Information:

There's no affordability check when you switch deal.

When you can switch online

You can apply to switch online now - without paying an Early Repayment Charge - if you're on:

  • a tracker mortgage deal
  • a fixed rate mortgage deal with less than 6 months left
  • the Standard Mortgage Rate or Base Mortgage Rate

You'll be given the choice of a few dates for your new deal to start from.

Note:

If you want to switch and borrow more at the same time, you could end up paying more if you apply online.

Please call us to get free advice from one of our mortgage advisers and see if you could save money.


When you cannot switch online

We'll need to speak to you first if:

You're on a fixed rate deal with more than 6 months left

An Early Repayment Charge (ERC) will apply, and we need to take the payment over the phone or by video call.

One of our mortgage advisers can also talk through your needs to make sure switching early is right for you and recommend the right deal.

You can check what your current ERC is by logging in to Mortgage Manager and selecting 'View full account details'. Or you can access Mortgage Manager through our Banking app.

You’re on one of our mortgage deals for over 55s

If you're on a Retirement Interest Only mortgage or a Retirement Capital and Interest mortgage, we can only complete your application by phone or video call.

When you apply, one of our mortgage advisers can also talk through your options and recommend the right deal for you.


Check deals and switch online, or get advice

Log in to Mortgage Manager to browse the deals available to you and, if you're eligible, apply to switch.

If you can't switch online, or you'd like to talk through your options, get in touch with us for free advice.

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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.


Important:

Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.