Exclusive mortgage rates for existing customers

You can plan ahead

Arrange to switch up to 90 days before your current rate ends, or switch now if you’re already on our follow-on rate.

You can switch earlier if

• We’ve told you in a letter or email that you’re eligible to switch
• You’ve applied for a rate switch and want to change it
• You’re in the process of applying for a rate switch.

No switching fees

We don’t need to do an income and affordability assessment if you’re not making any other changes to your mortgage and your circumstances haven’t changed in a way that impacts your affordability. If you’re only switching your rate, we won’t charge any legal or valuation fees, although you might have to pay a product fee.

How can I switch?

Have a look at our mortgage support hub to see the options available to you, and details of how to switch. 

Mortgage advisers on hand

We’ll help you choose a rate that suits your needs, and guide you through the process to borrow more, change your term or anything else. Just book an appointment.