180 days before the end of your fixed term period, we will reach out to you regarding your product switching options.

If you’d like to do any of the following:

  • Change who is on the mortgage

  • Borrow additional money

  • Move home

  • Change the length of your mortgage term

You’ll need to remortgage instead of switching to a new rate. Remortgaging is similar to a full mortgage application and you’ll need to speak to a mortgage adviser before we can make changes to your mortgage.

During this application, we would need to complete an updated credit check and review your updated income documents (for example, your payslips and bank statements). This is to ensure the changes you are making don’t impact the affordability of the mortgage.

Your mortgage advisor will guide you through the process and request any information needed.

If you wish to make these changes before the end of your fixed term period, early repayment charges will be payable.

You can find out more about product switching here.

If you have any questions, please reach out to us via email or live chat.

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