Notices

  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • From 1 March, our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).

    With exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
    Click here to find out more and apply.

    Notice updated: 3 March 2025

  • IMPORTANT: The last day of the 2024 / 2025 tax year is Saturday 5 April.

    Our online and postal ISA applications for this tax year will close from 5pm on Friday 28 March until the morning of Monday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.

  • Mortgage products - From today, Monday 24 March, we’ve made changes to our mortgage product range. These include an increase to our Joint Borrower Sole Proprietor (JBSP) maximum loan size for Owner Occupier Repayment mortgages to £1,000,000, new Owner Occupier Interest-Only mortgages to 80% LTV, and the introduction of our House in Multiple Occupation (HMO) mortgages to general sale.

     

  • Our new 1 Year Fixed Rate Bond (54) paying 4.60% AER on balances of £10,000+ is now on sale. Exclusively online only.  Find out more here

  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable between Tuesday 25 March at 10:00pm until Wednesday 26 March at 1:00am. We apologise for any inconvenience this may cause.

Mortgage product coming to an end

Mortgage deal ending and want to switch?

If your current mortgage deal with us is coming to an end we offer a wide range of mortgage products available to meet your needs.

What products can I choose?

We have a number of mortgage products available.

 See our current range of mortgage products

 

Once you have selected a mortgage product, you will see at the top of the chosen page a summary of our current range of products available for product switch.

Houses in Multiple Occupancy (HMOs)

If you have a Buy to Let mortgage with us and you have converted your property to a HMO, please get in touch with us so that we can discuss what HMO product options are available for you.

For more information:

Ask us to call back  Email us

How do I change to another product?

Here's what will happen as your mortgage product comes to an end:

  • Step 1: We’ll write to you about three months before your current mortgage product ends and give you details of new products available to you.
  • Step 2: Simply select the product you are interested in and follow the instructions in the letter.
  • Step 3: We’ll then send you a personalised illustration and an acceptance form to sign and return to us (it’s as simple as ticking a box and sending a form back to us).
  • Step 4: Once the acceptance form has been returned to us, we can set up the new arrangement as soon as your existing arrangement finishes.

If you haven't received a letter from us about your mortgage coming to an end but you know which product you would like to switch to, just give us a call on 03330 140146 and we'll send you a personalised illustration and an acceptance form.

 

Online product offer request

Alternatively, you can complete our online mortgage product offer form which is available for our current range of mortgage products.

Simply complete the form, selecting the product you are interested in and our Family Service Team will send you a mortgage offer and other documentation including a mortgage switch form, for you to complete and return to us.

Owner Occupier product offer form  Buy to Let product offer form

 

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

  Ask us to call back  Email us

 

No. As an existing borrower there are NO FEES payable to change your mortgage product.
If you do not take action, the rate of interest on your mortgage will change to the follow on rate as specified in the terms of your mortgage. Whilst your mortgage remains on its follow on rate, you will be able to make capital repayments without incurring an early repayment charge. However, our follow on rates are usually more expensive than our new mortgage products and may cost you more in the long term. It’s also variable so you need to be comfortable with the risk of your monthly payments going up if the rate changes.

But its not too late - even if your current mortgage product has expired you can still switch to a new Owner Occupier or Buy to Let mortgage product with us.

We want you to feel comfortable that you have made the right decision. For your peace of mind, we promise that in the period between you returning your completed Acceptance Form and your existing product ending, if our product range changes you can choose an appropriate alternative product from the new range that you feel is most suited to your needs. For example, if you select a three year fixed rate and a lower rate equivalent product becomes available in the meantime, you can opt for the newer rate as long as we receive your new Acceptance Form before the end of your existing product.

We look forward to helping you switch your mortgage product but please, for your own peace of mind, don't leave it to the last minute.

Our mortgage products available for product switch

Owner Occupier

We offer a wide range of Owner Occupier mortgage products available for product switch for existing borrowers.

See full product details

Individual Buy to Let

See our range of individual Buy to Let mortgage products available for product switch for existing borrowers.

See full product details

Limited Company Buy to Let

We offer a range of Limited Company Buy to Let mortgage products available for product switch for existing borrowers.

See full product details

Family assisted mortgages

We have a number of family assisted mortgage products available for product switch for existing borrowers.

See full product details

Expat Owner Occupier

We offer a range of expat Owner Occupier mortgage products available for product switch for existing borrowers.

See full product details

Expat Buy to Let

We offer a range of expat Buy to Let mortgage products available for product switch for existing borrowers.

See full product details

Retirement Interest-Only mortgage

We have a range of Retirement Interest-Only mortgage products available for product switch for existing borrowers.

See full product details