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Switching your mortgage rate
Your home may be repossessed if you do not keep up your payments
If you’ve got a first direct mortgage and your current rate is coming to an end, you’d be amazed just how quickly you can switch your mortgage rate. If you don’t switch when your existing rate ends, you’ll automatically move onto our Standard Variable Rate. The SVR can change at any time, meaning your monthly payments can go up or down.
Why switch with us?
- Choose your new rate 180 days before your current rate expires
- We’ve got rates just for our existing mortgage customers
- No credit search, statements or payslips required
- Access to free advice from a first direct mortgage adviser
- Unlimited overpayments*
- Transfer a booking fee paid over to a new deal
* An overpayment may be subject to an Early Repayment Charge if the mortgage account is repaid in full during the fixed rate period.
How it works
- Use our handy calculator to show the rates that are available to you and your estimated monthly payment. Don't forget to select Existing Mortgage Customer.
- Once you’ve chosen a rate, give us a call and we’ll get it booked
- If you're not sure which rate is right for you, our mortgage advisers could recommend a rate based on your circumstances and needs
- We'll take care of the rest and move you onto your new rate when your current one ends
You won’t find our mortgage deals through brokers.
So talk to us first, direct.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Find a mortgage
Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.
Sounds pretty good right?
Existing Mortgage Customers
Once you’ve found your rate, get in touch with our lovely team by giving us a call on:
Lines are open Mon to Sat 8am to 8pm and Sun 9am to 8pm.