Request an Owner Occupier product offer

The Owner Occupier mortgage product offer form has been designed for existing mortgage customers.

As you come to the end of your current mortgage product, providing you don’t want to borrow any more money, you can change to a new mortgage product without receiving any advice from us in respect of which mortgage would be suitable. Instead, you decide for yourself which one best suits your circumstances. This is called the ‘execution only’ route.

By choosing to proceed on an execution only basis, you won’t receive some Financial Conduct Authority (FCA) protections normally given to customers who receive advice. For example:

• The rules that require us to obtain all information on you as a customer to ensure that a mortgage is suitable for your needs and affordable won’t apply. This means that we won’t check that the mortgage is appropriate. Instead, you’re taking responsibility that this mortgage is right for you – in particular the amount, method of repayment and the term.
• If you need to complain in the future about the suitability of this mortgage, it’s unlikely that the Financial Ombudsman Service who settles disputes between consumers and customers will accept your complaint.

Of course, you have the option to speak to one of our in-house advisers if you prefer.

Next steps

Simply complete this form, selecting the product you are interested in and our Family Service Team will send you a mortgage product offer and other documentation including a mortgage switch form, for you to complete and return to us. If you are going through a broker, please ask them to contact us directly.