various documents which you may need during the lifetime of your mortgage.

As an existing customer, whether you are moving home or coming to the end of your current product terms we can offer you a number of alternatives.

Not moving home?

At the end of your current product terms, you may be eligible to benefit from the mortgage products available to new customers, subject to a cost to transfer.

For further information please select the product link below or contact Customer Centre on 01372 747771.

Existing Customer Owner Occupier

please click here for further information on our mortgage products

^ Not payable on automatic reversion to Standard variable rate at the end of existing fixed/discount/tracker product terms.

* Available on a capital and interest repayment basis only. Maximum age limit of 75 (in joint cases this applies to the older applicant) Minimum property value £200,000. 10 year mortgage term minimum.

If you are moving home...

If you are an existing National Counties borrower and you are planning to move home the options available to you depend on whether or not your existing mortgage product terms include an early repayment charge.

Your options:

1.   If your existing mortgage product does not have an early repayment charge

You can apply for any of our currently available products. Simply select Standard Mortgages from the left hand menu and browse the mortgage products which are available for property purchase.

2.   If your existing mortgage product does have an early repayment charge

Changing product will incur an early repayment charge. To avoid this, as long as the property you are moving to meets our standard lending criteria you can apply to transfer your existing mortgage product terms to a new mortgage on the new property. No early repayment charge will become payable provided your sale and purchase take place at the same time.

In addition, if you require a larger loan than you have at the moment you can select a new product from those currently available for property purchase for the additional borrowing you need.

Alternatively, if you intend to repay part of your existing mortgage when you move please remember to check the terms applying to establish how much the early repayment charge will be. The charge will only be applied to the amount of the loan repaid.

Whichever route is right for you please remember to apply for your new mortgage in good time. 

Existing Customer Mortgage Saving

As an exclusive benefit for existing customers* taking out a new mortgage with us we will waive our standard processing fee (which includes the cost of our valuation of the property), a saving of at least £325 compared with our standard charges.

* The saving is available to all existing borrowing customers moving house and to all existing savers who have held an account with us for a minimum of 12 months, with a minimum balance of £250, and are moving home or remortgaging to the Society. Should an application submitted under the existing customer product terms not proceed for any reason following valuation, the Society reserves the right to collect the processing fee for any subsequent applications.

Borrowers must be aged 18 years or over and to comply with legislation the Society will need to confirm identity prior to completion of the mortgage. Details of the identification needed will be supplied on request. Loans are subject to valuation and status. Additional security may be required

Security will be required for the loan.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE