Because you're a member
You're part of a Society built to support you. Here's how you can start making the most of membership.
Manage your mortgage
Is your mortgage deal ending?
This is a great time to look at what comes next - we're here to keep things simple.
- We'll let you know 3 months before your deal ends to offer you options to switch to.
- You can lock in your next deal before your current mortgage ends (known as your maturity date). And if rates drop before your maturity date, you can change your mind and select a better deal, depending on your product terms.
Chances are your mortgage is one of your biggest monthly costs. The sooner you plan your next deal, the more certainty you'll have about your budget. We're here to help you make confident choices.
Choosing your next mortgage deal
If life or your priorities change, your mortgage might need to change too. Flexible support is here for you.
You could lose your home if you don't keep up your mortgage repayments.
Mortgage calculators
If you’re exploring your next steps, our mortgage calculators can help you test different scenarios and see what could work for you.
Frequently Asked Questions
If you’re on a fixed rate, tracker or discounted variable mortgage, your deal runs for a set period. As you get close to the end (known as maturity) we’ll get in touch so you can start planning your next steps.
You can usually choose your next deal a few months before your current one ends. And if you change your mind – or a better option comes along – you can switch to another option before your current deal finishes.
If you’re on our Mortgage Variable Rate, you can normally switch to a new deal at any time. Just check the terms of your mortgage first.
Yes, you can – but if your mortgage deal has a set term and you switch before it ends, you may have to pay an Early Repayment Charge. This is a fee you’d have to pay, usually a % of your outstanding mortgage balance. You should check the terms of your mortgage before deciding.
If you’re on our Standard or Mortgage Variable Rate, you can normally switch at any time. Just check the terms of your mortgage first.
You can register and then log in anytime to check your latest balance, and we’re always here if you need support.
Because your mortgage is a big financial commitment, it’s a good idea to make sure your monthly payments still feel comfortable.
- If you’re on a fixed rate, you should start thinking about your next steps during the last six months of your deal.
- If you’re on a tracker or Variable Rate, keep an eye on your monthly payments and interest rates. For example, if rates rise, your payments are likely to rise too – and you might need to review your budget or explore your options.
If your monthly payments feel manageable and you want to reduce your balance faster, overpaying could help you pay off your mortgage sooner and save interest.
Before you do, check your mortgage terms to see:
- whether you're allowed to overpay
- how much you can overpay each year without paying a charge
You can make a one‑off payment or increase your monthly Direct Debit – whichever works best for you.
Thinking about overpaying? We're here to support you.
Need help?
Our new mobile app is coming
We’re gradually inviting members through our current app, so don't worry if your invite hasn't arrived yet. The new app is designed to make managing your accounts easier with a fresh look and features shaped by your feedback – plus more updates coming soon.
Find out more