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You are in: Mortgages → Existing customers → Switch and fix mid-deal
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Existing customers: Switch from your tracker to a fixed rate mid deal (Switch and Fix)

Looking to switch mid deal?

If you currently have a Nationwide tracker mortgage, you may wish to switch to a fixed rate to fix your monthly payments. If your tracker rate was reserved on or after 10 January 2006, you can switch to a fixed rate within our 'Switch and Fix' range at any time during your deal without paying any Early Repayment Charges (although a product fee may apply).

Here you will find some useful tools and information to help you choose the right mortgage for you.

View mortgage rates

To see the range of fixed rates available to you to switch to, just enter your details below:

View rates

Payment calculator

Compare monthly payments with our simple mortgage payment calculator

  • Compare monthly payments

Help and support

Your mortgage questions answered

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How to apply

To switch your existing Nationwide tracker mortgage mid deal, you will need to call us on 08457 30 20 10 (Mon-Fri: 8am-8pm, Sat: 9am-5pm) or visit your local branch.

  • Find nearest branch

Alternatively, listen to our mortgage podcast about the Switch and Fix feature of our mortgages.

Important information

Any mortgage products reserved on or before 29th April 2009 will revert to the Base Mortgage Rate (BMR). If you choose to switch to a new Nationwide mortgage product, the new product will currently revert onto our Standard Mortgage Rate (SMR).

Both are variable rates which we may vary in accordance with our mortgage terms and conditions. However, the BMR is guaranteed to be no more than 2% above the Bank of England base rate, whilst the SMR has no upper limit or cap. If you choose to switch to a new product, it is not possible to switch back to the BMR at a later date.

Please note that all mortgages reserved on or before 3rd March 2010 include the option to apply for a payment holiday and borrow back facility. Any mortgages reserved after this date will no longer include these facilities.

If you are currently letting your property you will be unable to switch to a new mortgage deal and your mortgage will automatically revert to the Nationwide variable rate as stated in your mortgage offer.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority. You can confirm our registration on the FSA's website, www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.