Insurance
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Why have I received a letter requesting a copy of my buildings insurance schedule?
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What happens if I don’t have buildings insurance?
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Can I arrange my own buildings insurance?
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What is a financial interest only policy?
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What happens to my insurance when the property is taken into possession?
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What should I do if I need to make a claim on my buildings insurance arranged through Paratus AMC Limited?
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How can I contact the insurance team?
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What is an acceptable buildings insurance schedule?
Payments
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How can I make payments to the mortgage?
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How can I set up a Direct Debit?
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Can I change my Direct Debit details?
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Can I change my payment date?
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My Direct Debit hasn’t collected – Why?
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Will you try and collect my Direct Debit again?
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Will cheques be re-presented if the payment is returned unpaid?
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Why has my monthly payment increased?
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Do you offer payment holidays?
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I can’t make my payments this month – What can I do?
My Mortgage
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Why is my current balance higher than the amount of the advance?
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Can I make a Lump Sum Overpayment?
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I have a Repayment mortgage but my balance has hardly reduced – Why is this?
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Can I change my interest rate / product?
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I have an Interest only mortgage and do not have a repayment vehicle in place to redeem the mortgage at the end of the term – What should I do?
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Can I change the repayment method of my mortgage?
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How often is my interest rate reviewed?
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Is my interest calculated on a daily or monthly basis?
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How are my fees and charges repaid?
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What is the LIBOR rate?
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What is the Bank of England Base Rate?
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Why has my interest rate increased when the Bank of England Base Rate has not changed?
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Can I change the term of my mortgage?
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Can I borrow more money against my property?
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Can you send me a copy of the deeds to my property?
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Can I request a copy of my mortgage statement?
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How do I find out what charges could be applied to my account?
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What should I do if I am experiencing problems making my monthly payments?
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Can someone visit me to discuss my circumstances?
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Can I move my mortgage to another property?
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I think my account repayments may have been allocated incorrectly
Redeeming your Mortgage
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I want to repay my mortgage, how do I find out the amount owed?
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Do I need a Solicitor to redeem my mortgage?
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Will I incur any charges to redeem my mortgage?
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What will happen if I pay too much on redemption?
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What will happen if I pay less than required on redemption?
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My account is redeemed but it is still showing I have a mortgage with you?
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What will happen to my deeds when my mortgage is repaid?
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Am I due a refund of my Mortgage Exit Administration Fee (MEAF)?