Skip to main content

3 steps to switch

  1. Check you can apply
    Check there's less than 4 months left on your current deal. And have your mortgage info handy.
  2. Apply for a new deal
    There's no credit check. Just answer a few questions and choose a deal that suits you.
  3. We send you an offer
    We'll switch your deal as soon as we can, so let us know within 7 days if you’re not happy.

What do I need to apply?

  • Mortgage account number and sort code
  • Mortgage balance
  • Property's current value

You’ll find your mortgage details on mortgage statements and letters. And there are lots of tools online to check your property’s latest value.

Apply to switch

Most people can switch online, or you can call us if it’s easier. No credit checks. No fuss.

You can apply online if:

  • Your current deal has ended or ends within 4 months
  • You're up to date with your mortgage payments, and can continue to afford them
  • You're not borrowing more or changing your term or repayment type
  • Anyone else named on the mortgage has given you permission to apply on their behalf
  • You don’t want to add or remove anyone on the mortgage
  • You're happy to choose a mortgage deal yourself, without advice

Let's talk

If you're ready to apply or need some help, get in touch

Existing customers

Call us

Monday, Tuesday, Thursday, Friday 9am to 5pm
Wednesday 9.45am to 5pm

0800 022 4313

Live chat

Don’t risk losing your home – keep up your mortgage payments

Mortgages are secured on your home. Applicants must be 18 or over. All loans are subject to status.

Got a question?

You can apply for your new deal up to 120 days before the end of your fixed or discounted rate.

Once you have applied for a new product, you are also able to reduce the balance of your mortgage during the last 3 months of your current rate without incurring Early Repayment Charges.

We aim to issue a binding mortgage offer within 5 days of receipt of your application. Once the mortgage offer document has been produced the interest rate is guaranteed for 180 days.

No, we will send a new mortgage offer document for you to review. This is usually posted within 2 days of your application.

If you are happy with the offer you don't need to do anything else. And, if we don't hear from you, after 10 days we'll put your new mortgage deal into place.

If you've applied for a new rate at least 2 weeks before your current rate expires, then your new rate will take effect on the day after your current rate expires. For example, if your existing rate ends on 30th September, the new product will start on the 1st October.

For any applications received with less than 2 weeks to rate expiry or where the rate has already expired.

The new rate will take effect 10 days after the mortgage offer has been issued. Once you have received and are happy with your mortgage offer you can contact us to ask for the rate change to be processed us before the end of the 10 day reflection period , by giving us a call on 0800 22 24 26 which may speed up completion.

View all switch help