Illustrate your choice of product to apply to switch online, or speak to one of our mortgage advisors
Apply to switch mortgage
Switch
Complete the online form
We’ll send your offer by post
Review the contents of the offer document
We'll put your new mortgage deal into place after 7 days, unless you tell us that you've changed your mind
Please complete all required fields.
Are you switching from a Residential or Buy to Let mortgage?
Are you paid in any currency other than pounds sterling, or do you use foreign income and assets to pay or repay your mortgage?
Do you have more than one part to your mortgage?
For example, you may have borrowed more during the mortgage term, or
you may have a part capital & interest/ part interest only mortgage.
Do you want to change your term?
Do you want to borrow more money?
Do you want to change your repayment method?
For example, changing from capital and interest repayments to interest only
Are you behind on your monthly payments or worried about your finances?
Do you live in the property, with no plans to move?
Is a relative living in the property with no changes planned to that?
Are you, or will you be, in receipt of rental income?
Are you paid in any currency other than pounds sterling, or do you use foreign income and assets to pay or repay your mortgage?
Do you have more than one part to your mortgage?
For example, you may have borrowed more during the mortgage term, or
you may have a part capital & interest/ part interest only mortgage.
Do you want to change your term?
Do you want to borrow more money?
Do you want to change your repayment method?
For example, changing from capital and interest repayments to interest only
Are you behind on your monthly payments or worried about your finances?
Do you live in the property, with no plans to move?
Is a relative living in the property with no changes planned to that?
Are you, or will you be, in receipt of rental income?
Declaration
Most lending on buy to let properties is not regulated by the Financial
Conduct Authority. This is because it is considered lending for business
purposes, as you will receive rental income from the property.
Where lending is for business purposes, we require you to make a
declaration to confirm this. By making this declaration, you are
confirming that you are aware of the effect of entering into an
unregulated agreement. By entering into an unregulated agreement you will
not have the same protection that would otherwise be afforded to you.
If you are unsure about the implications of this declaration we recommend
that you obtain legal advice before you proceed.
If you consider that you are not acting for business purposes please let
us know before proceeding with your application.
By clicking that you accept, you confirm the following:
You are entering into the agreement wholly or predominantly for the
purpose of a business carried on, or intended to be carried on, by you.
The property is, or you intend that the property will be, let out on the
basis of a tenancy agreement.
You are aware that by clicking accept and by entering into the loan
agreement, you will not have the benefit of the protection and remedies
that would be available to you had the loan agreement been a regulated
mortgage contract under Article 61(3) of the Financial Services and
Markets Act 2000 (Regulated Activities) Order 2001 and / or a consumer
buy to let mortgage contract within the meaning of the Mortgage Credit
Directive Order 2015.
You are aware that if you are in any doubt as to the consequence of the
agreement not being regulated, you should seek independent legal advice.
You are unable to complete your switch online please contact our Mortgage
team on 0800 111 4355 between 8am and 8pm Monday to Friday, Saturday 9-5pm
and Sunday 10-4pm, or visit one of our branches.
Sorry, we’re not able to change your term online – you’ll need to call us. To arrange a mortgage appointment, call 0800 222 426 (Monday to Friday, 8am-6pm).
Sorry, we’re not able to help with additional borrowing online – you’ll need to call us. To arrange a mortgage appointment, call 0800 222 426 (Monday to Friday, 8am-6pm).
Sorry, you’re not able to change your repayment method online – you’ll need to call us. To arrange a mortgage appointment, call 0800 222 426 (Monday to Friday, 8am-6pm).
We’re here to help. Please get in touch with our Financial Care Team on 0800 141 2301 (Monday to Friday, 8am-630pm, Saturday, 9am-1pm).
