If your current mortgage deal is ending, or you're on our Standard Variable Rate (SVR), then you might be wondering how to switch your mortgage to a different deal.
We like to reward our loyal mortgage customers, so we have a range of exclusive rates just for our existing customers which offer preferential rates.
Existing mortgage customers who are switching deals, won’t need to go through any credit checks or underwriting.
Select your mortgage type below
Product Code | Initial Rate1 | Followed by2 | Overall cost for comparison3 | Maximum LTV4 | Fees5 | |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN437 | 4.99%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.80%APRC | 60% | £999 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN438 | 5.30%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.70%APRC | 60% | £0 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN435 | 4.80%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.10%APRC | 60% | £999 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN436 | 4.95%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.10%APRC | 60% | £0 |
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only | RETN439 | 5.45%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 80% | £999 |
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only | RETN465 | 5.75%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 80% | £0 |
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only | RETN463 | 5.90%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only | RETN400 | 6.25%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £0 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN446 | 5.15%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.80%APRC | 80% | £999 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN447 | 5.35%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.80%APRC | 80% | £0 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN448 | 4.85%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.10%APRC | 80% | £999 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN449 | 4.99%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.10%APRC | 80% | £0 |
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only | RETN441 | 5.99%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 90% | £999 |
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only | RETN443 | 6.15%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 90% | £0 |
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only | RETN464 | 5.99%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 90% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only | RETN450 | 6.45%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 90% | £0 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN452 | 5.80%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 90% | £999 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN451 | 6.05%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 90% | £0 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN453 | 5.30%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.40%APRC | 90% | £999 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN454 | 5.45%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.40%APRC | 90% | £0 |
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only | RETN405 | 5.95%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.10%APRC | 90% | £1999 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN411 | 6.05%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 95% | £999 |
2 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN412 | 6.25%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 95% | £0 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN413 | 5.55%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.20%APRC | 95% | £999 |
5 Year Fixed Rate Mortgage - Repayment and Interest Only | RETN414 | 5.75%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.30%APRC | 95% | £0 |
1 The starting rate of interest which will be charged on your mortgage
2 After your initial rate period the interest rate will switch to the lenders variable rate
3 The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes
4 The amount of your loan as a percentage of the total value of your property
5 These could be reservation or administration fees that are payable on your mortgage deal
Product Code | Initial Rate1 | Followed by2 | Overall cost for comparison3 | Maximum LTV4 | Fees5 | |
2 Year Fixed Rate Mortgage | BUS -RETN455 CON -RETN456 | 5.50%Until 31 December 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 80% | £999 |
2 Year Fixed Rate Mortgage | BUS RETN457 / CON RETN458 | 5.80%Until 31 December 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 80% | £0 |
5 Year Fixed Rate Mortgage | BUS RETN459 / CON RETN460 | 5.05%Until 31 December 2029 | 6.94%Standard Variable Rate | 6.20%APRC | 80% | £999 |
5 Year Fixed Rate Mortgage | BUS RETN461 / CON RETN462 | 5.15%Until 31 December 2029 | 6.94%Standard Variable Rate | 6.30%APRC | 80% | £0 |
The starting rate of interest which will be charged on your mortgage
2 After your initial rate period the interest rate will switch to the lenders variable rate
3 The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes
4 The amount of your loan as a percentage of the total value of your property
5 These could be reservation or administration fees that are payable on your mortgage deal
Product Code | Initial Rate1 | Followed by2 | Overall cost for comparison3 | Maximum LTV4 | Fees5 | |
2 Year Variable Rate Discounted Mortgage | RETN442 | 5.99%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 65% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage | RETN423 | 6.09%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 65% | £1999 |
2 Year Fixed Rate Mortgage | RETN424 | 5.60%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 65% | £1999 |
5 Year Fixed Rate Mortgage | RETN425 | 5.10%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.40%APRC | 65% | £1999 |
2 Year Variable Rate Discounted Mortgage | RETN444 | 6.05%Until 31 October 2029 | 6.94%Standard Variable Rate | 7.00%APRC | 75% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage | RETN426 | 6.15%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 75% | £1999 |
2 Year Fixed Rate Mortgage | RETN427 | 5.65%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 75% | £1999 |
5 Year Fixed Rate Mortgage | RETN428 | 5.15%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.40%APRC | 75% | £1999 |
2 Year Variable Rate Discounted Mortgage | RETN445 | 6.05%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage | RETN429 | 6.15%Until 31 October 2029 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £1999 |
2 Year Fixed Rate Mortgage | RETN430 | 5.65%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 80% | £1999 |
5 Year Fixed Rate Mortgage | RETN431 | 5.15%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.20%APRC | 80% | £1999 |
2 Year Variable Rate Base Rate Tracker Mortgage | RETN432 | 6.20%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 85% | £1999 |
2 Year Fixed Rate Mortgage | RETN433 | 6.70%Until 31 October 2026 | 6.94%Standard Variable Rate | 6.90%APRC | 85% | £1999 |
5 Year Fixed Rate Mortgage | RETN434 | 5.20%Until 31 October 2029 | 6.94%Standard Variable Rate | 6.20%APRC | 85% | £1999 |
1 The starting rate of interest which will be charged on your mortgage
2 After your initial rate period the interest rate will switch to the lenders variable rate
3 The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes
4 The amount of your loan as a percentage of the total value of your property
5 These could be reservation or administration fees that are payable on your mortgage deal
Product Code | Initial Rate1 | Followed by2 | Overall cost for comparison3 | Maximum LTV4 | Fees5 | |
2 Year Fixed Rate Mortgage | SEMP126 | 5.95%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £999 |
2 Year Fixed Rate Mortgage | SEMP127 | 6.05%Until 31 October 2026 | 6.94%Standard Variable Rate | 7.00%APRC | 80% | £0 |
1 The starting rate of interest which will be charged on your mortgage
2 After your initial rate period the interest rate will switch to the lenders variable rate
3 The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes
4 The amount of your loan as a percentage of the total value of your property
5 These could be reservation or administration fees that are payable on your mortgage deal
Ready to arrange an appointment?
Complete our online form to request an appointment with one of our mortgage advisers.
Book an appointmentLet's talk
Speak to one of our friendly mortgage team about your options.
0345 606 4488
Our lines are open 8am - 6pm, Monday to Friday.
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YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.