Existing Mortgage Holders

This section has been created for existing Bradford & Bingley mortgage holders. We hope you find the information you are looking for, however if you need to contact us please call us on 0845 606 1414.

Interest rate changes
Following the reduction in the Bank of England Base Rate by 0.5% on 5th March 2009, the Bradford & Bingley Standard Variable Rate (SVR) remains 4.59%. Details of changes in our SVR can always be found in the Interest Rate section of our website. Please note not all Bradford & Bingley mortgage customers revert to the Standard Variable Rate. Please check your mortgage offer for exact details of the rate that applies to you.

Nationalisation of Bradford & Bingley mortgages - what this means for you
Following the decision to the take the mortgage assets of Bradford & Bingley Group into public ownership, you will undoubtedly have questions and concerns about this and what it means for you.

First, please be reassured that the recent changes will not affect your mortgage and it's terms and conditions in any way. You continue to owe the same amount to Bradford & Bingley under your mortgage as you did before, and you should continue to make your monthly payments as usual.

Unfortunately, we can no longer offer any new mortgages. Further loans will also no longer be offered unless in an exceptional circumstance where we deem it necessary to cover essential repairs to the mortgaged property. If you’re looking for a new deal or additional funds, you should contact us on 0845 606 1414 and we will be able to go through your options with you.We are always available to help if you are experiencing any difficulties making payments.

We have updated our FAQ section with some further information about the impact of the changes for our existing mortgage customers.