Request your illustrations

There are a few things you need to know before proceeding with a rate switch. 

• If the account is held jointly, the borrower requesting the switch is doing so on a joint borrower basis, and by requesting this, confirms the consent of both borrowers. 
• You won't be able to change the repayment method or term of your mortgage using this service. If you'd like to make either of these changes, please contact us to speak to a mortgage advisor, or apply online by visiting our 'Applying for changes to your mortgage' page.
• Using this service means you're making your own decision about the appropriateness of the product. You're not receiving any advice from us and you're happy to proceed on this basis. You can read more about this below. 
• If you don't want to make your own decision and would like advice, please call us on 01282 440500. 
• If you decide to add the arrangement fee onto your loan, you'll be charged interest on the amount of the fee for the term of the mortgage.

Level of service

• If you proceed with a rate switch, you're doing so on what's known as an 'execution only' basis. This means you're not receiving advice from us, or a recommendation about whether the new product meets your specific needs. 
• We won't assess the suitability of the product to your needs and circumstances. 
• You're waiving any protection the Financial Conduct Authority regulations on mortgage suitability would bring you, and any subsequent complaints to the Financial Ombudsman. 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE