When can I switch my mortgage rate?

You can switch your rate if your mortgage doesn’t come with an early repayment charge or if you’re in the last 180 days of an early repayment charge period. Your current rate won’t change until after those 180 days are up. 

You can still switch now if you’ve got more than 180 days of your early repayment charge period left, but you’ll need to pay the charge.

Have a look at our mortgage support hub for the latest details on rate changes, including how to switch.