Switch to a new rate if you have a mortgage with us
If you have a buy-to-let mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more.
If you do not keep up repayments on a buy-to-let mortgage, we may repossess the property or appoint a receiver of rent.
You can plan ahead
Arrange to switch up to 90 days before your current rate ends, or switch now if you’re already on our follow-on rate.
You can switch earlier if
No switching fee
We won’t charge you any legal or valuation fees, and there are no income or affordability assessments when you switch – but you may have to pay a product fee.
You can switch online
If you’re not considering making any other changes to your mortgage, you can switch online. Call us to get your personalised switching web address. Just book an appointment.
We’re here to help
Have your mortgage needs changed? Our mortgage team can help if you want to borrow more, change your term or make any other changes.
Cancel your rate switch
You can cancel your rate switch any time before your new rate starts.
If you have a single part mortgage and you’re waiting for your new rate to start, you can cancel it in the app. To do this, go to your home page and select your mortgage account, then go to ‘Cancel your rate switch’.
If you have a mortgage with multiple parts, or your new rate has started, you’ll need to call us on 0333 202 7580 to discuss your options. We’re here Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm, Sundays closed, and bank holidays from 9am to 5pm.
To make any changes other than switching, or if you’d prefer not to switch online, please make an appointment to speak to our mortgage team. Lines are open all day, every day – except during bank holidays and Christmas period, when lines may be closed at off-peak times.
Call us on 0333 202 75781to get a personalised web address that ensures you get access to our exclusive deals.
Lines are open Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm, Sundays closed, and bank holidays from 9am to 5pm.
Making other changes or don’t want to switch online?
The mortgage table [PDF, 361KB] below shows the initial interest rate, as well as the follow-on rate, the loan to value and any mortgage fees and early repayment charges you may need to pay.
Our Buy-to-Let Reward rates are only available if you're switching rates or borrowing more on one of our Buy-to-Let mortgages.
Mortgages for unlocking your dream home
If you're thinking of buying your dream home, we're here to help seven days a week (except bank holidays). Call our mortgage experts
Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm, Sundays closed, and bank holidays from 9am to 5pm.
Unlock your dream home