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Switching to a new deal

If you have a residential mortgage with us, you can switch your deal up to 6 months before your current mortgage product ends. 

A family cross a river in unison while walking on stepping stones.

When can you switch to a new deal?

Switch your residential and buy to let mortgage to a new deal up to 6 months before your current deal ends. You can switch before this date, but you may need to pay an early repayment charge. Check your mortgage details for more information. 


You can switch your mortgage online if you’re happy to switch without advice and are up to date with all your monthly repayments and not in arrears. For advice on switching you can switch over the phone with a mortgage advisor.

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  • Non-advised switching

Switch online

Choosing to switch online means you won’t be able to claim under the Financial Services Compensation Scheme or complain to the Financial Ombudsman Service about this aspect of your mortgage deal.

If you have a residential home you can switch online if: 

  • You’re happy to choose a new deal without advice
  • You have less than 6 months left on your deal
  • Or you’re on a residential standard variable rate mortgage
Young couple using digital tablet together at home
  • Advised switching

Switch with an advisor

We can discuss your financial situation and offer advice on the right mortgage product for you. You will also have financial protection if you’re not happy with your deal.

You can switch your mortgage with the support of our advisors if:

  • You have less than 6 months left on your deal 
  • You're on a standard variable rate mortgage
  • You have more than 6 months left on your current deal but are happy to pay an early repayment charge

Switch Buy to Let or Holiday Let

If you want to switch your buy to let or holiday let you can do so up to 6 months before your deal ends. You can switch your buy to let mortgage online or over the phone. To switch your holiday let you will need to call us.

Your home may be repossessed if you do not keep up repayments on your mortgage.

If you fail to keep up with payments on your mortgage, a 'receiver of rent' may be appointed and/or your rental property may be repossessed.