Important information

If you are currently in a fixed term or discounted deal period, the switch process can be started up to a maximum of 6 months before the current deal expires.

If you have previously made lump sum credits and/or overpayments to your mortgage with a view to using our borrow back facility in the future, by transferring to a new deal you will lose the ability to withdraw these funds.

If you select a fixed rate mortgage product you will not be eligible to link any offset accounts against your mortgage. If you currently have an offset mortgage any offset account linkage will cease when a fixed rate comes into force.

Any application to switch rates will result in the recalculation of your monthly payments to the minimum amount required to repay the mortgage within your originally agreed term. Where you have been making overpayments or offsetting balances against your mortgage with the intention of repaying your mortgage early you will need to contact us after the completion of the switching application. We will then be able to reinstate the overpayment amount required to reach any early repayment goals that you have.

If you are confident in choosing your own mortgage product and don’t need advice you can switch online.

Alternatively, if you require advice, our mortgage advisors are happy to discuss options with you. Our team are here to help you select a product which suits your individual circumstances whilst also being able to discuss other potential changes such as a change to the term of your loan.

If you are experiencing financial difficulties or have recently experienced a change in circumstances which may impact your ability to make your mortgage payment we recommend that you contact our mortgage team as soon as possible so that we can discuss your individual needs.