Mortgages

Switchingdeal

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 First Time Buyer Mortgage Provider to Best Offset Mortgage Provider.

Part of the community

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

6 reasons why switching with us is so easy!

You can reserve your new deal

You can reserve a new deal up to 90 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 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 eligibilty

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.

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 you a reminder

Around 90 days before your current deal is due to end, we'll contact you. 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

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: