Switch to a new rate

When the end of your current mortgage deal is near, it’s natural to think about what to do next. Your hub makes it easy for you to switch to a new rate:

  • Check when you’re able to switch
  • No application form to complete
  • No credit search needed
  • No need to value your property
  • No solicitors fees to pay.

Residential

If you’re unsure when your current deal ends, you can find this information in your hub. If it ends within the next four months (or has already ended), finding a new deal is simple:

  • Register or login to your hub* to see what rates are available to you. You’ll need your account number to hand
  • View your available deals and see how much a new rate and any fees will affect your monthly payment
  • When you’re ready, just apply for your new rate. You can also choose to reduce your mortgage term when you switch to a new deal, to pay your mortgage off sooner. Please see our FAQ’s for more information on reducing your mortgage term
  • If you want our advice on which deal is right for you, give us a few details and we’ll get in touch at a time that suits you.

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

Important information: 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.

Click on the button below to get started.

Register for your hub

*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
  • 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.

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  • What happens next?

    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. We’ll send you a letter to confirm what your new rate and regular monthly payment will be and will also let you know 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 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.

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  • How do I contact you?

    Visit our Get in Touch section to see how to contact us.

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