Mortgages
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Reasons 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.
6 reasons why switching with us is so easy!
1
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!
2
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.
3
We've already checked your eligibilty
We only offer you deals that we know you're eligible for.
4
There's no credit check
Switching your deal with us will not affect your credit rating. Remortgaging with another lender would.
5
There's no need for a house valuation
Since you already have your mortgage with us.
6
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
How does it work?
It's easy & simple. Switch your deal in just 4 simple steps.
1
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.
2
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.
3
Choose a new deal
Look through our latest deals right now and find the deal that's right for you.
4
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.
Things to consider
Quick checklist
Our service does not support:
If you are trying to do any of these, please call us .
Buy to Let customers
If your original mortgage was Buy to Let, a separate range of Buy to Let transfers is now available up to 85% Loan To Value .
Follow these steps to find a new deal:
-
View our exclusive existing customer Buy to Let deals below to find the right deal for you:
-
Call us to discuss transferring to a new deal.
Self-certified mortgages
If your original mortgage was self-certified, a separate range of Self Cert Mortgage product transfers is available. We can also review your Self Certification status if you are able to provide evidence of your income that meets our lending criteria. To request a new deal:
-
View our exclusive existing customer deals below to find the right deal for you:
-
Call us to discuss transferring to a new deal.
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.
Apply online
You just need your mortgage account number. You'll find this on any letter we've sent you about your mortgage.
Over the phone
Talk to one of our friendly mortgage advisers
If you would like advice about our mortgage products
0345 166 9300*
8am - 8pm: Mon to Fri
9am - 1pm: Sat