mortgage

Switch

to a new mortage

Enter your code

Please enter your access code. You should have received your code in your mortgage renewal letter.

Our online product switching process:

We've moved our product switch process online, meaning you can sort out your upcoming mortgage renewal in a matter of minutes.

By doing so, we are reducing our paper and printing usage so we can help the environment.

 

What you will need:

  • Your 5 digit code, found on the letter we sent to you
  • Any other parties to the mortgage
  • Up to 15 minutes of your time

 

Apply online using your access code

 

Execution Only Mortgage

If you apply online, we refer to this as an Execution Only Sale. This means that you choose the mortgage product yourself and that we do not give advice or help you in your decision. You will not benefit from the protection of the FCA rules on assessing whether your choice is suitable.

You should only use the Execution Only service if you are confident you are able to choose a suitable mortgage product. 

As you will not receive advice, you will not benefit from an experienced and qualified Mortgage Consultant assessing the suitability of a mortgage product and the Society will not be responsible for your selection.

Please ensure that all parties named on the mortgage are choosing to proceed online. If you have a joint mortgage, your Product Transfer Offer will be produced in joint names and will require signatures from all parties named on the mortgage.  

You can proceed online if:

  • Your current mortgage product is within 4 months of expiring
  • You do not want to change your mortgage amount, term or repayment type
  • You continue to meet the Society’s lending criteria

If you want to change any other aspect of your mortgage, for example, you think your property value may have increased significantly, or you are considering increasing your borrowing, then please call our team on  0161 429 6262.

When you submit your request online, we will send you a Product Transfer Offer which contains documents that must be signed by all parties to the mortgage and returned to us as soon as possible.

If you wish to proceed online, please have the information we sent to you in your initial letter to hand, as you will need to input your access code in the box above. 

If you have received more than one letter, this means your mortgage has more than one part. You will need to complete an online request for each mortgage part using the same access code.