Switching to a New Deal

If your existing mortgage product with us is coming to an end, you may be able to switch over to one of our exclusive loyalty products.

Benefits of switching to a new loyalty product with us:

  • no hassle – it’s straightforward and easy to arrange
  • no valuation or legal fees
  • no credit or affordability assessments if you aren’t making other changes to your mortgage
  • you can reserve a loyalty deal if you are within 4 months of the end of your current deal


When your existing product is within 4 months of ending, we will write to you with your options. We do not currently display these products on our website because availability can change. The letter will give you the option to self-select a new deal or contact us for advice.


Self-selecting your New Deal

If you choose to self-select your new deal, when you receive your letter, all you need to do is simply select the product that you would like, using the tick boxes available, and return it to us in the pre-paid envelope provided.

By using this approach to choosing a new product, you need to be sure that you don’t need advice, your circumstances haven’t changed, or you do not intend on making other changes to your mortgage, such as borrowing more with us.

When you self-select your product choice you will be acting on an ‘execution only’ basis and you won’t get the same level of protection from the Financial Conduct Authority (FCA) as you would from an advised service.

If you are unsure and feel that you need advice then our Mortgage Advisors will be able to help you.


Receiving Advice

If your circumstances have changed or you’re not sure which mortgage product to choose, please contact our Mortgage Advisors who will be able to recommend the most suitable product for you once they have established your circumstances, wants and needs.

We can even help if you need to borrow a little more to raise funds for things like home improvements, a deposit on a family member’s new home, or assist with the purchase of a buy to let property.

You can use the call back request or call the team via the contact details above or visit one of our branches and make an appointment.


Online Repayment Calculator

If you want to know how much your monthly mortgage repayments might be on a new loyalty deal and you know your outstanding mortgage balance and term, please use our online repayment calculator available from our mortgages page or any of our mortgage product pages.

If you are unsure of the amount of your mortgage balance or the remaining term, please contact us and we will be happy to provide it.


Taking No Action

If you decide not to take up a loyalty deal with us, you will be transferred onto our Standard Variable Rate (SVR) until your mortgage comes to an end, or until you choose to move to another deal either with us or an alternative provider.

By being on our SVR, you are free to move your mortgage without incurring any early repayment charges but you could be paying more than you need to. If you choose a loyalty deal with us, you will benefit from a lower rate but you would incur early repayment charges if you decide to move to another mortgage provider within the product term.


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