If you already have a C&G mortgage and are looking to switch to a new deal, you might have some questions - so we've listed a few of the most common ones here. If you cannot find the information you are looking for, please feel free to ask us a question.
In most cases your interest rate may switch to the Standard Variable Mortgage Rate, which at that time could be higher or lower than the rate you will have been paying and may vary over the remaining term of your mortgage. See the current Standard Variable Mortgage Rate.
It’s easy for existing mortgage customers to switch to a new deal. You can request a deal online, call us or visit your local branch.
If you switch before the end of your existing deal with us, you may need to pay early repayment charges. You can only apply for your new deal to begin on the first of next month.
Any fees that apply to the new deal will be added to your new mortgage. You can then pay the fee(s) off if you want to, or leave them on your mortgage to spread the cost. If you pay them off within 30 days of the start of your mortgage, no interest will be charged on them. If you leave them on your mortgage, interest will be charged on them as part of your main mortgage. For more information, see a list of our fees and charges
Once you told us the new deal you want, all the paperwork you need will be with you in seven working days.
Your new deal will usually take effect five working days after we have received your signed offer.
You must request a new deal by the 12th of the month before the month in which you want the deal to start.
If you have more questions about your current mortgage please ask us a question or contact us.
