You can request a term extension quickly and easily by completing the form below. It should only take a few minutes. 

We could extend your mortgage term, providing the extension doesn't take you into retirement or beyond the age of 70 and your mortgage payments are up to date.


  1. Complete the form below. It should only take a few minutes.
  2. We’ll write to you to confirm your mortgage term has been extended, and confirm your new monthly payment.
  3. If your mortgage has different parts, they will all be extended the by the same length of time. 
  4. We’re much busier than usual, so it may take up to ten working days for your term extension to take effect.
  5. Your term extension and new monthly payment will start from next month provided we have received your request by the 23rd of the month.
  6. If your new mortgage term takes you beyond your retirement age or age 70 a different term will be required. You can reduce the length of the term extension or you can contact an independent mortgage adviser to discuss your options.
  7. It’s important you understand that the longer you take to repay your mortgage, the more interest you will pay over the remaining term of the mortgage.
  8. When you receive the letter confirming your new monthly payment amount and when this applies from, if you change your mind, you have six months from receipt of this letter to cancel. We'll explain how to do this in the letter.


We’ll ask you for your 11-digit mortgage account number ending in 00, so it’s worth making sure you have it to hand. You can find this in Internet Banking, or on any letters we’ve sent you about your mortgage.

Please provide information marked with an asterisk (*).

Please enter number of year(s) up to 35


By continuing you will not be protected by the Financial Conduct Authority’s rules that apply to customers who have taken advice

This is because:

  • We won’t assess if this term extension is right for you.
  • You will not receive any advice or recommendations from Scottish Widows Bank.



We'll write to the address we have for you to confirm your term extension is in place, what your new monthly payment will be and when the new payment will apply from.

Your term extension and new payment will start from next month.

If you pay by Direct Debit
You don’t need to do anything.  We’ll apply the changes needed to your monthly payment after we have applied the term extension.

If you pay another way
We'll write to you to confirm your term extension and new monthly payment amount. You should change your payment instruction to reflect the new payment amount.




Data Privacy Notice

Who looks after your personal information

Your personal information will be held by Lloyds Bank plc, trading as Scottish Widows Bank, which is part of the Lloyds Banking Group. More information on the Group can be found at

How we use your personal information

We will use your personal information:
- to provide products and services, manage your relationship with us and comply with any laws or regulations we are subject to (for example the laws that prevent financial crime or the regulatory requirements governing the products we offer).
- for other purposes including improving our services, exercising our rights in relation to agreements and contracts and identifying products and services that may be of interest.

To support us with the above we analyse information we know about you and how you use our products and services, including some automated decision making. You can find out more about how we do this, and in what circumstances you can ask us to stop, in our full privacy notice.

Who we share your personal information with

Your personal information will be shared within Lloyds Banking Group and other companies that provide services to you or us, so that we and any other companies in our Group can look after your relationship with us. By sharing this information it enables us to better understand our customers’ needs, run accounts and policies, and provide products and services efficiently. This processing may include activities which take place outside of the European Economic Area. If this is the case we will ensure appropriate safeguards are in place to protect your personal information. You can find out more about how we share your personal information with credit reference agencies below and can access more information about how else we share your information in our full privacy notice.

Where we collect your personal information from

We will collect personal information about you from a number of sources including:
- information given to us on application forms, when you talk to us in branch, over the phone or through the device you use and when new services are requested.
- from analysis of how you operate our products and services, including the frequency, nature, location, origin and recipients of any payments.
- from, or through, other organisations (for example card associations, credit reference agencies, insurance companies, retailers, comparison websites, social media and fraud prevention agencies).
- In certain circumstances we may also use information about health or criminal convictions but we will only do this where allowed by law or if you give us your consent.

You can find out more about where we collect personal information about you from in our full privacy notice.

Do you have to give us your personal information

We may be required by law, or as a consequence of any contractual relationship we have, to collect certain personal information. Failure to provide this information may prevent or delay us fulfilling these obligations or performing services.

What rights you have over your personal information

The law gives you a number of rights in relation to your personal information including:
- The right to access the personal information we have about you. This includes information from application forms, statements, correspondence and call recordings.
- The right to get us to correct personal information that is wrong or incomplete.
- In certain circumstances, the right to ask us to stop using or delete your personal information.
- The right to receive any personal information we have collected from you in an easily re-usable format when it’s processed on certain grounds, such as consent or for contractual reasons. You can also ask us to pass this information on to another organisation.

You can find out more about these rights and how you can exercise them in our full privacy notice.

Other individuals you have financial links with

We may also collect personal information about other individuals who you have a financial link with. This may include people who you have joint accounts or policies with such as your partner/spouse, dependents, beneficiaries or people you have commercial links to, for example other directors or officers of your company.

We will collect this information to assess any applications, provide the services requested and to carry out credit reference and fraud prevention checks. You can find out more about how we process personal information about individuals with whom you have a financial link in our full privacy notice.

How we use credit reference agencies

In order to process your application we may supply your personal information to credit reference agencies (CRAs) including how you use our products and services and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time, information on funds going into the account, the balance on the account and, if you borrow, details of your repayments or whether you repay in full and on time. CRAs will share your information with other organisations, for example other organisations you ask to provide you with products and services. Your data will also be linked to the data of any joint applicants or other financial associates as explained above.

You can find out more about the identities of the CRAs, and the ways in which they use and share personal information, in our full privacy notice.

How we use fraud prevention agencies

The personal information we have collected from you and anyone you have a financial link with may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found in our full privacy notice.

Our full data privacy notice

It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice, which you can find at - or you can ask us for a copy.

How you can contact us

If you have any questions or require more information about how we use your personal information please contact us using You can also call us on 0345 845 0829 (or 0044 131 535 0460 from overseas).

If you feel we have not answered your question Lloyds Banking Group has a Group Data Privacy Officer, who you can contact on 0345 845 0829 (or 0044 131 535 0460 from overseas) and tell us you want to speak to our Data Privacy Officer.

Version Control

This notice was last updated in September 2020.