Switching your mortgage deal online

How to switch online

You’ll need to complete your online switch at least 14 days before the 1st of the month that you require your new mortgage deal to take effect.

1. To get started and to confirm you’re able to switch online, you’ll just need your mortgage account number, full name, date of birth and post code of the mortgaged property.
2. Once you’ve read and confirmed you’re happy with the Execution Only Declaration, select your next deal.
3. If there are fees to pay, you can choose to add them to your loan by ticking the box on the ‘Fee Information’ page. Or, you can pay them with a debit card when you submit your switch application.
4. Once you’ve selected your new mortgage deal and confirmed how to pay any fees, you can move onto the mortgage offer. The offer will be created automatically, based on the next switch date. You'll then see the offer document, which will include your new monthly payment amount.
   
   Important: Your offer document shows your expected balance and term as at your chosen switch date. It’s only valid for the day it is produced. If you search for a new deal and create a new offer, this will replace any previous offers.
5. To change the start date of your new deal, choose a new date from the dropdown list and click ‘Confirm Switch Date’. A new offer will be created based on your selected start date. 
   
   Before you proceed - please tick to confirm that you have read and understood your offer document.
6. Before you submit your application, please double check all the details and make sure you’re happy to continue. You will need to tick the box to confirm you have read and understood the Offer Acceptance Declaration.
   
   If you need to make any changes after submitting your switch, you'll need to contact us directly, at least 14 days prior to the switch date.
7. Once you have selected ‘Complete Mortgage Switch’, you’re all done. We’ll send you a letter within five working days confirming your new mortgage deal and monthly payment. It’s as easy as that.

Not all mortgages can be switched online

Some mortgages are a bit trickier than others and can't be switched online.

If you haven’t received an email or letter with details of how to switch online, you’ll need to book an appointment with one of our Mortgage Advisers or talk to your Intermediary. They’ll be happy to find the right mortgage for you.

The following mortgages can't switch online:

•    Shared Ownership, Shared Equity and Help to Buy
•    Certain Buy-to-Let mortgages, including Holiday Let, Expat and Consumer (you're renting out a home you or family have lived in before)
•    On our Standard Variable or Buy-to-Let Variable rate
•    Behind on your mortgage repayments
•    There are more than 120 days left on your current deal
•    Over 90% loan to value
•    Less than 2 years left on your mortgage term

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE