Switch to a new deal

If your existing mortgage deal is coming to an end or you want to switch to another deal, you can apply for a new rate with us.

Bank of Scotland customers

If you have three months or less remaining on your current deal, we'll waive the Early Repayment Charges as well if you switch to a new deal.

When your current Bank of Scotland mortgage deal comes to an end, you will be charged one of our Lender Variable Rates.

Our transfer process is a convenient product switching service that could save on your monthly payments if you are on a Lender Variable Rate.

To switch to a new deal call us. Be aware that our mortgage advisers will ask you about your needs and circumstances and then recommend our most suitable mortgage for you.

Key features

  • Easy to arrange.
  • No legal fees to pay.
  • No valuation required.
  • Early repayment charges waived on existing deals with 3 months or less to run.

Existing Halifax and Lloyds customers

Halifax customers

If you have an existing Halifax mortgage you can find out about the range of deals we have and how you can manage your mortgage​.

Your Halifax mortgage

Lloyds customers

If you have an existing Lloyds mortgage you can find out about the range of deals we have and how you can manage your mortgage​.

Your Lloyds mortgage

You could lose your home if you don't keep up your mortgage repayments

You might also like

Message us online

Get answers to your everyday banking questions. Log in to our app or online banking to get in touch.

How to message us

Your Credit Score

Check your credit score for free, with no impact on your credit file.
 

Check Your Credit Score

Financial planning

Wherever you are in life, a financial plan can be your way forward.

Plan for your future

Mortgages existing customer support

Get support with switching, borrowing more or moving to a new home with your existing mortgage. 

View existing customer support

Mortgages existing customer support

Get support with switching, borrowing more or moving to a new home with your existing mortgage. 

View existing customer support