Changing your mortgage deal?
As an existing UCB customer, you can move to one of our current products if your mortgage:
- Is ending in the next six weeks OR you're currently on one of our revert rates OR you have a tracker product with a switch to fix option.
- Hasn't been in arrears in the last 2 months.
- Wasn't regulated by the Consumer Credit Act at the time it was taken out.
- Has a minimum outstanding balance of at least £2,500.
- Has a minimum mortgage term remaining of 2 years.
You must not have a further advance application in progress or be subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA).
Product details for existing UCB Residential mortgage holders.
Product details for existing UCB Buy to Let mortgage holders.
How to switch your mortgage deal
It’s a good idea to talk to an independent financial adviser (IFA) before committing to a new mortgage deal.
If you feel you don’t need independent financial advice, you can switch your mortgage deal directly with us.
Fill out our mortgage switcher application form
What you should know
The borrow back feature isn’t available on new UCB mortgages. Switching your mortgage to a new deal will result in the removal of this facility.
If you have a mortgage with a limited benefit period (such as a Tracker or Fixed rate mortgage) and you change before the period is over, there may be early repayment charges. If you're within three months of your mortgage deal ending, and you switch to a new deal with UCB, no early repayment charges are applicable.
If you have any additional questions, you can call us on 0800 464 3014. Whilst we can provide you with information about our mortgages, we can't advise you or recommend which mortgage may be suitable.
Please note that for our mutual protection and to improve service standards, we may monitor and/or record telephone calls.