Important information
Here you will find important information about C&G mortgages and how they work.
Mortgage advice
Read about the advice you'll receive.
Go to Mortgage advice
Am I eligible?
A number of things will be considered when deciding how much to lend you. Find out more about some questions you may be asked.
Go to Mortgage considerations
Will I have to pay an application fee?
You'll need to pay an application fee if you're buying a home, moving your mortgage to us from another lender or you’re an existing C&G or Lloyds TSB mortgage customer borrowing more.
Go to Application fees
Will there be a product fee and how much?
With some of our mortgage deals there's a product fee to pay, with others there isn't. Usually, there's a choice, and you can get a lower rate in return for paying a higher fee or no fee and a higher rate.
Go to Product fees
Will I have to pay a valuation fee?
You may need to pay a valuation fee if you’re purchasing a property. Find out more about the valuation and the costs.
Go to Valuation fees
What are my options when repaying my mortgage?
Find out how long you can take to repay your mortgage, discover the differences between repayment and interest only mortgages and see how you can take your mortgage with you when you move. Plus, we’ll explain how paying your mortgage by Direct Debit can save you time and hassle.
Go to Repaying my mortgage
Are there charges for any services?
We do charge for some services when your mortgage is up and running – here you can find out which ones and how much.
Go to Charges
Surveys
If you're purchasing a property, it is essential that you arrange for a professionally qualified surveyor or valuer to inspect the property for you.
Go to Surveys
Free Legal Work
Free legal work is available if you are borrowing between £50,000 and £999,999 for a standard remortgage. Not available for Buy-to-Let mortgages.
Go to Free legal work
Will I have to pay an Early Repayment Charge?
If your mortgage has an Early Repayment Charge period, find out how much you can pay without facing a charge.
Go to Early Repayment Charges
Can I adapt my mortgage to suit my circumstances?
Find out how to make overpayments, how you could pay less some months and how you could take a complete break from your monthly payments. Also seek advice on what to do if you are having financial difficulties.
Go to Flexibility
How is interest calculated?
Here you'll find out how interest is calculated and what happens when the rate you are paying changes. Plus, we'll help you understand interest terminology.
Go to Interest
What happens when the Bank of England base rate changes?
Find out how a base rate change could affect your mortgage.
Go to Bank of England base rate change
What happens when my current mortgage deal ends?
In most cases your interest rate will switch to the Standard Variable Mortgage Rate, which at that time, could be higher or lower than the rate you will have been paying and may vary over the remaining term of your mortgage.
See our current Standard Variable Mortgage Rate
How is my data handled?
Before going ahead with your mortgage application you will be asked to formally consent to your personal information being searched.
Go to My personal data
