Help with switching your mortgage
Am I entitled to switch?
Who can switch to a new mortgage deal?
Further information about switching
What interest rate will I be charged?
How do I apply to switch my mortgage?
How do I switch to a new deal?
If you are not sure what a particular word or term means then take a look at our mortgage glossary.
Your home may be repossessed if you do not keep up repayments on your mortgage
Who can switch to a new mortgage deal?
Anyone can apply to switch their mortgage with us, whether you're an existing mortgage customer or your deal is coming to an end with another bank or building society, give us a call to find out more. Please note, your bank or building society may levy a charge for switching your mortgage.
When can I switch?
If you're paying interest on your mortgage at standard variable rate or your current deal is due to end within the next 3 months, you can arrange your new mortgage now, subject to eligibility. If not, you may still switch but you might have to pay an Early Repayment Charge.
Further information about switching
What interest rate will I be charged?
View our product range or find interest rates by your loan to value.
If you're looking for peace of mind that the interest rate you pay won't change, a fixed rate mortgage may be the best deal for you.
A tracker rate mortgage will track against the bank of England base rate and will change as this rate goes up or down.
A discount mortgage is a reduced rate against our Standard Variable Rate. It is a variable rate mortgage and therefore payments will go up and down.
Our range of available mortgages may vary from the above and is subject to change. We may also have from time to time mortgage promotions or cashback offers available.
Are there any fees?
Fees will apply, depending on your circumstances and the mortgage deal you are applying for. For example, there may be an arrangement fee for the mortgage. Existing mortgage customers pay a lower arrangement fee than new customers. Other fees apply as standard for all mortgages - mortgage services fees and mortgage valuation fees. For full guidance on the fees that will apply for you please call us on 0800 072 1100 and ask us for a personalised illustration.
How do I apply to switch my mortgage?
How do I switch to a new deal?
To switch to a new mortgage deal you can call us on 0800 072 1100 or visit your nearest branch. Our mortgage consultants will guide you on the options available.
