Existing Borrowers

When your current mortgage deal is coming to an end, we’ll write to you about switching your rate.

Your letter will tell you how you can switch.

If you've received your letter and it says you can switch your mortgage rate online, you can do this here - make sure you have your login details included in your letter to hand:

Switch Online

If your letter doesn't say you can switch online, or if you'd just prefer some guidance, our Mortgage Advisers can help you make the switch.

If you aren't coming to the end of your deal yet, you may be able to switch early, but you may have to pay an Early Repayment Charge to exit your current deal. Speak to one of our Advisers to discuss your individual circumstances.

If you are currently on our Standard Variable Rate, you can switch your rate by contacting our Mortgage Adviser Team:

Speak to an Adviser

We give our mortgage customers plenty of options if you want to move home.

It’s a good idea to speak with a Mortgage Adviser if you’re thinking about moving, as they’ll be able to identify the option that’s best for you.

Speak to an Adviser

If it’s in your best interest to keep your existing rate, you may be able to take your current mortgage product with you to your new home – also known as porting your mortgage.

Another option is to change your mortgage product when you take out the mortgage on your new house.

Bear in mind though:

Unless you’re currently on our Standard Variable Rate (SVR) or you’re nearing the end of your current deal, you’ll usually have to pay an Early Repayment Charge to change your product.

If you do decide to change your product, all our House Purchase mortgages are available to existing customers.

If you're interested in borrowing more on your mortgage, please get in touch with our Mortgage Advisers:

Speak to an Adviser

To add or remove someone from your mortgage, please get in touch with our Advisers:

Speak to an Adviser

If you want to pay off your mortgage you will need to request a redemption statement.

If you would like to receive your redemption statement by post, please fill in this form. Your statement will be sent to the correspondence address we hold on your file.

If you would like to receive your redemption statement via email, please call our Mortgage Servicing team on 01633 844 370. The team will arrange a password with you before we send out your redemption statement via encrypted secure email.