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Help & info

Just type in your query, or have a look at the list of popular questions below.

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 4 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 3 accounts associated with your mortgage (referred to as sub accounts)
  • The remaining term of your mortgage is more than 12 months.

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