Who's eligible to switch online?

You’re eligible to switch online if:

• You do not have a shared ownership or shared equity mortgage
• Your Early Repayment Charge expires within the next 6 months or you already have a product without any Early Repayment Charges
• No extra borrowing is required
• You are not planning on changing the mortgage term at the same time as switching products
• You do not want to add or remove an account holder to or from the mortgage at the same time as switching products
• You do not want to change the repayment method eg. Moving from Interest Only to Capital and Interest at the same time as switching products
• You have not missed any mortgage payments within the last 12 months
• The remaining mortgage term is longer than the term of the product required
• The mortgage balance of the account you want to switch is more than £5,000
• You don’t want to switch more than 4 accounts associated with your mortgage (referred to as sub accounts)
• The remaining term of your mortgage is more than 12 months.