Find a better mortgage deal

Since nationalisation we have been closed to new mortgage business and are unable to offer further loans to existing borrowers, other than in exceptional circumstances.

If interest rates rise in the future we will not be able to offer you a new deal, so you may end up on a higher rate with higher monthly payments than you could get elsewhere. Or, if you need to borrow more money for any reason (such as for home improvements to fund a large purchase), we will not be able to lend this to you.

Because your mortgage with us might not always meet your needs, we can help you find another deal elsewhere – as you could be better off with another lender.

Search the market in minutes with DealFinder

Our online DealFinder tool can help you search the market, to find and compare mortgages from other lenders that meet your needs. You can also save your criteria to search again another time, or set up email alerts to notify you if potential mortgage deals become available in the future.

Launch DealFinder

DealFinder is a completely independent service provided by Defaqto, a leading supplier of financial information to a wide range of organisations. We receive no commission from any of the mortgage providers featured as part of this independent service.

Speak to an independent expert

We recommend that you speak to a mortgage broker or independent financial adviser to find a mortgage that meets your needs. If you would prefer to find your own broker, you can visit the independent Unbiased website. Please be aware that many brokers charge an advice fee for their services.

If you don’t have one, we can introduce you to mortgageforce™ who through its panel of brokers and approved product providers may be able to help. These brokers can give you impartial, expert whole of market mortgage advice.

The brokers are waiving their usual advice fees for customers that we refer directly. To be put in touch with a mortgageforce™ broker, please Contact us.

If you are a Lifetime mortgage customer, we have teamed up with HUB Financial Solutions, a market leader in the field of lifetime mortgages, who can help you find a product suitable for your current needs and circumstances.

As an added incentive, HUB Financial Solutions have agreed to waive their usual advice fees for customers that we refer directly, so please contact us to be put in touch.

No Early Repayment Charges

Depending on your specific mortgage, you may be liable to pay us an Early Repayment Charge (ERC) if you move your mortgage to another lender. To make this process easier for you however, we are currently waiving all ERCs until further notice, so you won't have to pay this fee at present, even if it would usually have applied.

Please note – the offer to waive ERCs may not apply to customers with Lifetime mortgages, please contact us to find out if you qualify.

Important information for Together customers

Together Mortgages are a combination of a secured mortgage and an unsecured loan at a single interest rate with one combined monthly payment.

If you choose to redeem the secured portion of your mortgage and opt to leave the unsecured element as a stand alone personal unsecured loan, the loan will be referred to as Delinked. The rate on the unsecured loan would then increase and be charged at Standard Variable Rate + 3%, 5% or 8% depending on when you took your product out. Please refer to your original offer documentation for more information.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.