My current mortgage deal is ending, how do I change to a new deal?

You can switch to a new deal if your existing deal is due to end within four months, or if you're on our Standard Variable Rate. There's no need for a valuation, unless you believe your property has increased in value.

You can switch to a new product a maximum of 10 days before your current mortgage product end date. We will not complete a credit check unless you want to request additional borrowing.

Execution Only Service
You may be able to opt for our Execution Only service if you are an existing customer. Execution Only means that you choose a product yourself without receiving advice from us. This is available in certain circumstances through our Mortgage Team on +44(0)8000 288 288 (call charges). Lines are open 8am-8pm Monday to Friday and 9am-1pm Saturday.

Customers opting for this service will not have a suitability assessment and will not benefit from the protection of the Financial Conduct Authority's (FCA's) suitability rules. If you are unsure, have any questions or doubts we are happy to provide you with an advised service at no extra cost.

The execution only service is not suitable for all customers and is subject to eligibility criteria.

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