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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.

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.


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 your deal in just over a week. 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 .


Ready to switch?

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 4.99% ) 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?

Or to switch your buy-to-let mortgage, please call us on

0345 166 9503*


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


Frequently asked questions


When can I switch deal?

Before your existing mortgage deal ends, we will contact you with details of products you are able to switch to. Once you have told us which product you want to switch to, you can either arrange the transfer to a new product to begin immediately after the current deals ends, or pay Early Repayment Charges (ERCs) to switch to the new product straight away.

What if I don't choose a new product to switch to before the end of my current deal?

If you don’t tell us which product you want to switch to before the end date of your current deal, you will automatically move onto our Standard Variable Rate (SVR). Don’t worry, there will be other products for you to consider, however these may differ from the current range available.

What happens if more than one part of my mortgage is maturing?

When you have more than one mortgage part, we will contact you about each part that is maturing and let you know the products that are available for each one.

If you have more than one mortgage part and these each have different product end dates, then you may be offered an alternative product range for each, as they are designed and created specifically for the time your existing deal ends.

How can I move all mortgage parts onto the same product?

If you have more than one part to your mortgage and the products end in the same month, then you will be offered the same product range for each, so you can take one product and apply this across all applicable parts.

If you have more than one part to your mortgage and your products end in different months, then you may be offered an alternative product range for each, as they are designed and created for different points in time. However, if aligning your part end dates is your priority, you will be able to do this once all parts are on our Standard Variable Rate (SVR). This would mean that you may have a higher monthly payment than if you secured a new product before your deal ended, so you’ll need to have a think about whether if this is the right option for you.

Can I switch my deal before it ends?

Yes you can switch to a new product before your current deal ends, but Early Repayment Charges (ERCs) may apply.

If you choose to switch early, we will share with you what products are available. If you have a part where the product is maturing, and you also have a part that is still within deal, then you will have different product ranges to choose from for each part.

What is the minimum loan size needed to switch?

Currently £3,000 is the minimum loan size that any maturing part(s) will need to meet for you to be able to switch to a new product.

What if my mortgage part(s) don't meet the minimum loan size?

If you have more than one part of your mortgage maturing in the same month that doesn’t meet the minimum loan size of £3000, you may be able to combine the balances of each to take a new product (as long as this combined total exceeds the minimum loan amount).

If you have one part maturing where the balance is below the minimum loan amount, but your total mortgage balance exceeds the minimum, you may be eligible for a product in the future:

  • For customers with part(s) on Standard Variable Rate (SVR) – If you can combine the part(s) on SVR with the maturing part below the minimum loan amount to meet the minimum loan size, you will be able to choose a new product once that part has matured.
  • For customers with part(s) tied into products - If you have a part maturing with a balance below the minimum loan amount, but your total mortgage balance is over the minimum loan amount (although tied into other products), you will be able to choose a new product once other parts have matured and are on our SVR.

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