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Product Switch

Switching to a new deal could reduce your monthly payments.

It could also keep your monthly payments the same for a set period of time with a fixed rate deal. If eligible, you can switch to a new product up to 12 weeks before your existing mortgage deal ends; or anytime if you’re on our Standard Variable Rate (SVR).

Whether we provide credit will depend on your circumstances. You must be over 18. Lending terms and conditions apply.


You can switch your product with or without mortgage advice

When you apply to switch with advice, this means one of our mortgage advisors will recommend a mortgage product to you, based on your individual needs and circumstances. You can choose to apply without receiving advice, but you’ll be responsible for your product choice and any impact it may have.

Reasons to stay with us

No fees

There are no redemption, valuation, or legal fees for switching.

It’s straightforward

No credit check, eligibility check, solicitor, or property valuation required.

Ways to switch your product

Switch online

Apply online without advice.

If you have received a letter from us, inviting you to switch online, you can proceed here.

You will need:

  • Your email address and your mobile phone number
  • Your Mortgage Account Number (this on your latest mortgage statement)

If this is your first time registering online, you will need valid photographic ID e.g. driving licence or passport.

If you need help registering or logging in, please call our online support team on 0800 0294 997. Lines are open Monday – Friday 9am – 5pm.

To get the best experience when switching online, we recommend that you use one of our supported browsers: Firefox, Google Chrome, Microsoft Edge. Internet Explorer is not supported.

Login to apply online.

Speak to a mortgage advisor

Apply with advice.

If you’d like advice from us, start a product switch application online but then decide you need help or you want to make any changes to your mortgage other than a product switch, such as changing your term, one of our mortgage advisors will be happy to help you.  Contact us to book a telephone, or video appointment.

Contact us today.

If you are in financial difficulty or are behind on your mortgage payments, please visit our Financial Difficulties section to see what steps you can take.

Want to switch and borrow more?

Contact us to speak to a mortgage advisor to see what we can do for you.

Find us

We have 11 branches across Northern Ireland.

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Contact us

We're here to help, in a way that suits you.

Get in touch