Finding a better mortgage
If your existing mortgage product is coming to an end, it can take time finding a new deal that benefits you. We've created a remortgage search tool to help you find the best mortgage deal for you – you can see this at the top of the page.
For Remortgage customers, we have a range of Fixed rate
products and some of these are available as an Offset
mortgage. Our Offset mortgages are useful if you'd like to use some of your savings to shorten the term of your mortgage or to help reduce the cost of your repayments either now or in the future.
It’s important to remember that Early Repayment Charges will apply during the fixed rate period and special rate period for Tracker products. Other fees and charges will also apply.
How does it work?
Once you've decided to switch your mortgage, our process is easy and simple:
First of all you need to check with your existing provider about moving your mortgage somewhere else and what charges apply for this, if any
To help you get a clearer idea of the cost, we have a Borrowing calculator
to show how much you might be able to borrow and a Repayment calculator
to show how much your repayments might be.
The next step is to obtain a lending decision
(also called an Approval in Principle). The online AIP form takes around 10 minutes to complete and allows us to tell you whether or not we would be able to lend to you and if so, how much we could lend. The Approval in Principle is valid for 30 days.
Once a lending decision has been obtained, you’re in a position to do a full mortgage application for your remortgage. You can continue to do this online or you can save your AIP to complete the full application later on. To find a suitable product for your remortgage, you can use our search tool at the top of the page or you can visit the Fixed rate