Find out how much your monthly repayments could be for your chosen loan amount.
Our hub has been designed especially for you, with a wide variety of hints and tips to help you keep your home and contents safe.
Your home may be repossessed if you do not keep up repayments on your mortgage
If you are currently in a fixed or discounted deal period you can start the switch process up to a maximum of 180 days before your current deal expires. Any new deal can be completed without penalty during the last 3 months of the current rate. Please indicate on the online application form whether you would like your rate to change as soon as possible, or after the expiry of your current rate.
If you have previously made lump sum credits and/or overpayments to your mortgage with a view to using our borrow back facility in the future, by transferring to a new deal you will lose the ability to withdraw these funds.
If you select a fixed rate mortgage product you will not be eligible to link any offset accounts against your mortgage. If you currently have an offset mortgage any offset account linkage will cease when a fixed rate comes into force.
Any application to switch rates will result in the recalculation of your monthly payments to the minimum amount required to repay the mortgage within your originally agreed term. Where you have been making overpayments or offsetting balances against your mortgage with the intention of repaying your mortgage early you will need to contact us after the completion of the switching application. We will then be able to reinstate the overpayment amount required to reach any early repayment goals that you have.
If you are confident in choosing your own mortgage product and don’t need advice you can switch online.
Alternatively, if you require advice, our mortgage advisors are happy to discuss options with you. Our team are here to help you select a product which suits your individual circumstances whilst also being able to discuss other potential changes such as a change to the term of your loan.
If you are experiencing financial difficulties or have recently experienced a change in circumstances which may impact your ability to make your mortgage payment we recommend that you contact our mortgage team as soon as possible so that we can discuss your individual needs.
You will need your mortgage account number to switch online. You can find this on your mortgage statement or other mortgage related letters.
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To give you more protection against fraud we have changed the way you verify payments online and via mobile banking.
Business & Personal Customer Accounts
We need to ensure it’s really you making the payment before the money leaves your account. How you do this depends on whether you’re using:
Will this happen every time I make a payment?
No, it’s not for every payment. Once saved the payment will become ‘Trusted’. That means you may not need to do the identity check again, unless you change details like the sort code, account number, name or reference.
What’s changed for your Business?
To make payments of more than £500, or totalling more than £1000 per day, you will now need to use the Mobile Banking App to verify your payments. Business customers using a One-Time Passcode will no longer be able to make payments greater than £500. Talk to us to learn more about the benefits of using the Mobile Banking App. Further info on your daily limits can be found here.
You may see a difference to when you’re asked to authenticate a payment via Business Internet Banking and the Mobile App, how you do this will remain the same by using:
For more information visit our online help.
Forgot your business internet banking password, we can help.
Just give us a call on 0800 121 4209
Monday – Friday 8am - 6pm and select Option 2.