UCB Home Loans
Help and support
Call us
UK: 0800 464 3014
Abroad: +44 1793 774 214
Lines are open Monday to Friday 8am to 6pm, Saturday 9am to 2pm.
Have your mortgage account number available and be ready to confirm your identity.
Write to us
UCB Home Loans
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW
Important:
Mortgage switcher rates for UCB customers
Existing UCB customers may be able to switch to one of our current products when their deal ends. Product availability and lending decisions are subject to customer status, the value of the property and current lending criteria.
We no longer offer additional borrowing on our UCB mortgages.
Buy to let mortgage switcher rates
If you can't view the whole table, swipe or scroll to show more > > >
| Product type | Product code | Initial rate | Overall cost for comparison | Maximum Loan to Value (LTV) | Early repayment charge (ERC) |
|---|---|---|---|---|---|
| 2 Year Fixed Rate | 17916 17917 |
4.44% 5.69% |
7.9% APRC 8.3% APRC |
75% None |
Year one: 2% of your outstanding mortgage balance Year two: 1% of your outstanding mortgage balance |
| 5 Year Fixed Rate | 17918 17851 |
4.34% 5.49% |
6.9% APRC 7.4% APRC |
75% None |
Year one: 5% of your outstanding mortgage balance Year two: 5% of your outstanding mortgage balance Year three: 4% of your outstanding mortgage balance Year four: 3% of your outstanding mortgage balance Year five: 1% of your outstanding mortgage balance |
| Lifetime Variable | 17852 | 8.49% | 8.8% APRC | None | No ERC applies. |
APRC: Annual Percentage Rate of Charge. This figure shows you the total cost of your mortgage over the entire term of your loan. It includes all fees and interest rates, so you can compare the overall cost of different mortgages.
If you don’t switch to a new deal when your current deal ends, you’ll move on to our Variable Reversionary Rate until the end of your mortgage term. This is currently 8.49%. This is a variable interest rate, which means it can go up or down at any time. Your monthly payments may change from your current payment amount.
Residential mortgage switcher rates
If you can't view the whole table, swipe or scroll to show more > > >
| Product type | Product code | Initial rate | Overall cost for comparison | Maximum Loan to Value (LTV) | Early repayment charge (ERC) |
|---|---|---|---|---|---|
| 2 Year Fixed Rate | 17919 | 4.06% | 6.4% APRC | None |
Year one: 2% of your outstanding mortgage balance Year two: 1% of your outstanding mortgage balance |
| 5 Year Fixed Rate | 17920 | 4.03% | 5.7% APRC | None |
Year one: 5% of your outstanding mortgage balance Year two: 4% of your outstanding mortgage balance Year three: 3% of your outstanding mortgage balance Year four: 2% of your outstanding mortgage balance Year five: 1% of your outstanding mortgage balance |
| 2 Year Tracker | 17901 | 4.89% (Base rate +0.89%) | 6.6% APRC | None | No ERC applies. |
| Lifetime Variable | 17856 | 6.74% | 7.0% APRC | None | No ERC applies. |
APRC: Annual Percentage Rate of Charge. This figure shows you the total cost of your mortgage over the entire term of your loan. It includes all fees and interest rates, so you can compare the overall cost of different mortgages.
If you don’t switch to a new deal when your current deal ends, you’ll move on to our Variable Reversionary Rate until the end of your mortgage term. This is currently 6.74%. This is a variable interest rate, which means it can go up or down at any time. Your monthly payments may change from your current payment amount.
Switching your UCB Home Loans mortgage
Eligibility
To be eligible for switching, you must:
- live in the UK or a non-European Economic Area/European Union country
- have a minimum outstanding mortgage balance of at least £1,000
- have a minimum remaining mortgage term of at least two years
- not have a UCB mortgage which was regulated by the Consumer Credit Act at the time it was taken out
- have no mortgage arrears
- not be subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA)
- have a mortgage deal ending in the next six weeks or
- have a tracker mortgage with a switch to fix option or
- be on our Variable Reversionary Rate (or another post-deal mortgage rate)
When you can switch your mortgage
At the end of your fixed, discounted or tracker rate, we'll contact you in writing to confirm our Variable Reversionary Rate and let you know what your new payments will be. You can call us then to discuss our current range of mortgage products.
The features of your new mortgage may differ to those of your current mortgage. Please check carefully before you apply.
It’s a good idea to talk to a mortgage broker or Independent Financial Adviser (IFA) before committing to a new deal. If you feel you don’t need advice, you can switch with us directly.
How to switch your mortgage
Download and fill out the relevant mortgage switcher form below. Send the completed form to tmwdirect@themortgageworks.co.uk.
After we receive your application form, we’ll send you a product switch offer. Accept your offer by signing and returning it to us or giving us a call. Once you accept the offer, your mortgage will change from the first of the following month.
Important:
Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.
Information for solicitors
If your client has a UCB Home Loans mortgage, we have a range of documents that may relate to it.
Information:
UCB Home Loans has adopted Dematerialisation of Title Deeds.
Please send the legal charge to Land Registry to register our charge. The remaining documents may now be sent direct to the customer. Please stress to them that these documents should be stored safely as they may be required for the sale of the property. UCB Home Loans no longer retains custody of any deeds documents.
Note:
Some documents on this page may not be fully accessible. If you need any of our documents in a more accessible format, contact us.
UCB Home Loans cannot offer you advice on our mortgage products or recommend which product may be suitable for your needs. If you need any advice about our mortgage products, please contact a mortgage advisor authorised by the Financial Conduct Authority. UCB Home Loans Corporation Limited (UCBHL) is a wholly owned subsidiary of Nationwide Building Society and is authorised and regulated by the Financial Conduct Authority under registration number 303556. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Registered Office: Nationwide House, Pipers Way, Swindon, SN38 1NW. Registered in England. Company Registration Number 1063539.