A product transfer (or switch) is moving your current Godiva mortgage onto a new deal with us.

We’ll get in touch with you four months before your deal ends, so you’ve got time to look at your options. You can secure a new deal within those four months, with the flexibility to change it if things change.

As an existing member, you’ll have access to rates that are as good as – or better than – those offered to new customers.

Many people choose to switch because it’s quick and straightforward. You can apply online or speak to our friendly team, who’ll be happy to talk you through your options.

If you pay extra towards your mortgage, the amount you pay will determine whether it’s treated as a capital repayment or an overpayment.

If you’d like to make extra payment(s) on your mortgage please call us first on 0800 121 6162 to discuss your options.

You might need some help to pay for essentials like home repairs or improvements. As long as you can afford it and you are within our loan to value criteria you could apply to borrow more money.
 

You must have had your mortgage with us for at least six months and made six consecutive monthly payments to borrow more.
 

If you want to borrow more to make green efficient changes, we have a dedicated range and incentive for you.

We're here to help if you’ve missed a mortgage payment or you’re worried you will. We know it can be hard to talk about money, but the sooner you get in touch, the more time we’ll have to support you.

Please call us to discuss your options. If you would prefer to see what option we have before calling please read our payment difficulties page.