Get a new deal

Residential

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

Residential

If your current deal ends within the next four months (or has already ended), register or log in to your hub* to see what new deals are available. You can also apply to switch to a new deal when you’re ready.

Important: To guarantee your new rate taking effect from the 1st of the month after your current deal ends (or the 1st of next month if your deal has already ended), we must have your Offer acceptance and anything else we’ve asked for by the 19th of the previous month. If we don’t have everything by then, your product switch may not take effect until a month later.

If you need advice about which deal is best for you get in touch.

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?

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Post Office login

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* If you have mortgages with us through different brands, you’ll need to register for each brand then use the correct log in. Check your mortgage Offer for details.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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

    We’ll send you a letter before your promotional deal ends explaining what your options are. If you do nothing, you’ll go onto a variable rate. This means the rate could go up or down at any time and so will your monthly payments. The letter will confirm what your new rate and regular monthly payment will be and when the change will happen.

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  • How do I apply for a new mortgage deal?

    Once you’re within four months of your promotional deal ending, visit your customer hub to see if you’re eligible to switch. You’ll be able to view all the rates that you can choose from in one place.

    If you’re unsure which options are best for you, give us a call and take advantage of our free mortgage advice service. However, if you’re happy to proceed without advice, select a new rate and submit your request online.

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  • Will my home need to be revalued?

    In most cases, we won’t need to revalue your property when you switch your mortgage deal. However you can pay to have your home revalued if you think the estimated valuation we give is too low and affects the rate you can have. Please get in touch if you want to discuss 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’re applying through your hub, you can request a reduction in mortgage term up to a certain limit. To reduce your term further or make any other changes, you’ll need to get in touch. It’s worth noting that this would include an affordability assessment and you may have to pay to have your home revalued if you want to borrow more.

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

    Yes you can, however you’ll need to get in touch so we can discuss further.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE