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Switching your mortgage
What to expect when switching your mortgage deal
You have three options for applying to switch your mortgage.
If you'd like advice on which mortgage to switch to, you can apply by phone or in branch. If you're comfortable choosing a mortgage without receiving advice, you can switch online.
If you’re happy to choose your own deal you can switch online. Just so you know, when you decide to switch online you’ll need to make your own choice about which mortgage meets your needs. The Financial Conduct Authority have rules about how we make sure we recommend a suitable product for you, choosing your own deal means you don’t benefit from these rules and you may choose a product less appropriate to your needs.
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If you took out a mortgage before 4 March 2010 and have built up an overpayment reserve by making overpayments, you may want to capitalise this reserve when switching. If you’re not sure, you can check your original mortgage offer or give us a call on 0800 464 3044 and we’ll be able to check for you.
Any payments you've made over and above your normal monthly payment will be deducted from the total amount outstanding, but we actually keep it in a separate pot known as an overpayment reserve. We keep this separate so you can choose how you want to use it in the future. It may be that you want to borrow it back, take payment holidays or underpay for a period of time (eligibility applies). If you're now looking to switch mortgage and have an overpayment reserve you have 2 options to choose from:
If you switch by phone, one of our Mortgage Consultants will advise you on the best new mortgage deal for your situation.
Your call will last 1-2 hours and it's a good idea to gather documents together on your current mortgage and outgoings before your call.
Call us now to start your mortgage switch 0800 171 23 71
When you apply in a Nationwide branch, one of our Mortgage Consultants will advise you on the best new mortgage deal for your situation.
You’ll need to make an appointment in advance by giving us a call, or popping in to your nearest branch. Your appointment will last around 2 hours, and if you’re making a joint application, both applicants will need to be present.
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Next: Completing your switch