Switch your buy-to-let mortgage

We're here to help

We're here to help

When your initial rate is coming to an end we understand that finding a new one can be stressful and time consuming, so we go out of our way to make things easy. Whether you’re a first time landlord or growing your portfolio we’re here to help.

All the benefits of a Loyalty Mortgage:

  • No legal, valuation or product fees
  • No new credit or affordability assessments – unless of course you want to borrow more than your current mortgage
  • Simple and hassle free process with no need for interviews, solicitors or surveyors
  • Up to 10% of the outstanding balance can be repaid over 12 months without any early repayment charges.
  • Competitive Buy-to-Let Loyalty deals
  • Our dedicated, friendly Loyalty Team are here to help and provide support if you need assistance before renewing your mortgage
  • Property and landlord insurance – we could help you find the policy to suit your needs as a landlord. We work with an insurance broker who has access to a panel of leading insurance providers.


Loyalty Mortgages are available to individual landlords with single residential properties.

Am I eligible for a Loyalty mortgage?

You can switch your mortgage up to 3 months before your current deal is due to end.

If you’re an individual landlord and your Aldermore mortgage is for a single residential property our  Buy to Let loyalty products are tailored for you.

If you’re a company landlord or have complex properties (houses in multiple occupation or multiple properties on one title), please talk to our team to see if we can help you.

You could be eligible to switch to one of our Loyalty Mortgages if:

  • You’re on a current fixed rate which ends in the next 3 months
  • Your fixed rate has already finished and you’re now on a variable reversion rate
  • You have a term variable rate and your early repayment charge period ends in the next 3 months

Please note that we regularly review our loyalty offering and rates will be subject to availability. To confirm you’re eligible please get in touch.          

A few other points to note: 

  • You must have a good payment record with us (including any applicable charges)
  • You must be happy to make your own decision regarding your next mortgage with us, as this is an administration only service. (This means that if you need mortgage advice, you’ll need to contact our mortgage advisers.)

What happens next?

We’re sorry but our customer portal is currently unavailable. If you’d like to switch your mortgage, please contact our Product Switch team on customer.loyalty@aldermore.co.uk or 0333 3211000 between 9am and 5pm Monday to Friday.

If you switch by post:

We’ll send a Key Facts Illustration document to your email address (or by post if you’d prefer) with all the information you’ll need to complete your mortgage switch. Once you've made your decision we’ll send you the offer document (by email or post) and you can either:

  • Print and sign the offer, then scan it and send it back to us via email
  • Print and sign the offer and send it back in the post


Please note, we give you the choice of receiving your documents by either post or email, because emails sent to and from Aldermore are not secure and could be accessed by an unauthorised person. Whilst we take appropriate measures to safeguard customer information, no email can ever be guaranteed secure.

When will my mortgage be transferred to the new rate?

It’s up to you how soon you transfer, though there are some key dates to bear in mind.

Our mortgage transfer date will depend on the type of mortgage you have. They happen on either the first of the month or the day after your monthly Direct Debit payment.  Our Loyalty team will advise you on the dates available to you when you enquire about transferring your mortgage. Transfer dates will depend on the point in the month you contact us.

Subject to status. If you fail to keep up with payments on your mortgage a ‘receiver of rent’ may be appointed and/or your rental property may be repossessed.


Our online switching portal is for Aldermore Customers only. Intermediaries click here for information.