Online

If you meet the eligibility criteria above, you can use our online service.

Using our online service you can see what deals are available, compare our rates and select your new deal. Once you’ve selected a new deal, your mortgage will change automatically on your switch date. If your switch date was in the last 180 days, the change will take effect immediately.

For example, if your current fixed rate deal is due to end 1 September and you complete the online product switch before this date, your mortgage will switch automatically when your current deal ends on 1 September. However, if you complete the online product switch after 1 September, your new rate will be applied immediately.

In branch or on the phone

We’re always on hand to help if you need advice.

Our mortgage advisers will be happy to meet you and complete your renewal face to face or over the phone. The choice is yours, simply complete one of our forms above and an adviser will get in touch to arrange an appointment.”

Applying online is simple.

You can compare our mortgage deals and see the full details of the deal you choose before accepting; this will include your mortgage illustration, offer document and General Offer Conditions. You should read these documents thoroughly before accepting to make sure you understand your new mortgage deal. Every party to the mortgage will receive a copy of the offer documentation by post when you complete the process.

Once you’ve selected the deal you want, all you have to do is submit your choice and we’ll take care of the rest. Your mortgage will change to your new rate automatically on your switch date. If your switch date was in the last 180 days, the change will take effect immediately.

For example, if your current fixed rate deal is due to end on 1 September and you complete the online product switch before this date, your mortgage will switch automatically when your current deal ends on 1 September. However, if you complete the online product switch after 1 September, your new rate will be applied immediately.

Yes, if your new deal hasn’t started yet you can let us know if you would like to cancel or if you would like to switch to a different rate. We will cancel your original application and send you new documents to sign and return. You can do this by calling us on 0800 032 5501 Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

Please let us know as soon as possible to avoid your mortgage switching to a rate you no longer want.

If your new deal has started, and you would still like to repay your mortgage or change to a different rate you may still be able to do so. Depending on the product you switched to, there might be an Early Repayment Charge (ERC) to pay. You can find out more and what your ERC will be in the offer document we sent to you when you applied.

If you would like to discuss repaying your mortgage or changing to a different deal call us on 0800 032 5501 Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

No. In this case you would need to talk to one of our mortgage advisers.

If you would like to borrow more money, change your term or amend any other details about your mortgage, please give us a call on 0800 032 5501 to get a quote and discuss your options.

We can then book you an appointment with one of our mortgage advisers to submit your application.

No. In this case you would need to talk to one of our mortgage advisers. Please call us on 0800 032 5501. We can then book you an appointment to complete your application.