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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 would like to switch to and do not 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. 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.
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 Please note, these deals can be withdrawn or changed at any time.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
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 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
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 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
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 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
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 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.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 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.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 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
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 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
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 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.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 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.
Representative example
A mortgage of £130,000 payable over 25 years initially on a fixed rate for two years at 5.04% and then on our current standard variable rate of 6.74% (variable) for the remaining 23 years would require an initial payment of £1,300.05, 26 monthly payments of £763.00 and 273 monthly payments of £887.86.
The total amount payable would be £263,670.55 made up of the loan amount plus interest (£133,545.55) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.6% 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.
