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Product Switch

You are eligible to switch your product with us if you’re within 10 weeks of your existing mortgage product coming to an end; or you’re on our Standard Variable Rate (SVR) which is currently 4.35%.

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

We’ve been around for over 100 years and we’re a mutual Society which means if you have your mortgage with us you can have a say in how the Society is run. Benefits to keeping your mortgage 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

Apply 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 14-digit Unique Code Number (this is on the first letter we sent you about your product switch.)
  • Your Mortgage Account Number (this on your latest mortgage statement.)

If you can’t find either of the above numbers, please call our online support team on 0800 0284 997. Lines are open Monday – Friday 9am – 7pm, and Saturday 9:30am-12pm.

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.

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We have 11 branches across Northern Ireland.

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