Offers are valid for 180 days, however for New Build we’ll consider extending this by 45 days, subject to eligibility.
If there are 30 days or less until their mortgage offer expires, you can use our online form to request an extension.
You should only contact us if the original offer is within 30 days of expiry. To help us process your request, please submit no later than 15 days before the offer is due to expire.
You'll also need to confirm that there have been no material changes to the application. This includes, but is not limited to; reduction in hours, loss of job, change in employment or new loans / credit cards. Where material changes to income are declared, we'll require up to date proofs and the case will be re-assessed. If proofs are required, we'll add a case requirement when an extension request is received.
For non-simultaneous porting cases, if the offer extension is agreed, we'll also agree to extend the 180 day non-simultaneous port period to the new offer expiry date.
If you know your client will be unable to complete within the extended offer period, please complete a new application as no further extensions will be available.
Please be aware that you can't apply for an extension when the offer has expired. Once an offer has been extended, you’ll be unable to make any material changes to the application.
If you have a client who is in the last month of their 180 day non-simultaneous port period without an offer in place, for example where they have not found a new property yet or their purchase has fallen through due to the impacts of Covid-19, please contact your BDM.
Your client will receive an automated text message to confirm the offer is due to expire, even though it may have been extended. This is nothing to be concerned about and the email you receive confirming the offer extension supersedes this. You may want to make your client aware to ignore this text message where an extension has been applied for and granted.