Online Mortgage Switcher FAQs
If you’re unsure what something means, please check our glossary for a detailed explanation.Account queries
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My current mortgage deal is due to end, how do I switch to another deal? This will reveal additional content
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How do I switch my mortgage online and what do I need? This will reveal additional content
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Can I increase my loan? This will reveal additional content
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I have a further borrowing/advance, can I switch? This will reveal additional content
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Can I extend the term of the loan? This will reveal additional content
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When can I switch my mortgage? This will reveal additional content
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When will my mortgage switch complete? This will reveal additional content
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When will I receive my mortgage statement? This will reveal additional content
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Can I change from interest only to repayment or vice-versa? This will reveal additional content
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What happens if I don’t switch to a new product? This will reveal additional content
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Will the interest rate change? This will reveal additional content
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What happens when my current mortgage deal ends? This will reveal additional content
Eligibility queries
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Am I eligible to switch online? This will reveal additional content
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What's the earliest I can apply for a switch? This will reveal additional content
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We’re a limited company and it says we can’t switch online? This will reveal additional content
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Will a credit search be completed during the switcher process? This will reveal additional content
Fee and Payment queries
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Do I need to change my direct debit? This will reveal additional content
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How will I know what my new payment will be? This will reveal additional content
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What if I don't currently pay by direct debit? This will reveal additional content
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How can I pay the arrangement fees? This will reveal additional content
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It won’t accept my payment what do I do now? This will reveal additional content
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Can I pay the arrangement fee by cheque? This will reveal additional content
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What are the fees/charges for switching? This will reveal additional content
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What fees are refundable if I cancel the switch? This will reveal additional content
Cancellation queries
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Are there any fees to pay if I change my mind? This will reveal additional content
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If I switch to a new product, can I switch back or cancel? This will reveal additional content
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How can I cancel an offer I haven't accepted? This will reveal additional content
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How can I cancel an offer I've accepted? This will reveal additional content
Help queries
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Does switching mortgage products affect my house insurance? This will reveal additional content
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I can't access the Online Mortgage Switcher? This will reveal additional content
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Can I switch over the phone? This will reveal additional content
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Can I pay less on my mortgage during some months? This will reveal additional content
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Can I make extra payments with my new product? This will reveal additional content
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Can I repay my mortgage at any time? This will reveal additional content
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If the Bank of England interest rate changes how will it affect my mortgage? This will reveal additional content
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Can I speak to someone about my mortgage? This will reveal additional content
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Where can I find my mortgage balance? This will reveal additional content
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What paperwork do I need to complete? This will reveal additional content