Existing customer rates

Your fixed interest rate will expire at the end of your fixed rate period.

After expiry, your interest rate will move onto the Gen H Base Rate Tracker. This will result in your monthly payment changing.

Find out more about the Gen H base rate tracker here

In preparation for your fixed rate coming to an end, you can lock in a new interest rate up to 6 months in advance (we'll email you when the time comes). You won’t have any early repayment charges if the product switch takes place once your current fixed rate expires.

Please contact us if you would like to switch your rate before your current fixed rate expires.

If you do not require mortgage advice on your rate switch you will not undergo an income and expenditure review or credit search and are not required to submit personal documentation. If you would like a recommendation from a Mortgage Advisor a full assessment is required.

180 days before the end of your fixed term period, we will reach out to you regarding your product switching options.

If you’d like to do any of the following:

Change who is on the mortgage
Borrow additional money
Move home
Change the length of your mortgage term

You’ll need to remortgage instead of switching to a new rate. Remortgaging is similar to a full mortgage application and you’ll need to speak to a mortgage adviser before we can make changes to your mortgage.

During this application, we would need to complete an updated credit check and review your updated income documents (for example, your payslips and bank statements). This is to ensure the changes you are making don’t impact the affordability of the mortgage.

Your mortgage advisor will guide you through the process and request any information needed.

If you wish to make these changes before the end of your fixed term period, early repayment charges will be payable.

You can find out more about product switching here. If you have any questions, please reach out to us via email or live chat.

When all joint borrowers: owners and income boosters on the mortgage have agreed to accept the rate, it is applied to your account to take effect when your current fixed rate expires.

An Early Repayment Charge (ERC) may be payable if you switch your mortgage rate before your current fixed rate period expires.

We will give you a 10-day reflection period from when all parties accept the offer. You don’t have to take any action within this time if you want to proceed with your mortgage offer. If the agreed start date of your new mortgage rate is before the 10 days expire, we will take this as confirmation that you have waived your reflection period for this offer.

Once the 10-day reflection period has expired, your rate is secured and if the interest rate goes up or down, your rate will remain fixed for the period fixed.If you decide to switch your rate once your rate has been fixed, an early repayment charge will be payable.