Looking for a new deal?

You can find out when your current deal ends in your hub. When the time comes, simply apply online. To make things easier for you, the rates online are the same as those available over the phone.

You can request advice through your hub if you’re a homeowner with us. Advice is where we recommend a mortgage deal for you. We don’t offer advice on our Buy to Let deals for landlords.

When can I switch my rate?

You can apply to switch up to five months before your current deal ends, or today if your deal has already ended.

Your new rate will take effect once your current deal ends, or from the 1st of the next month if your mortgage is on a variable rate. To make sure this happens, we must have your Offer acceptance and anything else we’ve asked for by the 19th of the month before the new rate is due to start. Your switch may be delayed by a month if you miss this date.

Option one – Apply online

If your current deal ends within the next five months, or has already ended, getting a new deal is easy through your mortgage hub:

Step 1:

Register or login to your hub

Step 2:

Find out when your current deal ends. You’ll see what deals are available if you’re able to switch. Use the system to see how a new rate and any fees due change your monthly payment. To make things easier for you, our deals online are the same as those available over the phone.

Step 3:

Once you’ve decided on the deal you want, simply apply online. When you apply, you can choose to reduce your mortgage term to pay off your mortgage sooner. You can also arrange for help and speak with one of our mortgage advisers if you’re a homeowner with us.

Fixed rate not ended?

You won’t see any rates yet if you have more than five months before your current deal ends. But why not register for your hub so you’re ready to apply when the time comes.

Option two – Get in touch

If you prefer not to register for your hub or you want to make an overpayment as part of your switch, give us a few details and we’ll get in touch at a time that suits you. Before you do, take a look at our rates. These can be withdrawn at any time, without notice.

We’re currently very busy and so recommend you book an appointment to talk about your rate. The sooner you contact us the better. Get started now and we’ll do the rest.

Whether you’re new to the hub or just want to know how to use it, our handy hub guides explain how to manage your account and switch your rate. Our FAQs also have lots of help about switching to a new deal.

When can I apply to switch online and when do I need to call?

What you want to do	Online	Over the phone
You’re happy to choose a new deal yourself
You’re a homeowner and want us to recommend one of our deals for you
You’re a landlord and want help
You want to choose a new deal and reduce your term
You want a new deal and make an overpayment. Read how to do this in our FAQs
You want a new deal for your previous home which has a consent to let
You want a new deal and to borrow more money
You want a new deal and need to make a change to your account which isn’t listed above
You have more than five months before your current deal ends, but want to switch and pay the Early Repayment Charge

• How will I know when my fixed rate ends?

  We’ll send you a letter before your fixed rate deal ends, explaining what your options are. You can also check when your deal ends using your hub.

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• How do I apply for a new deal?

  Once you’re within five months of your current deal ending, login to your hub. You’ll be able to see all the rates you can choose from and easily apply online. Read our guide on getting a new deal.

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• Will my property need to be revalued?

  You can check the estimated value of your property from your hub. We’ll use this to show you the rates you can choose from. You can pay to get your property revalued if you think the valuation is too low which affects the rates you can have.

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• Will solicitors need to be involved?

  A solicitor isn’t normally involved when you switch your rate. However, we’ll need to instruct one if we need to set you up with a new mortgage account. Don’t worry - we won’t charge you for this. If you’ve registered for your hub we’ll ask you to contact us when it’s time to switch.

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• When I switch my deal, can I make other changes at the same time?

  Yes, if the changes you want to make meet our current lending policy.

  You can request to reduce your mortgage term when you apply to switch. For other changes, such as moving some or all your interest only mortgage on to repayment or if you want to borrow more money, you’ll need to apply over the phone.

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• When I switch my deal, can I also pay a lump sum off my mortgage at the same time?

  You can overpay and switch at the same time if you apply over the phone. Give us a few details to arrange an appointment with a mortgage specialist.

  You’ll need to switch and overpay at different times if you want to do this through your hub.

  • If your deal ends soon
    You could apply for a new deal, then make your lump sum payment once you’ve switched on to your new rate. This helps to avoid any delays in your new rate starting the day after your current deal ends.

  • If you’re applying to switch early
    You could make your lump sum payment, then apply for your switch. Before applying, please wait for our letter confirming how much your new payment will because of your overpayment. This gives our systems time to update, so the amount you switch reflects your new mortgage balance.

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• If I have an interest only mortgage, can I switch to a new interest only deal?

  Yes, you can - simply follow the steps on How to apply. The rates on your hub are for both repayment and interest only mortgages.

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• How do I cancel my switch request and apply for a different rate?

  Get in touch by the 10th of the month before your new rate is due to start to guarantee the switch is cancelled in time, or earlier if the 10th falls on a weekend. We can’t process any cancellations after the 18th.

  If you miss the 10^th and we can’t cancel your request:

  • Your mortgage will go on to the rate you’ve already applied for
  • You’ll have to pay the Early Repayment Charge on the new rate if you want to cancel and take out a mortgage with another lender.

   

  Cancelling so you can apply for a different rate with us

  We recommend you cancel your switch request by the 1^st of the month before the new rate is due to start to guarantee a different rate being set up in time. This is so we can cancel your request, issue a new mortgage Offer, and allow you time to read and send us everything we’ve asked for by the 19th of the month. Your switch may be delayed by a month if you miss this date which means you’ll be charged a month’s interest on a variable rate.

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