Switching deal

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

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

Reasons to stay with us

Choosing a mortgage is a big financial decision. We can offer you a tailor-made range of deals to choose from, all brought to you from a provider who wants to give real help with real lives.

  • Owned by you

    If you’re a member, the Society belongs to you. No external shareholders, just customers and people like you.

  • Award winning

    We have a string of awards from Best Overall Mortgage Provider to Best Building Society Mortgage Provider.

  • Part of the community

    From educational programmes to improving financial literacy and supporting people in challenging situations.

Reasons to switch your deal

A straight forward service that you can complete on your own terms and in your own time.

6 reasons why switching is so easy!

  1. You can reserve your new deal

    You can reserve a new deal up to 120 days before your current deal ends. If Early Repayment Charges apply, you can even delay switching until they no longer apply!
  2. You can switch quickly

    If you'd prefer, we can switch deal in a matter of days/hours. It commonly takes between 4 to 8 weeks if you were to move to another lender.
  3. We've already checked your eligibilty

    Save yourself from the pain of reapplying all over again, because we only offer you deals that we know you're eligible for.
  4. There's no credit check

    Switching your deal with us will not affect your credit rating. Remortgaging with another lender would.
  5. There's no need for a house valuation

    Since you already have your mortgage with us.
  6. There's no need for a solicitor

    You won't need a solicitor to help you switch deal. You will if you remortgage with another lender.
image of train and truck with switch written on it

It's easy to register to access your savings accounts online - watch our quick video guide to find out how to get started.

What happens if I don't switch?

If you don't do anything then your mortgage will go onto our Standard Variable Rate (SVR).

  • Your mortgage payments could go up or down
  • You can make unlimited overpayments
  • You can pay your mortgage off early without any Early Repayment Charges

How does it work?

It's easy & simple. Switch your deal in just 4 simple steps.


We send a reminder

We'll contact you before your current deal is due to end. We only offer you deals that we know you're eligible for and we'll send you these in the post.


Review your options

To compare monthly payments you can retrieve your mortgage online, you just need your mortgage account number. You'll find this on any letter we've sent about your mortgage.


Choose a new deal

Look through our latest deals right now and find the deal that's right for you.


Switch your deal!

You can do this online, in branch, or over the telephone. Once you’ve made your choice and paid any fees we will confirm your new deal. You'll receive a letter confirming your changes.

Things to consider

Before you switch your mortgage deal, it's important you read the following:

Quick checklist

  • If the mortgage is in joint names you must have the authority to switch deal on behalf of all applicants.
  • The property should be your main residence.
  • Your mortgage must have less than one month's arrears (maximum amount of £100 at the time you switch deal) and have no more than one missed payment in the last 12 months.
  • You must also meet all of our other lending criteria.

We are unable to offer the following online:

  • Making changes to interest only mortgages
  • Moving from another mortgage provider.
  • Changes to term or repayment type
  • Borrowing more or making a lump sum payment

If you are trying to do any of these, please call us or book an appointment

You can switch in minutes

If you have all the information to hand and have read the things to consider above, then you are ready to get started. There are 3 ways you can switch.


You just need your mortgage account number. You'll find this on any letter we've sent you about your mortgage.

Will I receive advice?


Get started

In branch

Book an appointment to talk to one of our friendly mortgage advisers in branch.

Will I receive advice?


Request an appointment

Over the phone

Talk to one of our friendly mortgage advisers.

Will I receive advice?

It's your choice

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