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Your personalised mortgage rates

Switch to a new mortgage rate online

If your current mortgage rate is coming to an end soon, or you’re just considering your options, take a look at the personalised mortgage offers you could switch to below.

  • No legal or valuation fees when you switch rates
  • Simple online application form

Your home may be repossessed if you do not keep up repayments on your mortgage.

Why switch?

You may find there are better mortgage rates available now than when you first took out your mortgage. And if your current rate is due to increase, that’s even more reason to consider switching to a new rate.

The benefits of staying with us:

  • Competitive mortgage rates
  • No legal fees
  • No property valuation fees
  • No income or affordability assessments
  • Easy online application 1

How to switch to a new rate

If you're comfortable switching your mortgage rate yourself and don't need any help from our mortgage advisers, you can switch online now. You’ll find the personalised mortgage rates that are available to you in the table below. If your current rate is variable, or it’s coming to an end soon, you can see how a change in rates will affect your monthly payments by using our interest rate calculator.

Need advice?

If you want to discuss making any other changes to your mortgage − such as changing your mortgage term or borrowing extra funds − or you’d simply prefer getting mortgage advice when choosing a new rate, you can make an appointment with a mortgage adviser. Call us on 0333 202 75782.

Interested in an offset mortgage?

The offset mortgages you can apply for are shown here. If you'd like to use your savings to offset your mortgage, please call us on 0333 202 75782. We'll set up an appointment with one of our mortgage advisers so we can ensure this option is right for your situation.

Your new mortgage rates

Below you’ll find our latest mortgage rates that you’re eligible to switch to. Enter your current mortgage balance and term to accurately calculate the monthly payments for each mortgage. You can find this information in your annual mortgage statement or by logging in to Online Banking.

These mortgage rates may change or be withdrawn at any time, so we can’t guarantee the rate displayed until we receive all the necessary documentation from you. You can view our full mortgage range, save a copy of our Tariff of mortgage charges and read our important legal information.

The estimated monthly payments shown below are for interest-only mortgages. If any part of the mortgage you're switching is on a repayment basis, please call us on 0333 202 75782.

Please specify your outstanding mortgage balance

Remaining term

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.

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Product name

Initial interest rate

Follow on interest rate

Overall cost for comparison

Total borrowing

Product fee

Early repayment charge

Estimated Monthly Repayment

Important information

1. Our online application form can’t be used if:

  • Any part of your mortgage is on a repayment basis
  • You have a buy-to-let, shared ownership or offset mortgage
  • Your mortgage is held by more than 2 people
  • You have any missed payments that are still outstanding
  • You want to discuss making other changes to your mortgage

If any of these circumstances apply to you, please call us on 0333 202 75782 to discuss your options.

2. Lines are open all day, every day – except during Bank Holidays and Christmas period, when lines may be closed at off-peak times. Call charges.