You could lower your monthly payments by making your mortgage term longer, or pay less interest overall by choosing a shorter term.
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Want to change the term of your mortgage?
For residential mortgages, you apply to increase your mortgage term via the app or online banking.
However, if you:
- Have a buy to let mortgage
- Any part of your mortgage is interest only
- Want to reduce your mortgage term
- Would like advice on changing your term
You'll need to call us to book an appointment with our mortgage team to complete the application.
Information Message
The longer your mortgage term the more interest you will pay over the life of the mortgage. If you’re worried about keeping up with your payments, please contact us so we can help. You can also visit our Mortgage Support hub for more information.
More help with your mortgage
Need some help? Speak to our mortgage team
Call us
We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process.
Call us on 0345 302 0190
Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.
Reviewed by: Financial Promotions Approvals team
Last updated on: 23/04/2026