Exclusive rates for mortgage customers

Switch to a new rate if you have a mortgage with us

If your mortgage rate with us is ending soon or you’re already on our follow-on rate, you could switch to one of our exclusive rates.

  • Switch a fixed-rate or tracker mortgage for your home
  • Rates are available for buy-to-let properties
  • No income or affordability assessments, no legal or valuation fees

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

How to switch

It's flexible

You can arrange to switch a new rate up to 90 days before your current rate ends. If your deal has already ended, or you have no early repayment charges, you can apply to switch now.

Switch your residential rate online

If you’ve registered for Online Banking and don’t need any mortgage advice, you can switch your rate instantly with no paperwork to complete. We’ll write to you afterwards to confirm the change.

Register for Online Banking

Designed to meet your needs

Switch online if you’re happy to choose your own residential mortgage rate and you’re not making any other changes. If you have a buy-to-let mortgage or would like some mortgage advice, please call us.

Get advice before you switch

Please make an appointment with a mortgage adviser if you

  • Aren’t sure which rate is right for your needs
  • Want to make other changes to your mortgage while switching your rate, such as borrowing more money or changing the term
  • Have an offset mortgage but want to change to a different type
  • Are thinking about switching your current deal to an offset mortgage

To book your appointment, call 0333 202 75781. Lines are open Lines are open Monday to Friday 8am – 9pm, Saturday 9am – 8pm and Sunday 10am – 4pm.

Switching a buy-to-let rate

If you have a buy-to-let mortgage, check our exclusive rates and then call us on 0800 022 40222. Lines are open Monday to Friday, 8:30am – 5.30pm and Saturday 9am – 1pm.

Exclusive buy to let rates

Our rates for residential mortgage customers

The mortgage table 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.

You can view our full mortgage range, save a copy of our tariff of mortgage charges and read our important legal information.

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Initial period
Deal type

Your mortgage options explained

Fixed-rate mortgages

  • Fix your mortgage payment amount for a set period so you can plan your budget
  • You could make overpayments without paying early repayment charges2
  • Move to our variable rate or apply to switch to a new deal when your fixed rate ends

Tracker mortgages

  • Your rate tracks our base rate, so your mortgage payments could vary
  • Switch to one of our fixed-rate mortgages whenever you want to
  • You could make overpayments without paying early repayment charges2

Offset mortgages

  • Link your savings to an offset mortgage to reduce the balance you pay interest on
  • Choose whether to reduce your mortgage duration or your monthly payments
  • Keep instant access to your savings, which you’ll no longer have to pay tax on

Need some help?

You can talk to us about our mortgages online, in branch or by phone at a time that suits you.

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us3 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081

Visit a branch

Contact a branch that offers appointments with one of our expert mortgage advisers.