As an existing residential borrower with the Cambridge, your ongoing customer satisfaction is very important to us. We aim to provide good service and good value.

We have won a number of awards for offering good value mortgages over the long term.  

In 2007, we added flexible features to our standard mortgage, providing many existing customers with more choice and control over the repayment of their loan.

And, as an existing member, you and your family qualify for our Families' Loyalty Bonus. 

Mortgage review
From time to time you may wish to review your mortgage with us, for example:

• To find out your current loan balance and the remaining term of your loan
• make a lump sum repayment or repay the loan more quickly
• you may want to borrow more money
• you may have decided to move house
• switch to another mortgage deal with us  
• you may need to discuss financial difficulties you are experiencing

The mortgage adviser at your local branch will be happy to help you.

If you have any questions or require any further information, please do not hesitate to contact us.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Borrowing more money
Arranging an additional loan to help finance home improvements or pay for a large purchase is simple. Contact the mortgage adviser at your local branch for more information.

Moving house
If you are planning to move house and need to arrange a new loan for your new home, contact the mortgage adviser at your local branch. We can help you finance your new home - even if you are moving away from the East Anglia area. We lend to existing borrowers throughout England and Wales.

Switching your mortgage
If you already have a mortgage with us and wish to switch to one of our latest fixed or tracker mortgages, our mortgage adviser will be able to help you to arrange this. We charge a reduced application fee to switch your mortgage to a different deal. In addition, you may have to pay an early repayment charge to move from the current deal you have, depending on the terms of your current loan.

Managing financial difficulties
If your personal financial circumstances should change causing you to experience difficulties in meeting your monthly mortgage payment (and for interest only mortgages your investment plan payments) you should contact us as soon as possible.

Our trained staff are here to help. They will be pleased to talk through the options available and will, as far as possible, help you to draw up a positive action plan. If you fail to make your monthly payments, and do not contact us, we may take action against you. Ultimately this may result in us taking possession of your home. Any legal fees that we incur in this process will be charged to you.

The Financial Services Authority (FSA) has launched a new website designed to help consumers take control of their finances. The new website includes a financial healthcheck to help assess your financial position, and a debt test to help you guard against taking on too much debt.

Financial Services Authority Money Made Clear 

Consumer Debt Test 

In addition, the Financial Services Authority (FSA) and the Building Societies Association (BSA) both have fact sheets to guide you if you can't meet your mortgage payments.

FSA: What to do when you can't meet your mortgage payments 

BSA: What should I do if I am having dificulty paying my mortgage