When can you switch to a new deal?
When you can switch depends on what type of mortgage you are on and how long you have left before your current deal ends. If you are on a fixed rate and have less than 4 months left, you can apply to switch to a new deal now.
If you use our banking app or Internet Bank, you can check if you are eligible to switch now with Mortgage Manager.
If you are not sure where to start, our guide to switching your mortgage deal could help. It has information on what you need to consider before you switch and what types of mortgage deals there are.
Don’t miss your mortgage switch and cancellation deadline
Find out when your current deal ends, your switch deadline, and your cancellation deadline — all in Mortgage Manager. You can access Mortgage Manager via our internet bank or banking app.
Download our banking app*
And join over 6 million of our members. Safe, secure everyday banking made easier.
Ready to switch now? Get your personalised rates in Mortgage Manager
If you are eligible to switch now, you can view your personalised rates in Mortgage Manager. These rates are based on your current mortgage balance.
The rates we offer are as good as, or better than, those available to new customers remortgaging to us.
Want to switch early? You can still look for mortgage rates
If you have more than 4 months left and want to switch early, you may be subject to an Early Repayment Charge.
You won’t be able to see personalised rates in Mortgage Manager, but you can still browse our latest rates using our rates calculator.
Important:
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
How to switch to a new mortgage deal online
If you are ready to switch and are comfortable choosing a new deal without any advice, you might be able to do this using Mortgage Manager.
To use Mortgage Manager, you must be registered with either our Internet Bank or banking app. Please give yourself enough time to register before your rate expires.
Information:
There is no affordability check when you switch deal.
Switch through online banking
You can switch your mortgage deal online by logging in to Mortgage Manager. You will need to be registered for our internet bank or banking app to do this.
To register for our internet bank, select the switch button below and select ‘Register now’ in the top right corner to get started.
Download our banking app*
And join over 6 million of our members. Safe, secure everyday banking made easier.
Worried about making your monthly mortgage payments?
If you’re struggling to make your monthly mortgage payments, our Home Support Hub tells you what options are available to help you reduce your payments.
Get advice and apply by phone or video
Call us to book a free phone or video appointment with one of our mortgage advisers.
Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.
More help with switching
Our guide pages have more information to help you understand what’s involved when you switch.
App Store is a registered trademark of Apple Inc. Google Play is a trademark of Google LLC.