We've made changes to our offer validity period for New Build applications:
Applications offered from 26 June 2025 - are valid for 9 months (270 days). There is no extension available. A 15 day grace period will still apply subject to Certificate of Title (CoT) being received prior to original offer expiry.
Applications offered before 26 June 2025 - are valid for 6 months (180 days). we will consider extending by 45 days which is subject to eligibility. The 45 days is inclusive of the 15 day grace period, subject to the Certificate of Title (CoT) being received prior to original offer expiry.
You can use our online form (opens in a new window) to request an extension if your clients mortgage offer expires in 30 days or less.
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 need to confirm that there have been no material changes to the application. This includes, but not limited to:
- reduction in hours
- loss of job
- change in employment
- new loans
- credit cards.
Where you have declared material changes to income, we'll require up to date proofs and the case will be re-assessed. If we require proofs, we'll add a case requirement when we receive an extension request.
For non-simultaneous porting cases
If we agree to the offer extension, we'll 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. No further extensions will be available.
Please note: you can't apply for an extension when the offer has expired. You’ll be unable to make any material changes to the application once an offer has been extended.
Please contact your BDM 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.
Your client will receive an automated text message to confirm the offer is due to expire. This may happen even where the offer has been extended. The email you receive confirming the offer extension will supersede this. You may want to make your client aware to ignore this text message where an extension has been applied for and granted.