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Switching your mortgage deal

When you take out a fixed rate, tracker or discounted mortgage with us, the initial deal lasts for a set period. Once this time is up, you have a few options. Including: start paying the Mortgage Variable rate (MVR), pay a discounted rate on our MVR (where applicable) for a set period, take out a mortgage with another lender or switch to another deal with Skipton.

Why switch with us?

  • Personalised deals

    We’ll show you a range of deals which you can arrange up to 6 months in advance of your current deal ending.

  • Switch in minutes

    No long forms to fill in and no affordability check is needed.

  • No standard fees

    No standard legal or valuation fees when you switch yourself.

  • Borrow more

    Additional borrowing available for home improvements.

  • Award-winning

    We’re proud to have been recognised for the work we do to help our customers own homes of their own.

  • We're trusted

    We are rated 'Excellent' on Trustpilot with over 15,000 reviews.

Can I switch online?

You can switch online if:

  • You've received a letter saying you can switch online
  • Your current mortgage interest rate is coming to an end
  • You’re currently on our Mortgage Variable Rate (MVR) and have been on it for less than 9 months
  • You'd only like to switch your mortgage interest rate
  • You want to choose a new mortgage interest rate without advice
  • You have authority to switch on behalf of all applicants.

Get started

You need to talk to us if:

  • You think you might struggle with increased payments as a result of higher interest rates and want to discuss your options
  • You'd like advice about choosing your next mortgage deal
  • Your personal circumstances have changed
  • You're thinking of borrowing more
  • You'd like to make a one off payment, over or above any pre-agreed additional payment(s)
  • You want to shorten or extend your current mortgage term
  • You want to change how you repay your mortgage
  • You're thinking of letting out your home to a tenant.

Call us on 0345 600 8085.

Switch online in 3 easy steps

  • Step 1

    Login

    Get started, log in to begin switching online.

  • Step 2

    Choose a mortgage

    Select your personalised rate.

  • Step 3

    Switch complete

    We’ll confirm your switch is complete.

Frequently asked questions

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What happens if I do nothing?

If you decide not to switch your deal, your mortgage will automatically move on to our Mortgage Variable Rate, or where applicable you will pay a discounted rate on our Mortgage Variable Rate for a set period. However this could mean your payments may be higher or lower, depending on your current rate. The Mortgage Variable Rate is a variable rate set by Skipton which can change from time to time.

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Can I apply for additional borrowing?

If you've been thinking about making any home improvements, and are considering applying for additional borrowing you might want to do this at the same time as switching to a new deal. Call our mortgage advisers on 0345 607 9842 if you have any questions and to find out more. Additional borrowing is subject to our lending criteria and your individual circumstances.


You could lose your home if you don’t keep up your mortgage repayments. Most Buy to Let mortgages aren’t regulated by the Financial Conduct Authority.

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Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice.
Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

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