This service is designed for customers who are comfortable choosing a new product without advice. If you’re unsure which option is right for you, mortgage advice is available.
Is this right for you?
Is switching without advice right for you?
Switching your mortgage product without advice may be suitable if:
- Your income and outgoings have not changed
- You’re happy with your current mortgage amount and term
- You’re confident choosing a new product on your own
- You’ve reviewed the product details and understand the terms
This option may not be right for you if:
- Your income has reduced, or your employment has changed
- You’re concerned about future affordability
- You’re considering interest only options or changes to your term
- You’d prefer guidance on which product best suits your needs
If any of the above apply, we recommend speaking to one of our advisers on 01509 389282 before making a decision.
Why switch your mortgage product with us?
Early notification
We’ll contact you around 6 months before your current mortgage product ends, giving you plenty of time to prepare.
Exclusive product pack
You’ll be sent a tailored product pack 4 months in advance, with options guaranteed for up to 4 weeks.
Advance selection
You can choose your new mortgage product up to 4 months before your current deal ends, offering peace of mind and flexibility.
Simple acceptance
No application process is required. Simply sign and return the conditional offer acceptance by post or email.
Clear communication
We’ll confirm your product choice by e-mail and write to you to confirm your new direct debit amount once the switch takes place.
Rate protection
If the interest rate on your chosen product reduces before your switch date, we’ll contact you with updated options.
Options for SVR customers
No affordability checks, no credit checks, and no legal or valuation fees.
Hassle-free process
Even if you’re on our Standard Variable Rate, you may still be eligible for a new mortgage product.
Switching support
Call us on 01509 389200 to talk to one of our Mortgage Support team or request a call-back at a time convenient to you.
Options for SVR customers
Even if you’re on our Standard Variable Rate, you may still be eligible for a new mortgage product.
Fees and Charges
There are no product switch fees for changing to a new mortgage product with us. Early Repayment Charges may apply depending on your current mortgage product. Full details will be included in your product pack so you can make an informed decision before proceeding.
You can call our Mortgage Support team on 01509 389200 or request a call back at a time that suits you.
There’s no obligation to switch once you receive your product pack.
If you need information in an alternative format or require extra support, please let us know.
Execution only clarification
When is execution-only switch suitable?
An execution only product switch may be suitable if:
- You’re switching to a new product with the same lender.
- You don’t need advice and are confident in your choice.
- You’ve reviewed the product information and understand the risks and terms.
- You’ll be asked to confirm that you’re choosing to proceed without advice before completing your switch.
What is mortgage advice?
Mortgage advice includes:
- Personalised Recommendation: An adviser will assess your income, outgoings, credit history, and future plans to recommend a suitable mortgage.
- Regulated advice in the UK, mortgage advice is regulated by the Financial Conduct Authority (FCA), meaning advisers must act in your best interests.
- Added Protection: If advice later turns out to be unsuitable, you may have the right to complain and seek compensation.
If you’re unsure whether switching without advice is right for you we recommend speaking to us before making a decision.