Switch to a new deal online

Check

  • Read the important information
  • Confirm you meet the criteria

Apply

  • Answer the qualifying questions
  • Review your mortgage options
  • 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?
Will you rely on receipt of non-sterling income or income from a non-sterling asset to make your mortgage payments (or for interest-only mortgages, to repay capital at the end of your term)?

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?
Will you rely on receipt of non-sterling income or income from a non-sterling asset to make your mortgage payments (or for interest-only mortgages, to repay capital at the end of your term)?

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).
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