Important:
If you're a intermediary, please use the switch your client's mortgage page.Switch to a new mortgage deal online
When your mortgage deal with us is coming to an end, you can switch to one of our latest deals online.
Ready to switch?
To start your switch, you'll need:
- your date of birth
- the first 8 digits of your mortgage account number, which you can find on your mortgage statement
- if you pay your mortgage by direct debit, the sort code of the account you use to pay
- if you don't pay by direct debit, the exact amount of your last mortgage payment
Important:
even if you have both the sort code and the payment amount, don't enter both. Only use the last payment amount if you don't pay by direct debit. If you attempt to input both, the system won't allow you to proceed.
Eligibility
We don't do affordability or credit checks as part of your application to switch, but you can only apply if:
- your current mortgage deal with us has ended or is ending within 13 weeks
- your mortgage has the 'Switch to Fix' feature
- you don't have a further advance application in progress
- you owe at least £1000 on your mortgage
- you're not subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA)
- you have more than two years left on your mortgage term
- you don't have any arrears
- you live in the UK, or a non European Economic Area/European Union country
You need to know
You won't be able to change the term of your mortgage or the way you pay for it when you switch. If you want to make a change to either of these, get in touch.
You can't increase your mortgage amount when you switch. If this is what you want to do, find out about borrowing more.
You can also see our mortgage switch rates before you decide.
If you don't switch, once your current mortgage deal ends, you'll move on to our managed rate automatically. This is variable and has no upper limit or cap. It isn't linked to the Bank of England Bank Rate.
When you can switch
We'll confirm the date of your switch when you accept your offer.
You can apply to switch up to 13 weeks before you want your new mortgage to start.
For a seamless switch, accept your offer at least 5 days before the end of the month your current deal finishes.
Your new mortgage deal will start on the first of the following month.
| Accept your switch offer between | To start your new mortgage deal on |
|---|---|
| 1 July - 26 September | 1 October |
| 1 August - 27 October | 1 November |
| 1 September - 26 November | 1 December |
| 1 October - 26 December | 1 January 2025 |
| 1 November - 27 January 2025 | 1 February 2025 |
| 1 December - 24 February 2025 | 1 March 2025 |
If you are moving from a tracker mortgage to a fixed rate mortgage, you can choose the date your new mortgage starts.
We're here to help
If you've got a question about switching your mortgage, give us a call.
If you'd like advice on the options available to you, please contact your broker, or an Independent Financial Adviser.