Switching to a new deal

If you're looking to switch to another mortgage deal, we've got a broad range for you to explore.

Step 1

We'll contact you

If your mortgage deal is coming to an end, we’ll write to you to let you know what to do and when the deal is ending.

Step 2

Have your details ready

To switch with us, you’ll need your account number. You’ll need extra information if you’re switching over the phone, so please have your most recent statement to hand.

Step 3

Switch your deal

Depending on your mortgage type, you have the option of switching to a new deal online or over the phone.

Commonly asked questions

Dates your Rate Switch will be completed

Commonly asked questions about switching

Switch online

It’s normally faster to switch online, so it’s an option if you already know what type of deal you need.

You can switch online if you:

Are comfortable choosing a new rate without advice
Don’t want to change any details such as your mortgage term, mortgage amount or repayment method
Are on a mortgage deal with less than four months left or your fixed rate has already ended
Don't have a Shared Ownership mortgage
Are up to date on your mortgage payments

Key information

If you have multiple parts to your mortgage, please see the Common questions for more information about choosing your next deal
If you want to make a capital payment you’ll need to call us on 03450 505 075 before switching online

Switch over the phone

Switching over the phone gives you the option of choosing a new deal with or without advice, depending on your mortgage type.

You can call to switch without an appointment if you:

Are comfortable choosing a new rate without advice
Don’t want to change any details such as your mortgage term, mortgage amount or repayment method
Are on a mortgage deal with less than four months left or your fixed rate has already ended

You’ll need to book an appointment if you:

Want the option of advice about your next deal. Please note that we can't advise you if you have a Buy to Let mortgage
Want to change any details such as your mortgage term, mortgage amount or repayment method
Have a Retirement Interest-Only mortgage
Are on a mortgage deal with more than four months left. You can find the date your deal ends on your mortgage statement or previous mortgage offer

You can call us on 03450 505 075 to get a list of products or book an appointment. You can also use our online system to arrange an advised appointment.

Please check our Help and contact page for our opening times.

Why stay with us?

Straightforward and simple process

If you don’t need an appointment, we’ll show you a range of deals available to you, you can pick one and we’ll provide a personalised offer.

No affordability or credit checks

As long as you're keeping the same mortgage amount, term and repayment type.

No valuation or legal fees

We shouldn’t need to do a new valuation of your property, and even if we do, we’ll cover the costs. Plus, you won’t need a solicitor.

Rate switch dates

Submit your application at least eight full working days before your current deal ends to ensure your new deal starts straight after your current deal ends.

In some cases, such as when a valuation is needed, more processing time may be required which could delay the new deal until the start of the following month.

If you are wanting to cancel and resubmit your Rate Switch application, please allow an additional 3 working days for us to process your cancellation.

Mortgage deal end date	New mortgage deal start date	Final date to submit your rate switch

Mortgage rate end date: (Required)

Select a date

Mortgage deal end date:
New Mortgage deal start date:
Final date to submit your rate switch: