Get a new deal

Buy to Let

When the end of your current Buy to Let deal is near, it’s natural to think about what’s best to do next. That’s why we offer a choice of exclusive deals for existing customers.

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View my rates

Because we know your time is precious, we’ve made it easy to get a new deal with us in just three simple steps.

  1. Once you’re within four months of your current promotional deal ending, visit our customer hub to view your exclusive rates. You’ll even be able to see how much a new rate affects your monthly mortgage payment.
  2. If you’re happy to proceed, select your chosen rate and start the switching process online. Alternatively, you can give us a call if you’d prefer to speak to us. As we don’t offer any advice on Buy to Let mortgages, we’ll only take your instructions over the phone.
  3. We’ll then post you additional information on your chosen rate. This includes a mortgage offer which is valid for 30 days. If you’re happy to proceed, simply sign and return to us.

If you decide not to switch to a new deal – don’t worry. You’re under no obligation to sign and return the documentation we send you.

Click on the button below to get started.

Register now

If you’re not within four months of your current promotional rate ending, you won’t be able to see your exclusive rates just yet. But don’t worry! You can still register and get access to your customer hub – here’s why.

 
Already registered?

Bank of Ireland customer hub login

Post Office customer hub login

AA customer hub login

A ‘RECEIVER OF RENT’ MAY BE APPOINTED AND/OR THE PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
FAQs

  • What happens when my promotional rate comes to an end?

    We’ll send you a letter before your promotional rate ends. It'll explain your new rate and what your new regular monthly repayment will be.

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  • How do I apply for a new mortgage deal?

    Once you’re within four months of your current promotional deal ending, visit our customer hub to view your exclusive rates. As long as you’re eligible to switch you’ll be able to see how much a new rate affects your monthly mortgage payment.

    If you’re happy to proceed, select your chosen rate and start the switching process online. Alternatively, you can give us a call if you’d prefer to speak to us. As we don’t offer any advice on Buy to Let mortgages, we’ll only take your instructions over the phone.

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  • Will my property need to be revalued?

    We don't require a standard mortgage valuation when you switch your mortgage deal. But if you do need a valuation for any reason, you’ll be charged for this.

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  • Will solicitors need to be involved?

    Most of the time there’s no need for solicitors to be involved.

    If one is needed, we’ll use a solicitor from our nominated panel. Normally there’s no charge for this.

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

    Yes. It’s certainly possible to make other changes at the same time as switching your deal, as long as this meets our current lending criteria.

    For example, you could convert part or all of your interest only mortgage to repayment, change the mortgage term, or borrow more money.

    If you do want to make other changes along with switching your deal, you’ll need to apply over the phone. It’s worth noting that this would include an affordability assessment, and a valuation that you’ll need to pay if borrowing more. Your exact application process depends on what changes you want to make.

    To find out more, call us on 0345 300 8000. Lines are open 8.30am – 8pm Monday to Friday and 9am – 2pm Saturdays.

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

    No. These are separate processes.

    Of course you’re welcome to pay off a lump sum (also known as a part redemption) before you switch your deal. But this will mean we can’t process your request to switch deals until the first of the following month.

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  • I've applied for a new deal, but have also received an interest rate change letter. What should I do?

    If you've received an interest rate change letter, but you've already applied for a new deal, please call us on 0345 300 8000 so we can look into this for you. Lines are open 8.30am – 8pm Monday to Friday and 9am – 2pm Saturdays.

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A ‘RECEIVER OF RENT’ MAY BE APPOINTED AND/OR THE PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE