[x close]


If your existing special rate period is coming to an end or you want to switch to another deal, we've got a range of mortgages to choose from.

Early Repayment Charges apply and other fees and charges may apply.

Due to coronavirus, our mortgage team are currently experiencing a significantly higher volume of calls than normal. If you need to speak to us for advice on your mortgage, you may need to wait for appointments to become available. Alternatively, you can use our online services if you feel confident in choosing a mortgage deal that’s right for you.

How does it work

It's easy & simple. Switch your deal in just 4 simple steps.


We send you a reminder

Around 90 days before your current deal is due to end, we'll contact you. We only offer you deals that we know you're eligible for and we'll send you these in the post.


Review your options

To compare monthly payments you can retrieve your mortgage online, you just need your mortgage account number. You'll find this on any letter we've sent about your mortgage.


Choose a new deal

Look through our latest deals right now and find the deal that's right for you.

Note that there are specific deals for buy to let and self-certified mortgage customers.

Need help deciding? Speak to one of our experts.


Switch your deal!

You can do this online or over the telephone. Once you’ve made your choice and paid any fees we will confirm your new deal. You'll receive a letter confirming your changes.


No mortgages found Sorry, there are no deals on sale that match your current search criteria. Please change your details and try again.

Please enter a borrower type.

Please enter a property value.

Please enter a deposit borrowing amount.

Please enter an existing mortgage balance.

Please enter an amount being switched

Please enter a term.

Your property value must be greater than your deposit borrowing amount.

You have asked to switch {{mortgageListing.customer.loan | currency:'£': 0}}. The minimum amount you can switch is £3,000. Please amend the amount and try again.

A minimum remaining term of 2 years 3 months is required to switch to a new deal. Please update your details and search again or if your remaining mortgage term is less than 2 years 3 months, please contact us.

You have asked to borrow {{mortgageListing.customer.loan | currency:'£': 0}}. The maxmimum amount we will lend is £5,000,000. Please adjust your property value or depositborrowing amount.

{{mortgageListing.mortgages.length | displayMortgageCount}}

{{ :: product['Term']}} Year {{ :: product['Rate 1 Type']}} {{product['Category']}} BTL Self Cert {{ :: product['Max LTV']}}% LTV

({{ :: product['New Code']}})
Interest rate  
{{ :: product['Interest Rate 1']}} variable (BoE Base rate + {{ :: product['Rate 1 BOE loading']}}) variable (YBS Standard Variable Rate {{ :: product['Rate 1 BOE loading']}}) fixed until {{ :: product['Rate 1 End Date']}}.
Overall cost for comparison   {{ :: product.APRC}} APRC
Product fee  
{{ :: product['Comp Fee'] | currency:'£': 0}}
Monthly payment for amount switched  
{{ product['estimatedMonthlyPayment'] | currency:'£': 0}} ({{product['estimatedMonthlyPaymentIncludingFee'] | currency: '£': 0}} if product fee added to mortgage balance) on an interest only repayment basis
Estimated total cost paid over the deal period
{{ product['trueCostTerm'] | currency:'£': 0}} ({{product['trueCostTermIncludingFee'] | currency: '£': 0}} if product fee added to mortgage balance)
Additional features Free valuation Free legals {{ product['Cashback'] | currency:'£': 0}} cashback
Early Repayment Charges apply and other fees and charges may apply.
{{ productInfoText }} Apply now

Product Details

Key features

End date: {{:: product['Rate 1 End Date']}}

Offset: No Yes

Reverting to: {{:: product['SVR']}}


Cashback: {{:: product['Cashback']}}

Free standard valuation

Additional info

Buy to Let customers only

Self Cert​ifcation customers only



Overpayments: {{:: product['Overpay']}}

Available for:

Product Transfer

Minimum loan amount:

{{:: product['Min Loan Policy'] | currency:'£': 0}}

Early Repayment Charges

{{:: product['ERC rank 1']}}

{{:: product['ERC rank 2']}}

{{:: product['ERC rank 3']}}

{{:: product['ERC rank 4']}}

{{:: product['ERC rank 5']}}

{{:: product['ERC rank 6']}}

{{:: product['ERC rank 7']}}

{{:: product['ERC rank 8']}}

{{:: product['ERC rank 9']}}

{{:: product['ERC rank 10']}}

Effective date

Compare up to 3 mortgages

  • {{ :: product['Term']}} year {{ :: product['Rate 1 Type'] | uncapitaliseFirstLetter:product}} {{ :: product['Category'] | uncapitaliseFirstLetter:product}} - {{ :: product['Max LTV']}}% LTV ({{ :: product['New Code']}})
  • Select another mortgage to compare

Reason to stay with us

Choosing a mortgage is a big financial decision. We can offer you a tailor-made range of deals to choose from, all brought to you from a provider who wants to give real help with real lives.

Owned by you

If you’re a member, the Society belongs to you. Not external shareholders, just customers and people like you.

Award winning

We have a string of awards from Best First Time Buyer Mortgage Provider to Best Offset Mortgage Provider.

Part of the community

From educational programmes to improving financial literacy and supporting people in challenging situations.

Reason to switch

A straight forward service that you can complete on your own terms and in your own time.


You can reserve your new deal

You can reserve a new deal up to 90 days before your current deal ends. If Early Repayment Charges apply, you can even delay switching until they no longer apply!


You can switch quickly

If you'd prefer, we can switch deal in a matter of days/hours. Commonly takes between 4 to 8 weeks if you were to move to another lender.


We've already checked your eligibilty

We only offer you deals that we know you're eligible for.


There's no credit check

Switching your deal with us will not affect your credit rating. Remortgaging with another lender would.


There's no need for a house valuation

Since you already have your mortgage with us. (Although a revaluation is required as part of the Buy to Let Product Transfer application process.)


There's no need for a solicitor

You won't need a solicitor to help you switch deal. You will if you remortgage with another lender.



What happens if I don't switch?

If you don’t do anything then your mortgage will go onto our Standard Variable Rate (SVR).

  • Your mortgage payments could go up or down
  • You can make unlimited overpayments
  • You can pay your mortgage off early without any Early Repayment Charges


Things to consider

Before you switch your mortgage deal, it's important you read the following:

Quick checklist

  • If the mortgage is in joint names you must have the authority to switch deal on behalf of all applicants.
  • The property should be your main residence.
  • Your mortgage must have less than one month's arrears (maximum amount of £100 at the time you switch deal) and have no more than one missed payment in the last 12 months.
  • You must also meet all of our other lending criteria .

Our service does not support:

If you are trying to do any of these, please call us .


You can switch in minutes

If you have all the information to hand and have read the things to consider above, then you are ready to get started. There are 2 ways you can switch.

Current deal about to end? We require up to 7 days to process any switch to a new deal, so if you choose to switch with less than 7 days of your existing deal remaining, your interest rate may revert to our standard variable rate (currently 4.49%) and your next monthly mortgage payment may increase.


Apply online

You just need your mortgage account number. You'll find this on any letter we've sent you about your mortgage.

Will I receive advice?


Over the phone

Talk to one of our friendly mortgage advisers
If you would like advice about our mortgage products.

0345 166 9300*

9am - 5pm: Mon to Fri
9am - 1pm: Sat

Manage preferences

Select the cookies that you are happy for us to collect in order to personalise and enhance your experience.

Your preferences will be valid for 12 months. You can review your choices at any time in your browser settings. To find out how to manage your cookies and what information is being collected read our cookie policy

Cookies strictly necessary

Essential for performance. These allow you to browse and navigate our website.

Performance (analytics) cookies

Used to understand how people use our website. These allow us to track users through the site so we can make informed decisions on improvements.

Advertising cookies

Used to try and understand which of our products and services are relevant to you.

Save changes