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Switch mortgage

I want to switch my mortgage rate

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If your current fixed rate mortgage is coming to an end, or you're on the standard variable rate or Buy to Let standard variable rate, we can help you switch to a new mortgage rate.

Why should you consider switching your rate?

You could save money by switching to another rate compared to our standard variable rate

You can agree your mortgage rate up to 12 weeks before your current rate ends

We won't need to check your credit rating as you're an existing mortgage customer

No valuations are required

No legal work is required.

What happens if I don't switch my mortgage rate?

If you're on a fixed rate which is ending soon, you'll be moved onto the standard variable rate for residential mortgages or Buy to Let standard variable rate for Buy to Let mortgages. Details of this can be found on your mortgage Offer document.

  • Your mortgage payments will be variable so these could go up or down
  • You'll be able to make unlimited overpayments
  • You could pay off your mortgage early without any Early Repayment Charges
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