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I'm on your Standard Variable Rate (SVR), Privilege Rate or another variable rate, what are my options?

If you would like to discuss changing from your current variable rate, as an existing member you can apply to transfer onto any mortgage from our current range (subject to lending criteria, and your current needs and circumstances), giving you the opportunity to access the same competitive deals as new customers. This may incur early repayment charges.

Or, you can apply to transfer your mortgage to a transfer product (subject to availability) which are only available to our existing members. Please remember, an early repayment charge may apply.

If you do decide to change your mortgage (switch) to a different rate with us, our quick and easy process for changing means that you won’t have to pay any valuation or legal fees. If you apply for a new mortgage your application will be considered subject to our lending criteria, and fees may apply to some products.