We can help your later life clients: older borrowers can select any of our main range deals. Click here to find out more.

Product switches and contract variations.

For existing borrower clients

We’re here to help.

Clients who are existing borrowers with us may wish to carry out a product switch. You can deal with us on your clients behalf, as long as they complete our third party authorisation form.

For borrowers approaching expiry of their current deal we will write to them and offer exclusive follow-on rates. Our current range of retention products can be found below, although please be aware for borrowers approaching maturity we are unable to guarantee the availability of our mortgage products and, depending on when their deal ends, borrowers may be offered different follow-on deals to those listed. We may be able to carry out product switches up to 3 months before the end of the current product.

Alternatively, if your client wishes to port their mortgage or carry out additional borrowing please see our other resources.

What’s available


Product switch rate card


How it works


  1. Firstly we will need a third party authority form completed by the borrower, to enable us to work with their chosen intermediary.
  2. Once you have made a recommendation to your client from the loyalty range please contact our mortgage administration team by calling 01473 278511 or emailing [email protected].
  3. We will provide a mortgage switch form and ESIS to be read, reviewed and returned, along with any upfront fee payment.
  4. For a switch to take effect from the 1st of the month the cut-off date to complete the switch is the 16th of the month prior. Please ensure the required documents are returned by this date, along with any fee payment due.
  5. Please note we may be able to carry out product switches up to 3 months before the end of the current product.


Your questions answered.

We will write to mortgage borrowers before their deal is due to expire, and offer exclusive follow-on rates. Note we may be able to carry out product switches up to 3 months before the end of the current product.

We consider additional borrowing applications for existing borrowers . This will need to be done via a paper application (see our toolkit) and your client will need to select from our specialist additional borrowing products. View deals for existing borrowers by using the filtering option in our product finder.


All of our products are portable. Porting applications need to be applied for via a paper application (visit our toolkit). We allow customers to borrow a little bit more on top of what they have outstanding with us. For the “top up” element, customers can select a product from our standard range.

After you submit the paper application we will produce the ESIS for your client, and send this directly to you share with your customer.

Unfortunately we don’t currently pay retention proc fees.

This is something we are reviewing internally and will update you of any changes.

Useful resources


Third party authorisation


Packaging requirements


Product switch rate card



Need to talk?

Nothing beats a proper conversation, so when you’re ready to talk we’d love to hear from you.

Get in touch with our friendly and knowledgeable team.

Prefer to talk?
Call 0330 123 1073 (option 1)

Contact us

    Your browser is out-of-date.

    Welcome to our new website. This site is not fully supported in Internet Explorer.
    Please download one of the browsers below to continue using this website.

    • Google Chrome
    • Microsoft Edge