Switching your mortgage rate
If you’ve got a first direct mortgage and your current rate is coming to an end, you’d be amazed just how quickly you can switch to another one. If you don’t switch when your existing rate ends, you’ll automatically move onto our Standard Variable Rate which can change, meaning your monthly payments can go up or down.
1. Find out why you should switch with us?
choose your new rate 90 days before your current rate expires
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we’ve got rates just for our existing mortgage customers
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no credit search, statements or payslips required
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access to free advice from a first direct mortgage adviser
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transfer a booking fee paid over to a new deal
2. How to switch
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use our handy calculator to show the rates that are available to you and your estimated monthly payment. Don't forget to select Existing Mortgage Customer
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if you're not sure which rate is right for you, our mortgage advisers could recommend a rate based on your personal circumstances
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once you’ve chosen a rate or if you'd like advice, you can book an appointment below or give us a call
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we'll take care of the rest and move you onto your new rate when your current one ends.
Apply now
Change your rate without getting advice
If you know which rate is right for you, all you need to do is book a 20 minute appointment with us to confirm what you want – we’ll check a few details and if you’re happy with everything, send you the paperwork to complete and return.
Get some advice to change your rate
If you’re not sure which rate is right for you, book an appointment to speak to one of our very helpful advisers. This will take around an hour where they’ll go through everything with you and make a recommendation based on your personal circumstances.