Make changes to your mortgage

If you’re coming to the end of your current mortgage deal with us, or you’re on our standard variable rate, you may want to start thinking about switching to one of our other products.

You can even make a switch during your promotional rate period if you want. But you might have to pay an early repayment charge – so it's important to consider the costs carefully.

Ready to switch?

Every one of our flexible mortgages gives you the option of switching to another product. And as we’ve already got all your details, switching should be quick and simple.

If you want some advice about switching, give us a call on the number below and our qualified mortgage advisers will go through your options with you.

If you already know what mortgage you want and you’re happy to choose your own deal, you can apply to switch your mortgage online.

If you don’t switch

If you decide not to switch at the end of your promotional rate period, we’ll change your interest rate to our Standard Variable Rate. So your monthly payments may go up.

Need more info?

We’ve got lots more information about switching, including when you can switch, how switching works, and what happens if you don’t switch.

When you’re moving home, we know there’s more to think about than your mortgage. So let us take the stress away by packing up your mortgage and taking it with you.

Can I move my mortgage?

Moving with your mortgage – sometimes called porting – means you may be able to move home and keep your interest rate for your current outstanding mortgage balance.

You can apply to move your mortgage to another property, as long as you've had it for at least six months.

But if you already own the other property, you can’t move your mortgage to it – this is only available for new house purchases.

What will it cost?​

When you move, you'll have to pay for a valuation of the new property and any legal fees that apply. ​

If your new property costs the same as your current one, and we can do a straight swap on the day you move, you won't pay an early repayment charge. But if there are any delays, we may charge you then give you a refund when you complete the new mortgage.​

If you’re downsizing and your new home costs less than your old one, we can simply reduce your mortgage. If you're still within your promotional rate period, a repayment charge may be payable on the amount you’re reducing it by.

Ready to make the move?

Give us a call and our team will guide you through the process. We'll make sure your new mortgage is in line with our lending criteria and our maximum loan-to-value ratio.

We'll also have to do a full affordability assessment if you want to move your mortgage and:

• Increase your loan-to-value ratio
• Reduce your mortgage term
• Change the names on your mortgage

Whatever the circumstances, there may be times when you have to make changes to the names on your mortgage or property title. You can do this at any time – just get in touch.

How it works

If you're adding someone to the mortgage, we’ll do an affordability assessment and check their credit history to make sure they can afford the payments.

If you want to take someone off the mortgage, we'll do similar checks to make sure the person or people left can still afford to pay it.

We'll then sort out all the paperwork for you and send it to your conveyancer so they can deal with the transfer and arrange for the title to be updated. You’ll be responsible for these costs, so you might want to contact your conveyancer first to get an idea of how much this will be.

Ready to make a change? Give us a call on the number below and we’ll explain what we need to do next.