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.
Our mortgage team are currently experiencing a significantly higher volume of calls than normal. If you need to speak to us for advice on your mortgage, you may need to wait for appointments to become available. Alternatively, you can use our online services if you feel confident in choosing a mortgage deal that’s right for you.
How does it work?
It's easy & simple. Switch your deal in just 3 simple steps.
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.
We have a string of awards from Best Overall Mortgage Provider to Best First Time Buyer 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!
You can reserve your new dealYou 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!
You can switch quicklyIf you'd prefer, we can switch your deal in just over a week. It commonly takes between 4 to 8 weeks if you were to move to another lender.
We've already checked your eligibilitySave yourself from the pain of reapplying all over again, because we only offer you deals that we know you're eligible for.
There's no credit checkSwitching your deal with us will not affect your credit rating. Remortgaging with another lender would.
There's no need for a house valuationSince you already have your mortgage with us.
There's no need for a solicitorYou won't need a solicitor to help you switch deal. You will if you remortgage with another lender.
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
Things to consider
Before you switch your mortgage deal, it's important you read the following:
- 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.
Ready to switch?
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 2 ways you can switch.
Current deal about to end? We require up to 7 days to process any switch to a new deal, so if you choose to switch with less than 7 days of your existing deal remaining, your interest rate may revert to our standard variable rate (currently 4.74%) and your next monthly mortgage payment may increase.