Looking for a new deal?

When you come to the end of your current deal, or if you’re already on a variable rate, it’s natural to think about what to do next.

Whatever your situation, switching to a new deal can give you peace of mind of knowing what your monthly payments will be. Switching online is easy with:

    • Access to your hub 24/7 - switch when you want
    • No application form to complete
    • No credit search needed
    • No need to value your property
    • No solicitors fees to pay
    • Secure a new deal up to four months before your current one ends.

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

And if you’re a homeowner with us, you can even request advice through your hub if you want us to recommend one of our deals for you. We don’t offer recommendations on our Buy to Let deals for landlords.

When’s the best time to switch?

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

We recommend you apply for your switch early to make sure your new rate takes effect when your current deal ends.

We’d like you to be able to enjoy your new rate as soon as possible, so please send us your Offer acceptance and anything else we’ve asked for by the 19th of the month that your current deal ends. Your new rate will then take effect from the 1st of the following month. If you miss this date, your switch may not take effect until a month later.

Visit our hub page to register or log in to your account today!

 

Your property may be repossessed if you do not keep up repayments on your mortgage

Option 1 – Online

If your current deal ends within the next four 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. If you’re able to switch, view the new deals available and see how much a new rate and any fees due will affect 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! You can also reduce your mortgage term to pay off your mortgage sooner. And if you’re a homeowner with us you can arrange help and speak with one of our mortgage advisers.

Option 2 – 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, check out our rates if you applied for your mortgage through Bank of Ireland, The AA or Post Office. Our rates can be withdrawn at any time and without notice.

We’re currently very busy and so recommend you book an appointment as soon as you can to discuss your rate. If your rate expires at the end of the month, it’s best to book an appointment for the beginning of that month – get started now and we’ll do the rest.

Fixed rate not ended?

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

Your property may be repossessed if you do not keep up repayments on your mortgage

Whether you’re new to the hub or just want to know how to use it, our handy hub guide can help you get the most out of it. Our FAQs also have lots of information about switching to a new deal.

 

The easiest ways to switch:

What you want to do Online Over the phone
You’re a homeowner or landlord and are 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 (although we don’t recommend deals for landlords)
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 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 four months before your current deal ends, but want to switch and pay the Early Repayment Charge

 

Visit our hub page to register or log in to your account today!

 

Your property may be repossessed if you do not keep up repayments on your mortgage
  • How do I know when my promotional rate comes to an end?

    We’ll send you a letter before your promotional 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 mortgage deal?

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

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  • Will my property need to be revalued?

    You can check the estimated value of your home from your hub. This is what we’ll use to provide your rates. If you think the valuation is too low and affects the rates you can have, you can pay to get your property revalued.

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  • Will solicitors need to be involved?

    A solicitor isn’t normally involved when you switch your rate. However, if we need to set you up with a new mortgage account, we’ll need to instruct one . Don’t worry though - 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, 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.

    If you’re applying online, 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 apply over the phone. 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.

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

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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 pay a lump sum off your mortgage when your deal ends. Give us a few details to arrange an appointment with a mortgage specialist if you want to overpay and switch at the same time.

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

    • If your deal ends soon
      You may want to switch first, then make your lump sum payment after your new deal has completed. This means your new rate will take effect when your current deal ends (as long as we get your acceptance back by the 19th of the month it’s due to finish).

    • If you’re applying to switch early
      You may want to make your lump sum payment first, then apply for your switch the month after you receive our letter (confirming how much your new payment will be). This is because your balance is updated at the end of the month that your lump sum payment is processed.

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Visit our hub page to register or log in to your account today!

 

Your property may be repossessed if you do not keep up repayments on your mortgage