Switch your way
If you're happy picking your next deal you can switch online, without mortgage advice. It’s easy to do and can be done from the comfort of your sofa or on the go.
Or if you'd like a little help selecting your new rate you can speak to your Intermediary or one of our Mortgage Advisers.
Switching deals is simple
Switching is simply swapping your existing mortgage deal to another with your current lender.
No need to reassess your affordability or require proof of income. A new valuation is also not needed, as a UK House Price Index is used to calculate the value of your property
When you keep your mortgage with The Cambridge, there is no application fee for any deal you switch to.
How can I switch deals?
Here's how you can switch to a new mortgage deal with us:
- Switch online. If you're happy picking your next deal without mortgage advice you can switch online
- Book an appointment. Talk through your options with one of our Mortgage Advisers.
- Contact your Intermediary or Broker. If you arranged your mortgage through a Mortgage Intermediary or Broker, you might want to discuss your options with them
When can I switch deals?
If your current deal is ending soon, you can get a new deal 90 days before the existing one finishes. We’ll be in touch around this time to explain your options and what will happen if you don't switch.
If you have a mortgage with no early repayment charges, such as our Standard and Buy to Let Variable rate mortgages, you can switch at any time.
Our guide explains more on when and how you can switch, and what to expect.
When can I switch deals?
If your current deal is ending soon, you can get a new deal 90 days before the existing one finishes. We’ll be in touch around this time to explain your options and what will happen if you don't switch.
If you have a mortgage with no early repayment charges, such as our Standard and Buy to Let Variable rate mortgages, you can switch at any time.
Our guide explains more on when and how you can switch, and what to expect.
Benefits of keeping your mortgage with us
- Can secure a new rate up to 90 days before your existing deal ends
- No early repayment charges, if you're switching within 90 days of your current deal ending
- No need to reassess your affordability or require proof of income
- No application, legal or valuation fees to switch deals. We'll use a digital tool to value your property
- Switching deals is quicker and easier than remortgaging to another provider
Switching FAQs
When can I switch deals?
You can switch to a new deal up to 90 days before your existing deal ends - without paying an Early Repayment Charge (ERC).
If you have a mortgage with no ERCs (such as our Standard Variable mortgage) than you can switch at any time, just make sure you check any features that you may lose from switching.
If your mortgages has multiple parts, check your annual statement or call us at 0345 601 3344 for details on maturity dates and any ERCs.
How do I know what deal to choose?
If you're switching online, the mortgage deals shown are based on your valuation and outstanding loan amount, known as Loan to Value (LTV). If you're unsure what deal to pick, you can talk to one of our Mortgage Advisers. Book an appointment
Are there fees to pay?
Most of our switches are fee free. View our currents deal and their fees.
If your existing mortgage deal has an Early Repayment Charge and you wish to switch to a new deal more than 90 days before it ends then you may have to pay a fee to end the deal early. You can check this detail in your annual mortgage statement or you can call us: 0345 601 3344
Can I switch to a new deal online?
If your existing deal is coming to an end and you're happy picking your next mortgage deal without receiving advice - you could switch online. Find out more.
Can I switch my mortgage to you from another lender?
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