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.
Switch NowEarly Repayment Charges apply and other fees and charges may apply.
Due to coronavirus, 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 4 simple steps.
Please enter a property value.
Please enter an existing mortgage balance.
Please enter an amount being switched
Please enter a Year.
Please enter a Month.
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A minimum remaining term of 2 years 3 months is required to switch to a new deal. Please update your details and search again or if your remaining mortgage term is less than 2 years 3 months, please contact us.
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Product Details
Key features
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Free standard valuation
Additional info
Overpayments
Overpayments:
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Available for:
Product Transfer
Minimum loan amount:
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Early Repayment Charges
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Effective date
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.
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Owned by you
If you’re a member, the Society belongs to you. No external shareholders, just customers and people like you.
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Award winning
We have a string of awards from Best Overall Mortgage Provider to Best Building Society Mortgage Provider.
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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!
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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! -
You can switch quickly
If you'd prefer, we can switch your deal in a matter of days/hours. It commonly takes between 4 to 8 weeks if you were to move to another lender. -
We've already checked your eligibility
Save 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 check
Switching your deal with us will not affect your credit rating. Remortgaging with another lender would. -
There's no need for a house valuation
Since you already have your mortgage with us. -
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.
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
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.
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 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 4.49%) and your next monthly mortgage payment may increase.
Online
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?No
Get started
Over the phone
Talk to one of our friendly mortgage advisers.
Will I receive advice?It's your choice
0345 166 9510*9am - 5pm Mon-Fri 9am - 1pm Sat