First charge mortgages

You can find the terms and conditions for your mortgage with your original loan documents but if you need them to be resent to you, please contact us on cm.customer@shawbrook.co.uk or 0345 650 6287.

We are available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm

We're closed on Sundays and public holidays. 

You can find the tariff of charges for your Shawbrook mortgage on our customer documents page, but if you would like us to send you a copy, please contact us on cm.customer@shawbrook.co.uk or 0345 650 6287.

We are available:
Monday – Thursday: 8am – 8pm
Friday: 8am – 6pm
Saturday: 9am – 2pm

We’re closed on Sundays and public holidays.

You can settle your first charge residential mortgage at any time.

Please contact our Customer Service team to request a settlement figure.

The settlement figure will include a discharge fee of £110. This charge covers the cost to remove our legal charge on your home. It’s also mentioned in your mortgage offer.  You can contact the team on 0345 650 6287. 

We are available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm

We're closed on Sundays and public holidays.

Your first charge residential mortgage is a capital and interest loan.  Each monthly payment covers the monthly interest on the loan and a proportion towards reducing the capital amount (the amount you borrowed). This means your loan balance reduces over the term of the loan and is repaid at the end of the loan term. 

This assumes that you don’t miss any payments during the term of your loan.

Yes, you can make an overpayment to your mortgage, as often as you like and at any time during the term of your loan without paying an Early Repayment Charge. Your monthly payments will not change, but the term of your loan will reduce accordingly.

You may need to evidence the source of funds you use to make an overpayment.

Please note that a £110 discharge fee applies when your mortgage is repaid in full.

If you have any queries, please contact us on 0345 650 6287. 

We are available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm

We're closed on Sundays and public holidays.

We do not offer a refund. Any overpayments you make will reduce the term of your loan but not the amount you have to pay each month.

If you have any queries, please contact us on 0345 650 6287. 

We are available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm

We're closed on Sundays and public holidays.

We’re here to help. If you are experiencing financial difficulty, please get in touch as soon as possible so that we can agree a solution that works for you. Speaking to us won't affect your credit file. However, missing payments may make obtaining credit difficult in the future. 

Please contact us to discuss this further on 03456 506 288. 

We are available:
Monday - Friday: 9am-5.30pm
We're closed at the weekends and on public holidays.

Our Money worries section on our website has details of organisations who can provide free, clear and impartial debt advice.

We are a responsible lender, and we will always deal with you honestly and sympathetically. Please contact our team if you can't afford the payments on your loan, so that we can discuss your circumstances, and look at ways that we can best support you. Speaking to us won't affect your credit file. However, missing payments may make obtaining credit difficult in the future.  

If you fail to make any of your repayments as required under the terms of your loan, you will incur charges and/or fees. These fees will be added to the amount that you owe, and you can find details of these  in the tariff of charges document on our documents page.

You can also find more support on our money worries page. 

Please contact us on 0345 650 6287.

We are available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm 
Saturday: 9am-2pm

We're closed on Sundays and public holidays.

If you’re managing the estate of someone who had a relationship with us, we’re here to help.

We work with the Death Notification Service (DNS) to make the process as simple as we can. 

Once you’ve used the service to let us know someone has passed, we’ll be in touch to let you know what the next steps are. If they had more than one account with us, there’s no need to tell us separately. We’ll check all Shawbrook accounts and let you know about them together. You can find out more about how to use the service on our dedicated bereavement page.

We no longer offer this service, so we are unable to extend your first charge residential mortgage.

If this is something you wish to consider, please contact an independent mortgage broker for advice. To find a mortgage broker in your area please visit www.unbiased.co.uk.

We no longer offer this service, so we are unable to offer additional borrowing on your first charge residential mortgage.

If this is something you wish to consider, please contact an independent mortgage broker for advice. To find a mortgage broker in your area please visit www.unbiased.co.uk.

You can only have one first charge residential mortgage on your home. If your new lender states that they need to be first charge, you’ll need to redeem your existing loan with Shawbrook so that your new lender can take first charge.

If you’d like to arrange a further charge on your property and your new lender is happy to register a charge behind our first charge, we may consider this. 

When we registered the first charge mortgage against your home, we also registered a restriction that prevents any other subsequent charges being registered against your property without our consent. This request is subject to application and review.

There are a few things we will consider when reviewing your application to arrange a second charge with another lender. This includes; how you’ve conducted your account, the total level of lending against your home, and total debt affordability. If your application does not meet our criteria, it will not be approved. 
 
What does this application involve?

• You will need to pay an administration fee of £75.
• This covers the administrative costs we incur when managing your application.
• We will need full details of the proposed new loan.
• On application, we will advise you of any further information we need to complete our review.
• Please note, your new lender may require a subsequent change questionnaire to be completed which will confirm the performance of your mortgage.
• There may be additional costs payable such as legal and/or surveyor fees. We will advise you of any additional costs at the start of the application.

We will only commence the application after you have given us permission. 
 
How can I pay these fees? Are they refundable if you don’t approve my application?
The administration fee is payable at the start of the application. The fee is non-refundable whether the application is approved, declined, or cancelled once we have assessed the application.

Please contact us on 0345 604 0989 or email sl.ops@shawbrook.co.uk to make a debit card payment. We do not accept cheques. We are open Monday - Friday: 9am-5.30pm. We're closed at the weekends and on public holidays.

We are unable to consider adding someone new to your existing Shawbrook mortgage.

If you wish to add someone new to your mortgage, this will need to be completed as a new mortgage application with another lender, and your existing Shawbrook mortgage will need to be repaid in full. For further guidance on how to start the mortgage application process, you should refer to an independent mortgage broker.

If your request relates to adding a person solely to the title of the property, please call 0345 604 0989 or email sl.ops@shawbrook.co.uk with the details. We are open Monday to Friday, 9am to 5.30pm.

We're closed at the weekends and on public holidays. We will then review your request and confirm our decision to you in writing. There may be administration and legal charges applicable which will we confirm to you upon your request.

We are unable to consider removing an existing customer from your existing Shawbrook mortgage.

If an existing customer wishes to be removed, this will need to be completed as a new mortgage application will another lender, and your existing Shawbrook mortgage will need to be repaid in full. For further guidance on how to start the mortgage application process, you should refer to an independent mortgage broker.

If your request relates to removing an existing customer as part of a Court Order, please call 0345 604 0989 or email sl.ops@shawbrook.co.uk with the details. We are open Monday to Friday, 9am to 5.30pm. We're closed at the weekends and on public holidays. We will then review your request and confirm our decision to you in writing. There may be administration and legal charges applicable which will we confirm to you upon your request.