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Mortgage deal ending and want to switch?

If your current mortgage deal with us is coming to an end we offer a wide range of mortgage products available to meet your needs.

What products can I choose?

We have a number of mortgage products available. Take a look at our current range of mortgage products below.

 

How do I change to another product?

Here's what will happen as your mortgage product comes to an end:

  • Step 1: We’ll write to you about three months before your current mortgage product ends and give you details of new products available to you.
  • Step 2: Simply select the product you are interested in and follow the instructions in the letter.
  • Step 3: We’ll then send you a personalised illustration and an acceptance form to sign and return to us (it’s as simple as ticking a box and sending a form back to us).
  • Step 4: Once the acceptance form has been returned to us, we can set up the new arrangement as soon as your existing arrangement finishes.

If you haven't received a letter from us about your mortgage coming to an end but you know which product you would like to switch to, just give us a call on 03330 140146 and we'll send you a personalised illustration and an acceptance form.

 

Online product offer request

Alternatively, you can complete our online mortgage product offer form which is available for our current range of mortgage products.

Simply complete the form, selecting the product you are interested in and our Family Service Team will send you a mortgage offer and other documentation including a mortgage switch form, for you to complete and return to us.

Owner Occupier product offer form  Buy to Let product offer form

 

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

  Ask us to call back  Email us

 

No. As an existing borrower there are NO FEES payable to change your mortgage product.
If you do not take action, the rate of interest on your mortgage will change to the follow on rate as specified in the terms of your mortgage. Whilst your mortgage remains on its follow on rate, you will be able to make capital repayments without incurring an early repayment charge. However, our follow on rates are usually more expensive than our new mortgage products and may cost you more in the long term. It’s also variable so you need to be comfortable with the risk of your monthly payments going up if the rate changes.

But its not too late - even if your current mortgage product has expired you can still switch to a new Owner Occupier or Buy to Let mortgage product with us.

We want you to feel comfortable that you have made the right decision. For your peace of mind, we promise that in the period between you returning your completed Acceptance Form and your existing product ending, if our product range changes you can choose an appropriate alternative product from the new range that you feel is most suited to your needs. For example, if you select a three year fixed rate and a lower rate equivalent product becomes available in the meantime, you can opt for the newer rate as long as we receive your new Acceptance Form before the end of your existing product.

We look forward to helping you switch your mortgage product but please, for your own peace of mind, don't leave it to the last minute.

Our mortgage products available for product switch

Owner Occupier products

We offer a wide range of Owner Occupier mortgage products available for product switch for existing borrowers.

Individual Buy to Let products

See our range of individual Buy to Let mortgage products available for product switch for existing borrowers.

Limited Company Buy to Let products

We offer a range of Limited Company Buy to Let mortgage products available for product switch for existing borrowers.

Family assisted mortgage products

We have a number of family assisted mortgage products available for product switch for existing borrowers.

Expat Owner Occupier products

We offer a range of expat Owner Occupier mortgage products available for product switch for existing borrowers.

Expat Buy to Let products

We offer a range of expat Buy to Let mortgage products available for product switch for existing borrowers.

Retirement Interest-Only mortgage products

We have a range of Retirement Interest-Only mortgage products available for product switch for existing borrowers.