Man looking at mortgage options on a laptop. Man looking at mortgage options on a laptop.

Changing your mortgage deal

If your existing mortgage deal is coming to an end or you want to switch to another deal, we've got a great range of mortgages to choose from.

looking to switch to a new mortgage deal?

If you already have a mortgage with us and you’re looking to review your options, our advisers are always available to help advise you on your next step. Once we understand your circumstances we may be able to identify a more suitable option. Do any of the following apply to you?

My current deal is coming to an end

If your mortgage deal with Saffron is coming to an end, you may be able to switch to a new product. Each product will have its own eligibility criteria. Please contact us to speak with one of our mortgage advisers, who will check that you are eligible before providing you with a personalised recommendation.

If you don’t want to switch to a new product, you don’t need to do anything. Once the deal comes to an end you will be moved to our Standard Variable Rate (SVR).

I have a Standard Variable Rate Mortgage and would like to switch

If you're paying interest on your mortgage at a Standard Variable Rate you may want to see what else is available and if there are better terms offered by some of our other products. Please contact us and we will happily talk to you about what’s available.

You can also see our full range of mortgages for existing customers.

My circumstances have changed and I would like to look at switching

We understand that changes to your personal circumstances might require you to take a fresh look at your finances. Our team of advisers are available to talk through your situation and let you know if a different product might suit you better.

How to contact us

You can get in touch by calling us on 0800 072 1100. One of our mortgage advisers will be happy to help you. Alternatively you can email the mortgage team.

Frequently asked questions

How do I know which product to choose?
One of our advisers will speak to you to find out about your circumstances. Once we know more about your situation we’ll be able to explain which products are available, based on how much you owe in relation to how much your current home is worth. We can then advise you on which product is best for you
What happens if I change my mind?
If you change your mind after submitting your request you will need to contact us as soon as you can before the effective date. We require 21 days’ notice if you wish to change your mind after requesting a mortgage switch.
I came to Saffron Building Society through a broker; do I have to go back to my broker to arrange my product to be switched?
No, your mortgage is with Saffron Building Society and we can deal with everything for you here.
Will I have to pay an Early Repayment Charge?

Details of any early repayment charges that may apply to you, and when they may be due will be shown on your mortgage offer. We’ll explain more about this as part of the product switch process. After you have had your mortgage for 12 months, your annual statement will also provide details. If you cannot find these documents or you are unclear, please give us a call.

If you are paying interest on your mortgage at Standard Variable Rate an early repayment charge will not be applied.

Will I be charged any fees?
As an existing customer there are no fees for switching your mortgage product. We like to keep things as simple as possible whenever we can.
What if I think my property is worth more?
When your mortgage adviser researches the most appropriate product for you they will use an estimated current property value. If you feel it would be more appropriate to have an up to date property valuation they can arrange this for you. Please note, a fee will be charged for the valuation, but give us a call and we’ll be able to tell you more.

Your home may be repossessed if you do not keep up repayments on your mortgage

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:

Does at least one applicant have an income?


Do you have a deposit (or equity in property) of at least 5% of the property value?


Do you own your current residential property (with or without a mortgage)?


Do you have a deposit (or equity in property) of at least 20% of the property value?


Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 1 working day.

Why stay with Saffron?

  • Free mortgage advice
  • We don’t need a valuation
  • No fees to switch your product
  • No affordability checks*

*(Providing you do not want to borrow more, or make any other changes to your mortgage)