If your current mortgage deal is ending, or you're on our Standard Variable Rate (SVR), then you might be wondering how to switch your mortgage to a different deal.
We like to reward our loyal mortgage customers so we have a range of exclusive rates just for our existing customers.
If you are an existing mortgage customers who is looking to switch deals, you won’t need to go through any credit checks or underwriting, unless you want to borrow more or change your mortgage term.
Important Notice: Market Conditions
Due to ongoing market volatility, product availability and rates may change at very short notice. All products are offered on a limited basis. If you see a rate you’d like to secure, we suggest acting as early as possible to avoid disappointment.
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Showing all of our products
Initial rate
Followed by
Overall cost for comparison
Maximum LTV
Fees
2 Year Fixed Rate
Initial rate 4.65% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 4.80% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.55% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £1999
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 4.65% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 80%
Fees £1999
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 5.15% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.2% APRC
Maximum LTV 90%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.95% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 90%
Fees £999
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 5.00% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 5.9% APRC
Maximum LTV 90%
Fees £999
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 5.15% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 5.9% APRC
Maximum LTV 90%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 5.35% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 95%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 5.25% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 95%
Fees £999
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 5.30% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 95%
Fees £0
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 5.20% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 95%
Fees £999
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.90% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £0
Early repayment charge: Yes
5 Year Fixed Rate
Initial rate 4.90% until 31 October 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 80%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.79% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.2% APRC
Maximum LTV 70%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.49% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.2% APRC
Maximum LTV 70%
Fees £999
Early repayment charge: Yes
2 Year Fixed Rate
Initial rate 4.39% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 70%
Fees £1999
Early repayment charge: Yes
2 Year Fixed Rate - Buy to Let
Initial rate 5.15% until 30 November 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £0
Early repayment charge: Yes
2 Year Fixed Rate - Buy to Let
Initial rate 4.95% until 30 November 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
5 Year Fixed Rate - Buy to Let
Initial rate 5.25% until 30 November 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 80%
Fees £0
Early repayment charge: Yes
5 Year Fixed Rate - Buy to Let
Initial rate 5.05% until 30 November 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.0% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
2 Year Base Rate Tracker
Initial rate 4.25% until 31 October 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.2% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
2 Year Base Rate Tracker
Initial rate 4.99% until 30 November 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 95%
Fees £999
Early repayment charge: Yes
2 Year Base Rate Tracker - Buy to Let
Initial rate 4.99% until 31 December 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £999
Early repayment charge: Yes
2 Year Fixed Rate - Enhanced+
Initial rate 4.99% until 30 November 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.3% APRC
Maximum LTV 80%
Fees £1499
Early repayment charge: Yes
2 Year Fixed Rate - Enhanced+
Initial rate 5.50% until 30 November 2028
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.4% APRC
Maximum LTV 90%
Fees £1499
Early repayment charge: Yes
5 Year Fixed Rate - Shared Ownership
Initial rate 5.40% until 30 November 2031
Followed by 6.31% Standard Variable Rate
Overall cost for comparison 6.1% APRC
Maximum LTV 95%
Fees £0
Early repayment charge: Yes
What do these headers mean?
The starting rate of interest which will be charged on your mortgage.
After your initial rate period the interest rate will switch to the lenders Standard Variable Rate.
The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes.
The amount of your loan as a percentage of the total value of your property.
These could be reservation or administration fees that are payable on your mortgage deal.
The monthly repayment is calculated on a capital and interest basis and does not include any fees that may be payable.
Fixed rate representative example
A mortgage of £180,000.00 over 32 years on an initial rate of 5.35% fixed for 2 years followed by our Standard Variable Rate, currently at 6.31%, for the remaining 30 years would require 24 monthly payments of £980.08 and 360 monthly payments of £1,087.52. The total amount payable would be £415,028.07 made up of the loan amount of £180,000.00 plus interest of £235,028.07 and a mortgage exit administration fee of £130.00.
The representative example is for illustration only. Your actual costs and monthly payment will vary depending on your mortgage.
Variable rate representative example
A mortgage of £180,000.00 over 32 years on an initial variable rate currently at 4.99% for 2 years followed by our Standard Variable Rate, currently at 6.31%, for the remaining 30 years would require 24 monthly payments of £944.61 and 360 monthly payments of £1,091.56. The total amount payable would be £414,633.57 made up of the loan amount of £180,000.00 plus interest of £234,633.57, including a product fee of £999.00 and a mortgage exit fee of £130.00.
The representative example is for illustration only. Your actual costs and monthly payment will vary depending on your mortgage.
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Speak to one of our friendly mortgage team about your options.
0345 601 0014*Our lines are open 8am - 6pm, Monday to Friday.
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YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.