Mortgage loan contractual changes and permissions
I want to sell, rent, or make changes to my property
You'll need permission from the bank to sell, rent, or make changes to the property. You can request permission via chat, and a mortgage manager will explain the process based on your request.
We'll carry out a few checks and issue the document as soon as possible, or we'll let you know if we need anything else before it can be issued. This can take up to 5 working days.
Find out more about applicable fees on the Mortgage Loan Fees page.
Getting permission to refinance with another bank
If you're looking to refinance your mortgage loan, you'll need permission from your initial lender. This can be requested via chat. This refinancing permission confirms exactly how much you still owe, which lets your new lender move forward and formally secure your property for the new loan.
You don't need to ask for permission if you already qualify for simplified refinancing. The new bank you want to transfer your mortgage to will handle all the necessary permissions and paperwork for you.
If you're eligible, we'll carry out a few checks and issue the document as soon as possible or we'll let you know if we need anything else before it can be issued. This can take up to 5 working days.
How to make changes to a mortgage agreement
If you want to make changes to your mortgage loan agreement, we'll need to assess your new financial situation, and you may need to fill out an application. You'll also need to give some information about the changes you want to make.
Start a chat to let us know about the changes you need, or how your situation has changed. A mortgage manager will explain the process based on your request.
We'll let you know the outcome of the change request. If it's successful, you (and your co-borrower, if applicable) will need to sign a contractual change agreement with Mobile-ID or Smart-ID. Find out more about any applicable fees on the Mortgage Loan Fees page.
If you’re struggling to make repayments
If you're having any difficulty making repayments, get in touch via the in-app chat and we'll help in any way we can. This might look like:
- Delaying your credit repayments, and paying interest-only for an agreed amount of time
- Adding more time to your loan period
- A combination of the above options