Looking for a new deal?
When you come to the end of your current deal, or if your mortgage is on a variable rate, you may be thinking about what to do next.
Switching to a new fixed rate deal can give you peace of mind, knowing how much your monthly payments will be..
Applying for a new deal online is easy:
- Register or log in to your hub anytime
- No application forms
- No credit checks
- No need to value your property
- No solicitors’ fees
- See all your rates in one place
- Lock in a new deal up to four months before your current one ends
Our guide on getting a new deal shows how to apply in three simple steps.
You can check what deal you’re on and find out when your fixed rate ends in your hub. When you’re ready, you can apply online. To make things easier for you, the rates online are the same as those you can get over the phone.
You can request to speak with one of our mortgage advisers from your hub if you’re a homeowner with us. We’ll recommend a deal for you if there’s one that fits your needs. We don’t offer this service for landlords on our Buy to Let deals.
When can I switch my rate?
You can apply to switch up to four months before your current deal ends, or right away if it’s 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. We can only guarantee your new rate being set up in time if we have everything we need by the 18th 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
You can switch to a new deal easily through your hub if your current deal ends within the next four months, or has already ended. Our rates online are the same as those you can get over the phone.
Step 1: Log in or register
Access your hub by logging in or creating an account.
Step 2: Check your deal
See when your current deal ends. You’ll see what deals you can choose from if you’re able to switch. You can:
- Compare how different rates and fees change your monthly payments
- See how your payment changes if you reduce the time you have left to pay your mortgage.
Step 3: Apply online
Once you’ve chosen your new deal, you can apply directly through your hub.
Need help deciding? You can request to speak with one of our advisers if you’re a homeowner with us.
What if my fixed rate hasn’t ended?
You won’t see any rates yet if your fixed rate ends in more than four months. You can still register now so you’re ready when the time comes.
Option two – get in touch
Prefer not to use the hub? Or planning to make an overpayment as part of your switch?
Give us a few details, and we’ll contact you at a time that suits you.
Before you do this, have a look at our rates. These can be withdrawn at any time, without notice.
We recommend you get in touch early to book an appointment. The sooner you contact us, the more likely we can set up your new deal, so it starts when you need it to.
Help and tips
Whether you’re new to your hub or just want to know how to use it, our guides explain how to manage your account and switch your rate. Read our FAQs for more details about getting a new deal.
When should I get in touch?
Whilst most switches can be done online, there may be times when you need to get in touch:
| What I want to do | Online | Over the phone |
|---|---|---|
| I’m happy to choose a new deal without help |  | |
| I’m a homeowner and want you to recommend a mortgage deal for me | | |
| I’m a landlord and want your help | | |
| I want to choose a new deal and reduce the length of my mortgage | | |
| I want a new deal and to make an overpayment. Read how to do this in our FAQs | | |
| I want a new deal for my property which has a consent to let | | |
| I want a new deal and to borrow more | | |
| I want a new deal and make a change which isn’t listed above | | |
| I have more than four months before my current deal ends, but want to switch and pay the Early Repayment Charge | |