Attention: You need JavaScript enabled to use this site.
We use cookies to ensure that we give you the best browsing experience on our website. This includes cookies from third party analytics providers to help us understand how you use our site so we can continually improve. You can delete and block cookies, but parts of our site won't work without them. Manage Cookies
As an existing customer you have the opportunity to switch to a new mortgage deal with us. We have a variety of deals available for you to chose from.
To switch your mortgage deal with us, you can either:
If you've had a look at our mortgage deals below and know which one you'd like to switch to and don't need advice, you can submit your request to switch to a new mortgage deal online. This is also known as Execution Only.
We regularly review our mortgage deals in line with market conditions. This means if you choose to switch to a new deal with us, up until your current mortgage deal comes to an end, you can change your mind if you find a more suitable deal available for you.
Apply to switch onlineIf 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.
Plus, if you want to make any changes to your mortgage, move to another property or borrow more, they can help with that too.
To make an appointment call 0345 241 4767.
We have a variety of fixed and variable rate deals to choose from depending on your Loan to Value (LTV). Use our tools below to calculate your repayments and view the deals you may be eligible for. Please note, these deals can be withdrawn or changed at any time.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/05/2027, followed by 1.5% of amount repaid until 31/05/2028 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.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/05/2027, followed by 2.5% of amount repaid until 31/05/2028, followed by 1.5% of amount repaid until 31/05/2029 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/05/2027, followed by 4.5% of amount repaid until 31/05/2028, followed by 3.5% of amount repaid until 31/05/2029, followed by 2.5% of amount repaid until 31/05/2030, followed by 1.5% of amount repaid until 31/05/2031 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.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £132,000 payable over 25 years initially on a fixed rate for two years at 3.99% and then on our current standard variable rate of 6.24% (variable) for the remaining 23 years would require an initial payment of £1,143.34, 26 monthly payments of £696.02 and 273 monthly payments of £856.63.
The total amount payable would be £253,253.14 made up of the loan amount plus interest (£121,128.14) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.0% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 31/05/2027, followed by 1% of amount repaid until 31/05/2028, 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.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £145,000 payable over 25 years initially on a variable rate for two years at 4.34% and then on our current standard variable rate of 6.24% (variable) for the remaining 23 years would require an initial payment of £1,327.31, 26 monthly payments of £792.84 and 273 monthly payments of £943.52.
The total amount payable would be £279,675.56 made up of the loan amount plus interest (£134,550.56) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.0% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
