Ready to switch?

  • Fee free

    No valuation, solicitor, or product fee to pay.

  • Hassle free

    No new affordability or credit checks: it's quick and easy to switch.

  • Dedicated support

    We've a dedicated team on hand to support you if you need it.

  • Switch early

    You can switch to a new deal up to 17 weeks before your current rate or Early Repayment Charges end.

When can you switch?

If you're on a fixed rate: up to 17 weeks before the end of your current fixed rate without incurring any Early Repayment Charges.

If you're on a term variable rate: up to 17 weeks before the end of your Early Repayment Charge period.

We'll get in touch with you around 4 months before your current rate ends with what new rates are available to you. There's a number of ways you can switch to a new rate with us.

If you're on the variable Aldermore Managed Rate (AMR) or Transition Rate (AMTR) you can switch at any time.

Person checking online banking on their phone

How to switch

We’ll get in touch with you before your current fixed rate or discount period ends with what new rates are available to you. There’s a number of ways you can switch to a new rate with us.

Switch using our online form

Switch online using our online request form. Just select "I want to switch my rate" from the drop down list.

Contact your broker.

They’ll be happy to take you through the switching process.

Apply online using our online switch application portal.

We’ve introduced a new online option for some of our customers to request a product switch. If you’re eligible, you’ll receive emails up to 6 months before your current deal ends, reminding you of your future rate change. These emails will include a link that will allow you to log-on to our new online portal. At around 4 months before your current rate expires, you’ll be able to see what new rates are available to you and complete a switch application.

Apply by email or post.

We’ll send you a letter around 17 weeks before the end of your current rate to let you know what your rate options are. To apply for a new deal, just fill in the attached form, making sure to tick where applicable and sign the declaration. You can email it back to us at We accept a clear scan or picture of the forms. Alternatively, you can post it back to us in the pre-paid envelope we’ve provided. We’ll then send you a mortgage offer after we receive your application. You can accept your offer by signing and returning your offer acceptance form by email or post, or you can call us.

Call our team.

Get in touch with us on 0333 321 1000 and follow the instructions from option 2 (Mon-Fri, 9am-5pm)

If you’d like to switch your mortgage for the next calendar month, you’ll need to complete your product switch no later than 15 working days before your next direct debit date. We’ll then have enough time to set this up for you. For more information, read our FAQs about making changes to your mortgage.

Who can switch?

As long as your mortgage payment are up to date, you can be considered for a product switch.

If you've taken a mortgage payment break, your agreed missed payment during your payment break won't affect your ability to switch.

You can't be making any other changes to your mortgage and just switching your current rate.

You can't have any ground rent arrears on your buy to let account(s) with us.

Business owner smiling

Your Service Choice

If you’d like to switch, we offer product switches on an ‘execution only’ basis. This means you’re responsible for choosing a mortgage that’s right for you. You won’t receive any advice or a recommendation from us. If you’d like advice and a recommendation based on your needs and circumstances, you can contact a broker who’ll help you find the right mortgage.

You can find a mortgage broker by searching online or by asking friends or family for personal recommendations. Don’t forget to check they're registered with the FCA. You can do this by searching the FCA register.

  • Specialist buy to let product switch guide

  • Residential buy to let product switch guide

  • Residential owner occupied product switch guide

Subject to status. Your mortgage is secured on your property.  Your property may be repossessed if you do not keep up repayments.