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Switch your Mortgage

Now it’s even easier to stay with us

When your initial rate is coming to an end we understand that finding a new one can be stressful, which is why we go out of our way to make things easy

Need to speak to us?

Need to speak to us?

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
  • Make overpayments of up to £5,000 in any 12 month period (without incurring an early repayment charge)
  • Competitive Loyalty deals
  • Our dedicated, friendly Loyalty Team are here to help and provide support if you need assistance before renewing your mortgage
  • Home and property insurance - we could help you find the policy to suit your needs. We work with an insurance broker who has access to a panel of leading insurance providers. Find out more

Am I eligible for a Loyalty mortgage?

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

You can 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 call our mortgage advisers on 0333 321 1000)

What happens next?

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:

  • Call us and speak to one of our dedicated Loyalty experts who will switch your product over the telephone
  • 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 deadlines to bear in mind:

Our mortgage transfers happen on the first of the month. Our Loyalty team will provide you with three options for you to select which month you would like to transfer to your new Loyalty Mortgage. Transfer dates will depend on the point in the month you contact us.

If you’re unsure when you need to return your signed offer to us, please contact us using the details above.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE