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Switcher mortgage rates

Take a look through our latest mortgage rates for existing customers looking to switch to a new deal.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

Search our mortgages

Use our mortgage finder to search for mortgages which fit your circumstances.

Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

We've found XX mortgages that may be available for you:

Unfortunately we do not currently have any products which match the criteria you have specified. Try changing some of the filters to update the results.

Fixed Rate Mortgages

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  • 2 Year Fixed Rate Mortgage 60% LTV Switcher
  • Initial Rate 1.44% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 30/04/2022, followed by 1% of amount repaid until 30/04/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 75% LTV Switcher
  • Initial Rate 1.59% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 30/04/2022, followed by 1% of amount repaid until 30/04/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 80% LTV Switcher
  • Initial Rate 1.89% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 30/04/2022, followed by 1% of amount repaid until 30/04/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV Switcher
  • Initial Rate 3.14% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 30/04/2022, followed by 1% of amount repaid until 30/04/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 60% LTV Switcher
  • Initial Rate 1.64% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2024

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      3% of amount repaid until 30/04/2022, followed by 2% of amount repaid until 30/04/2023, followed by 1% of amount repaid until 30/04/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 80% LTV Switcher
  • Initial Rate 1.94% Fixed
  • Overall Cost for Comparison 3.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2024

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      3% of amount repaid until 30/04/2022, followed by 2% of amount repaid until 30/04/2023, followed by 1% of amount repaid until 30/04/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 90% LTV Switcher
  • Initial Rate 3.24% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2024

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      3% of amount repaid until 30/04/2022, followed by 2% of amount repaid until 30/04/2023, followed by 1% of amount repaid until 30/04/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 60% LTV Switcher
  • Initial Rate 1.69% Fixed
  • Overall Cost for Comparison 3.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 30/04/2022, followed by 4% of amount repaid until 30/04/2023, followed by 3% of amount repaid until 30/04/2024, followed by 2% of amount repaid until 30/04/2025, followed by 1% of amount repaid until 30/04/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 75% LTV Switcher
  • Initial Rate 1.84% Fixed
  • Overall Cost for Comparison 3.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 30/04/2022, followed by 4% of amount repaid until 30/04/2023, followed by 3% of amount repaid until 30/04/2024, followed by 2% of amount repaid until 30/04/2025, followed by 1% of amount repaid until 30/04/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 80% LTV Switcher
  • Initial Rate 2.04% Fixed
  • Overall Cost for Comparison 3.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 30/04/2022, followed by 4% of amount repaid until 30/04/2023, followed by 3% of amount repaid until 30/04/2024, followed by 2% of amount repaid until 30/04/2025, followed by 1% of amount repaid until 30/04/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV Switcher
  • Initial Rate 3.44% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 30/04/2022, followed by 4% of amount repaid until 30/04/2023, followed by 3% of amount repaid until 30/04/2024, followed by 2% of amount repaid until 30/04/2025, followed by 1% of amount repaid until 30/04/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.

Representative example

A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 1.54% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £818.48, 26 monthly payments of £622.82 and 273 monthly payments of £799.82.

The total amount payable would be £235,557.66 made up of the loan amount plus interest (£80,404.39) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.6% APRC representative.

Variable Mortgages

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  • 2 Year Discounted Variable Rate Mortgage 60% LTV Switcher
  • Initial Rate 1.29% Variable
  • Overall Cost for Comparison 3.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      1% of amount repaid until 28/02/2022, followed by 0.5% of amount repaid until 28/02/2023, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Discounted Variable Rate Mortgage 75% LTV Switcher
  • Initial Rate 1.39% Variable
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      1% of amount repaid until 30/04/2022, followed by 0.5% of amount repaid until 30/04/2023, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Discounted Variable Rate Mortgage 85% LTV Switcher
  • Initial Rate 1.84% Variable
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/04/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      1% of amount repaid until 30/04/2022, followed by 0.5% of amount repaid until 30/04/2023, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.

Representative example

A mortgage of £155,000 payable over 25 years initially on a variable rate for two years at 1.34% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £778.57, 26 monthly payments of £608.32 and 273 monthly payments of £798.23.

The total amount payable would be £234,706.68 made up of the loan amount plus interest (£79,555.38) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.5% APRC representative.

How to switch

To switch your mortgage deal with us, you can either:

Apply online

If you've had a look at our mortgage deals and know which one you would like to switch to and do not need advice, you may be able to submit your request to switch to a new mortgage deal online. This is also known as Execution Only.

Please note: you must meet certain criteria in order to be able to switch online.


Apply to switch online

Receive advice

If you’re unsure which deal is right for you or you would prefer to discuss your mortgage requirements, you can speak to one of our qualified mortgage advisers who will be happy to assess your mortgage needs. To make an appointment simply call 0345 241 4767.

Plus, if you want to make any changes to your mortgage, move to another property or borrow more, they can help with that too.







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