Switch online
Apply for a new rate online using our product switch application portal.
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Switch early
You can switch to a new deal up to 17 weeks before your current rate or Early Repayment Charges end.
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Fee free
No valuation, solicitor, or product fee to pay.
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Hassle free
No new affordability or credit checks: it's quick and easy to switch.
When you can switch
If you’re eligible, We’ll notify you 6 months before your current rate ends by sending you an email alert. This way you’re in control and can start assessing your options.
If any of your contact details have changed, now is the perfect time to update them. You can easily request changes by using our online request form.
You’ll receive another alert, and a letter, around 17 weeks before your current rate ends. This is when your switching window opens. You’ll then be able to choose from the rates available to you and apply for a switch.
If your rate has already ended and you’re currently on the variable Aldermore Managed Rate (AMR) or Aldermore Mortgages Transition Rate (AMTR), you can switch at any time.
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.
Things you need to know
- As long as your mortgage payment are up to date, you can be considered for a product 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.
How to switch
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.
We’ll start sending you email alerts 6 months before your current mortgage rate ends, giving you early access to our switching portal. Around 4 months before your rate expires, you’ll be able to switch to a new rate directly through the portal.
When your switching window opens, we’ll notify you by email.
You’ll also receive a letter 4 months before your rate ends, containing a QR code that links to the portal, where you can log in and switch your rate.
The portal is accessible from 6 months before your rate ends until 2 months after.
Submit a contact request using our online request form Just select "I want to switch my rate" from the drop down list, and one of our team will contact you.
Call us on 0333 321 1000 and follow the instructions from option 2 (Mon-Fri, 9am-5pm).
Email us: product.switch@aldermore.co.uk
Download our product switch guides
Subject to status. Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments.