Switching your mortgage

If your current mortgage product is ending soon, here is what you need to know about choosing your next one.   

Switching your mortgage with us is easy 

• You could switch up to 3 months before your current mortgage product ends, without paying early repayment charges.
• We offer exclusive rates for existing customers. 
• In most cases, we won’t need to check what you earn or spend again unless you want to borrow more or change how long your mortgage term lasts.  

How it works

Step 1: We will write to you 

Around 16 weeks before your mortgage product ends, we’ll send you a letter. Most people can switch to a new product with us online. If you are eligible to switch online your letter will include the code you need. If your letter does not have a code it means you just need to give us a call to switch to a new product. 

You can find more help on this further down the page. If you need more time to decide, don't worry. We’ll send reminders as your mortgage product end date gets closer.

Step 2: Choose your new mortgage product

If you are confident you don't need advice, you can look at our existing mortgage products and choose the one that suits your needs. If you didn't receive a code, you can call us on 0345 601 0014* to ask a member of the team to switch you to your chosen product. You can also secure a new rate now, and change your mind up to 2 weeks before your new product starts. 

If you’re not sure which option is right for you, our Mortgage Advice team is here to help. You can book an appointment by completing our online form, or by calling us on 0345 601 0014* (Monday to Friday, 8am to 6pm). Mortgage Adviser appointments are available Monday to Friday, 8am to 8pm, and Saturday, 9am to 3pm.  

Or, you can speak to your mortgage broker if you used one. They have access to all our existing customer products.

If you do not choose a new mortgage product, when your current product comes to an end you will automatically move to our Standard Variable Rate (SVR). 

Key dates  

To start your new rate in the month after your current mortgage product ends, we must receive your request for your new product at least 2 weeks before your current product ends. You have 2 weeks to change your mind before your new rate and monthly payment are set. If we receive it later, the new rate may not start until the following month. 

You can also switch up to 3 months before your current mortgage product ends, without paying early repayment charges.

Switching before your mortgage product is ending

You don’t need to wait for your current product to end before looking at your mortgage. 

If you are more than 4 months away from your current mortgage product ending, our Mortgage Advisers can still talk you through your options. This includes whether you can make changes to your current mortgage, such as taking it with you to a new home, borrowing more, or changing your mortgage term. Lending is subject to affordability checks. 

You can book an appointment by completing our online form, or by calling us on 0345 601 0014* (Monday to Friday, 8am to 6pm). Mortgage Adviser appointments are available Monday to Friday, 8am to 8pm, and Saturday, 9am to 3pm.  

Switching when you’re on our Standard Variable Rate or don’t have a code 

You won’t be able to switch online if:  

• You are on our Standard Variable Rate (SVR). 
• You have more than one mortgage product with us. 
• You think the property value we have used is wrong. 
• Something in your life has changed, such as your job or income. 
• You want help choosing a new mortgage product. 

If you want to choose a new mortgage product without getting advice, call 0345 601 0014* (Monday to Friday, 8am to 6pm). 

If you are not sure which product is right for you, or your situation has changed, you may need mortgage advice. You can: 

• Fill in an online form to book an appointment. 
• Call 0345 601 0014* to book an appointment with one of our Mortgage Advisers (Monday to Friday, 8am to 6pm).   

Mortgage Advice appointments are available Monday to Friday 8am to 8pm, and Saturday 9am to 3pm.  

Or, you can contact a mortgage broker who will also have access to our existing customer products.