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.
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:
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 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 Our rates can be withdrawn at any time and without notice.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.
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.
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 |