Switch your mortgage deal online
If you’re comfortable choosing your next mortgage deal and don’t require mortgage advice, it’s easy and convenient to switch online.
Switching your deal online
If your mortgage deal with us is coming to an end, and you're happy picking your next deal without advice, you can switch online. It's quick and easy.
You’ll need to complete your switch at least 14 days before the 1st of the month that you require your new mortgage deal to take effect.
• Complete the switch at a time and place convenient for you
• No early repayment charges if you're switching within 90 days of your current deal ending
• We won't need to assess your affordability or require proof of income
• A new valuation is not needed, as a UK House Price Index is used to calculate the value of your property
To get started, have your mortgage account number, full name, date of birth and post code of the mortgaged property ready.
Not all mortgages can be switched online
Some mortgages are a bit trickier than others and can't be switched online. These mortgages include:
• Shared Ownership, Shared Equity and Help to Buy
• Certain Buy-to-Let mortgages, including Holiday Let, Expat and Consumer (renting out a home you or family have lived in before)
• On our Standard Variable or Buy-to-Let Variable rate mortgage
• Behind on your mortgage repayments
• More than 120 days left on your current deal
• Over 90% loan to value
• Less than 2 years left on the term
If your mortgage is on this list, please talk to your Intermediary or book an appointment with one of our Mortgage Advisers.
You'll also need their help if you're concerned that you might not be able to make your revised monthly payment or you're looking to make any other changes to your mortgage, such as borrowing more money or changing the mortgage term.
Need help finding your next mortgage deal?
If you'd like help finding the right mortgage for you, our Mortgage Advisers can answer your questions and help find the best mortgage for you.
If you arranged your mortgage through an Intermediary or Broker you might want to discuss your options with them.
Do you consider yourself vulnerable?
If you need any additional support with managing your account or the way you receive communication from us then please get in touch either by phone on 0345 601 3344, via secure message or by emailing us.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE