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If your existing mortgage deal is coming to an end or you want to switch to another deal, we've got a great range of mortgages to choose from.

Early Repayment Charges apply and other fees and charges may apply.

How does it work?

Finding a new mortgage deal, including the monthly repayments, is easy and simple with our online switching form - this takes about 5 minutes to complete. There are no credit searches or affordability checks to go through and you don't need to be registered for online access to do this.

What you will need


Your current address details.


The mortgage account number.


You may need to answer some security questions.

You should make sure you carefully read the Initial Disclosure Document (85 KB) before requesting a transfer.

Switch your deal

Some things to be aware of

You should only use the online switching form if:

  • You're sure that you don't need advice on our mortgage deals
  • You don't need to make any other changes to your mortgage (such as changing the mortgage term or making a lump sum payment).
  • The part or parts of your mortgage being transferred are on a repayment basis (capital & interest). You cannot transfer an a mortgage which is on an interest only basis.

If you are not eligible to switch your deal online or would like some advice, find out how to get in touch.


Check if you're eligible

It's worth taking a moment just to check you meet our standard eligibility criteria:

The property should be your main residence, or there should be an authorised letting in place.

Your mortgage must have less than one month's arrears (maximum amount of £100 at the time of transfer) and no more than one missed payment in the past 12 months.

The part(s) of your mortgage being transferred must have a remaining term of at least the same as the new deal.

The total amount being moved to a new deal must be at least £10,000.

You must pay any Early Repayment Charges on your existing mortgage, as applicable.*

You must meet all our other normal lending criteria.

Your current mortgage mustn't have conditions preventing you from changing deal. We'll let you know if this is the case.


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What happens next?


As long as you meet our eligibility criteria, we'll send through your formal transfer offer in the post within five working days.


You’ll need to sign the acceptance and advice waiver form and send it back to us within 14 days of the offer date.


We'll change you over to your new mortgage deal as soon as we receive your acceptance and your existing mortgage deal ends.


We'll get in touch by post to confirm your new payment amount and then you're all set.

Need to pay your fees?

As soon as you receive your offer from us in the post you can pay any outstanding Product Fee or Early Repayment Charges. You can do this by calling us on 0345 1200 822* or if you prefer, you can visit us in branch .

*Please note:

You should check your mortgage statement to see if you are still within your Early Repayment Charge (ERC) period for any part of your mortgage. If this is the case, then charges will apply should you do a transfer.

If the ERC period ends within the next 90 days, you can apply for your transfer now but it will not take place until after the ERC period has ended, unless you tell us that you wish to complete the transfer earlier than this, and agree to pay the charge. Any applicable early repayment charges must be paid on completion of the transfer.

Need some help?

If you need some help or advice on transferring to another mortgage deal you can contact us to discuss your options.

Visit us

You can visit us in branch to speak to a mortgage adviser.

Call us

Speak to one of our friendly mortgage advisers about our range of mortgage deals.

0345 1200 822*

  • 8.00am - 8.00pm, Mon-Fri
  • 9.00am - 1.00pm, Sat


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