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Is there an early repayment charge if I switch to a new mortgage deal?

If you have already rolled off on to Standard Variable Rate (SVR), there is no early repayment charge when you switch to a new deal with us. 

If your current deal is about to come to an end, we’ll write to you approx. 3.5 months before your deal end date to remind you, and you can switch to a new deal with us, where the new rate will begin after the current one ends. By doing this there is no early repayment charge. This also means you don’t have to wait till your current deal ends before you can choose your new deal.

You can find out if you are eligible to switch to a new deal and the options available to you by logging into our secure portal Manage my Mortgage

To log in you'll need your mortgage account number, surname, date of birth and mortgaged property's postcode. You can find your mortgage account number on your most recent mortgage statement, in the 'Account summary' section in online and mobile banking or on your mortgage offer documentation. 

If you are ‘in deal’ and not yet eligible to switch, but wish to consider breaking your deal, please contact our Mortgage Team for further support.

If you require further support please contact our Mortgage Team via online chat on Manage my Mortgage , who will be happy to help you.

Open Monday to Thursday 8am - 8pm, Friday 8am - 6pm, Saturday 9am - 4pm (excluding public holidays).

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