Switch your mortgage deal with us

If you're mortgage deal with us is coming to an end soon - you can switch to a new deal early. Find out how and when you can switch below.

Got a question?
Try our mortgages help centre

Switch your way

Here's how you can switch to a new mortgage deal with us:

  • Switch online. If you're comfortable choosing 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?

You can switch to a new deal up to 90 days before your mortgage matures - without paying an Early Repayment Charge (ERC). 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 (ERCs), such as our Standard and Buy to Let Variable rate mortgages, you can switch at any time without paying an ERC. 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.

Our guide explains more on when and how you can switch, and what to expect.

 

Benefits of keeping your mortgage with The Cambridge

  • You 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
  • We don't 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

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 current deals 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?

Simply put, yes. You might want to remortgage, if your current mortgage deal is coming to an end, looking to borrow more or wanting a better mortgage rate and/or flexible features, such as making overpayments.
Whatever your reasons are for remortgaging, we'll be here to help. Book an appointment or call us on 0345 601 3344.
Please make sure you consider any charges and fees involved in remortgaging. Speak to your existing provider first.

 

I'm in arrears with my mortgage – can I still switch to a new deal?

Yes, it’s still possible to switch your mortgage deal even if you're currently in arrears. However, before doing so, you’ll need to speak with our Financial Support team. They’ll work with you to understand your situation and, where appropriate, set up an arrangement to help manage your payments. Once you're in an arrangement, you may be eligible to switch your mortgage deal. Click here to learn more or get in touch with the team on 0345 601 3344.

Which mortgage is right for you?

Results

2 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.59%7.39%7.3% APRC90%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

2 Year Fixed Rate Mortgage - 80% LTV

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.44%7.39%7.3% APRC80%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage - Existing mortgage customers

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.54%7.39%6.8% APRC80%£0£0£400£0Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Mortgage - 80% LTV

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.74%7.39%7.1% APRC80%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

2 Year Discounted Variable Rate Mortgage - No ERC

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.99%7.39%7.2% APRC80%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Mortgage (1)

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.09%7.39%7.2% APRC90%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.79%7.39%7.3% APRC95%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Low Deposit 5 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.89%7.39%7.0% APRC95%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.34%7.39%7.2% APRC95%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Shared Ownership 2 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.79%7.39%7.3% APRC95%£0£0£200£499Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Shared Ownership 5 Year Fixed Rate Mortgage - Existing mortgage customers

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.99%7.39%7.0% APRC95%£0£0£200£0Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.09%7.39%7.2% APRC95%£0£0£200£499Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Interest Only 2 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.44%7.39%7.4% APRC70%£0£0£400£1999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Interest Only 5 Year Fixed Rate Mortgage - Existing mortgage customers

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.54%7.39%7.0% APRC70%£0£0£400£0Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Interest Only 2 Year Discounted Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.74%7.39%7.3% APRC70%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.99%7.39%7.4% APRC70%£0£0£0£1999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Credit Assist Mortgage - 2 Year Fixed Rate

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.74%7.39%7.4% APRC85%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.34%7.39%7.1% APRC85%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.89%8.44%8.0% APRC80%£0££800£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.94%8.44%7.5% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.99%7.39%7.4% APRC70%£0££400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.94%7.39%7.3% APRC70%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.94%7.39%7.3% APRC75%£0£0£200£0Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Help to Buy 2 Year Discounted Variable Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.84%7.39%7.1% APRC75%£0£0£0£299Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

2 Year Fixed Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.54%8.44%8.2% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.64%8.44%7.4% APRC80%£999£800£800£800Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.24%8.44%8.1% APRC80%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Holiday Let 5 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.69%8.44%7.4% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Holiday Let 2 Year Discounted Variable Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.99%8.44%8.0% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

Expat 5 Year Fixed Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.89%8.44%7.5% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.14%8.44%8.1% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

Retirement Interest Only Variable Rate Mortgage

RateStandard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.19%Not applicable5.4% APRC55%£0£0£0£500Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.68%8.44%7.4% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Retirement Interest Only 5 Year Fixed Rate Mortgage

Initial
rate		RIO variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.88%5.19%5.6% APRC55%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 5 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.99%7.39%7.0% APRC98%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Mortgage

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.69%7.39%6.9% APRC90%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Helpful guides

More guides for borrowers
for borrowersA guide to switching your mortgage deal
for borrowersLooking after your home
More guides for borrowers

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

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