Current mortgage deal ending?

Switching your mortgage product couldn’t be simpler

You can secure a new rate up to 3 months before your existing rate ends.

If you know the rate you want to switch to you can switch your rate online in as little as 10 minutes.

Review our mortgage rates for existing customers

Option 1 - Transfer to a new mortgage with us

Switching your product couldn't be simpler...

No legal fees
No valuation fees

If you have 3 months or less remaining on your existing product you can prebook a product for when your current product expires without paying any early repayment charges.

If your current deal would revert to our Standard Variable Mortgage Rate or you are already on our Standard Variable Mortgage Rate, and you decide to switch to a new mortgage deal, this rate will not be available at the end of your new deal. Instead, your interest rate will automatically change to the Homeowner Variable Rate or Buy to Let Variable Rate.

If your existing mortgage is already on interest only, we’ll need details of any repayment plan(s) in place being used to repay the mortgage at the end of the term.

How to Apply

You can apply online, by phone or come into your local branch.
If you already know what product you want, you can apply online or over the phone without receiving advice, we call this ‘execution only’. If you chose to apply via execution only you will be responsible for your choice of mortgage product.

If you’re unsure what option is best for you or would just like to discuss your options one of our Mortgage Advisors, you can arrange an appointment over the phone or at a local branch. Our Mortgage Advisors will fully review your individual needs and circumstances and recommend a product that is right for you.

If you know what you want...	If you need support from a Mortgage Advisor...
Apply online or by phone	Apply by phone or at your local branch
If you know which product you want and don’t require advice from one of our Mortgage Advisors If your mortgage is a Buy to Let and you already know which product you want If your mortgage deal is ending within 3 months or you are already on one of our variable rates You have a UK correspondence address If you or your family are living in the property If none of your loans have less than 2 years left on their term If you are not in financial difficulty or you are not a vulnerable customer You don’t need to make any additional changes to your mortgage You’re not looking for any additional borrowing Call us on 0800 056 1088 Select option 5, option 1 followed by option 1.	If you’re not sure which product is right for you, one of our Mortgage Advisors will advise you of the most suitable product for you If your mortgage deal is ending within 3 months or you are already on one of our variable rates If you want to make other changes to your mortgage as well as switching your product: - Change of mortgage term - Change of repayment type (e.g. interest only to capital and interest) If you want to take any additional borrowing If you're letting your property If any of your loans have less than 2 years left on their term If you are in financial difficulty or you are a vulnerable customer You have a non-UK correspondence address

If you know what you want...

If you need support from a Mortgage Advisor...

Apply online or by phone

Apply by phone or at your local branch

If you know which product you want and don’t require advice from one of our Mortgage Advisors
If your mortgage is a Buy to Let and you already know which product you want
If your mortgage deal is ending within 3 months or you are already on one of our variable rates
You have a UK correspondence address
If you or your family are living in the property
If none of your loans have less than 2 years left on their term
If you are not in financial difficulty or you are not a vulnerable customer
You don’t need to make any additional changes to your mortgage
You’re not looking for any additional borrowing

Call us on 0800 056 1088

Select option 5, option 1 followed by option 1.

If you’re not sure which product is right for you, one of our Mortgage Advisors will advise you of the most suitable product for you
If your mortgage deal is ending within 3 months or you are already on one of our variable rates
If you want to make other changes to your mortgage as well as switching your product:
- Change of mortgage term
- Change of repayment type (e.g. interest only to capital and interest)
If you want to take any additional borrowing
If you're letting your property
If any of your loans have less than 2 years left on their term
If you are in financial difficulty or you are a vulnerable customer
You have a non-UK correspondence address

Option 2 - Stay on the variable rate

Features and benefits

No early repayment charges
Make unlimited overpayments

What happens with this option?

Your rate will automatically move onto the variable rate.
As it's a variable rate, your monthly payments could go up and down.

What is my variable rate?

View our variable mortgage rates
You can also find details of your variable rate in your mortgage illustration

Next steps

There's no need to do anything if you want to stay on this rate. We'll write to you and confirm the Variable Mortgage Rate that applies.

Start your application online

With no credit check and no documents required, you can switch to a new mortgage deal in as little as 10 minutes.

Start online

Call us

Need help understanding your options? Call us on 0800 056 1088 or request a call back here.

Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

Speak to an adviser

Request a call back from a Mortgage Expert who can arrange a convenient time to discuss your mortgage needs, or you can get in touch via our live chat facility.

Book a call