Step 1 - Check eligibility
Before beginning your application, you must check you've met the following eligibility criteria:
- Your mortgage hasn't been in arrears within the last 2 months
- You're not subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA)
- Your current mortgage balance isn't less than £1,000
- You have more than two years remaining on your mortgage term
Step 2 - Choose your mortgage
Download our latest E-Mex switcher guide to find a mortgage to switch to
Step 3 - Complete your application
You will need to print off and complete the relevant application form below, then return it to the address on the front page.
Step 4 – Receive your mortgage offer
Once we receive the application, we will check your eligibility and post an offer for the mortgage you have selected.
Step 5 – Completing the product switch
Sign and return the acceptance form to us and we will switch your mortgage to the new product.
Further Information
Product switches always take effect from the 1st of the month. Switcher applications must be submitted and accepted at least 5 days before this. After this time, the new deal won’t apply until the 1st of the following month.
The table below shows the dates that an application can be submitted and accepted, in order to apply from the 1st of the following month.
| Date new deal applies from |
Last acceptance date |
| 1 June 2020 |
27 May 2020 |
| 1 July 2020 |
26 June 2020 |
| 1 August 2020 |
27 July 2020 |
| 1 September 2020 |
27 August 2020 |
| 1 October 2020 |
26 September 2020 |
| 1 November 2020 |
27 October 2020 |
| 1 December 2020 |
26 November 2020 |
| 1 January 2021 |
27 December 2020 |
Important information for payment dates that fall within the first seven working days of the month
To comply with regulations, we must provide you with notice of your new payment before we collect it from your bank or building society. This means if your monthly payment is due within the first seven working days of the month, we won’t be able to tell you your revised monthly payment before your first payment is collected after your mortgage switch.
Therefore, the first payment due following your product switch will be at the follow-on rate detailed in the terms of your existing mortgage. We’ll then adjust the following months payment to reflect any under or overpayment you made in the first month.
To avoid this, you can change your monthly payment date to later in the month by calling us on 0345 606 40 60.
