Product Switch Hub

Switching is easy.

If your customer's current deal has ended or they are are in the last 6 months of their current deal and have no arrears, we've made it easy to switch to a new deal online.

family at home

Switching is easy

Switching your customer's mortgage product with us is quick and easy. If your customer's current fixed or discounted variable rate has already expired or is due to expire within the next 6 months, and they meet our eligibility criteria, you can request a product switch.

Note: If your customer has already started an application within our Product Switch Portal, you will need to ask them to contact us and request for their application to be cancelled to allow you access to proceed. This is because our system only allows one application to be in place at any given time.

Who can switch online?

  • Your customer is in the last six months of their current deal.
  • Or their initial deal has ended and they are on a variable rate. You can view our current product switch rates here
  • Your customer's account has no mortgage arrears.
  • To review all of the eligibility criteria please see our FAQ Section
Visit the portal

 

Our Product Switch Rates

Here you can browse our range of straightforward Residential and Buy to Let products currently available for Product Switches. These rates are subject to change without notice.

ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed7.49%£7954% / 3%RFP1231270
2 year fixed, fee free7.94%£04% / 3%RFP1231271
5 year fixed7.13%£7955% / 5% / 4% / 3% / 2%RFP1231272
5 year fixed, fee free7.28%£05% / 5% / 4% / 3% / 2%RFP1231273

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.44%
(VVR + 2.64%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.
ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed7.69%£7954% / 3%HFP1231266
2 year fixed, fee free8.14%£04% / 3%HFP1231268
5 year fixed7.33%£7955% / 5% / 4% / 3% / 2%HFP1231267
5 year fixed, fee free7.48%£05% / 5% / 4% / 3% / 2%HFP1231269

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.44%
(VVR + 2.64%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.
ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed7.54%£7954% / 3%RBP1231264
5 year fixed7.23%£7955% / 5% / 4% / 3% / 2%RBP1231265

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.44%
(VVR + 2.64%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.
ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed6.59%1.75%4% / 3%BSP1231274
2 year fixed, fee free7.59%0%4% / 3%BSP1231275
2 year fixed4.97%5%4% / 3%BSP1231284
5 year fixed6.33%1.75%5% / 5% / 4% / 3% / 2%BSP1231279
5 year fixed, fee free6.78%0%5% / 5% / 4% / 3% / 2%BSP1231280
5 year fixed5.68%5%5% / 5% / 4% / 3% / 2%BSP1231287

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.64%
(VVR + 2.84%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.
ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed6.89%1.75%4% / 3%BHP1231277
2 year fixed, fee free7.89%0%4% / 3%BHP1231278
2 year fixed5.27%5%4% / 3%BHP1231286
5 year fixed6.43%1.75%5% / 5% / 4% / 3% / 2%BHP1231282
5 year fixed, fee free6.88%0%5% / 5% / 4% / 3% / 2%BHP1231283
5 year fixed5.78%5%5% / 5% / 4% / 3% / 2%BHP1231289

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.64%
(VVR + 2.84%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.
ProductInitial rateProduct FeeRedemption FeesProduct Code
2 year fixed7.04%1.75%4% / 3%EFP1231276
2 year fixed5.42%5%4% / 3%EFP1231285
5 year fixed6.58%1.75%5% / 5% / 4% / 3% / 2%EFP1231281
5 year fixed5.93%5%5% / 5% / 4% / 3% / 2%EFP1231288

Rate Information

Vida Variable Rate (VVR)
set on 01.02.2026 5.80%
Revert Rate 8.64%
(VVR + 2.84%)
What is Revert Rate?
The revert rate is the variable interest rate your customer will move on to when their fixed rate period on their mortgage ends should they decide not to refix their loan with Vida or another lender. The revert rate is charged at a margin above the Vida Variable Rate which tends to move up down closely in line with the movement in the Bank of England Base Rate.

Product Fee

This is the fee for arranging the mortgage. It is typically added to the loan although there is an option to pay it upfront. If paying upfront, we can accept payment via a UK debit/credit card before the offer is accepted. Where a product fee is a percentage of the loan this is calculated based on the mortgage balance at the time the illustration and offer are produced. Monthly interest is added to the account at the beginning of the month and therefore if you produce the offer before you have made your monthly payment the product fee may be higher.

Redemption Fee

This is the fee to pay Vida if all or part of the mortgage is repayed earlier than the end of the agreed fixed rate term. This may also be payable if your customer moves house and is not able to take the mortgage to the new property, or if they remortgage during the initial rate period of the mortgage. A redemption fee is typically expressed as a percentage of the loan amount so if a mortgage has a redemption fee of 2% of the mortgage balance, on a £100,000 mortgage that would equate to a fee of £2,000. Overpayments can be made of up to 10% In any rolling 12 month period without any charge being made.

| Rates effective from 25.03.26 |

smiling woman in the street

Good to know when Product Switching


Our rates change from time to time, and may change at very short notice.

You are welcome to generate an offer and take your time to think about what you want to do, but once you accept an offer the rate cannot be changed. (So please don’t accept an offer unless your customer definitely wants to go ahead, because we can not cancel or change the deal once the offer has been accepted).

An offer will automatically expire after 14 days if it is not accepted. You then need to start again.

It takes us 10 working days to make the arrangements to switch the mortgage to the new fixed rate deal, and all of our rates start on the 1st of the month. Don’t leave it to the last minute, as your customer may then spend more time on a higher variable rate.

There is a regulatory requirement to send letters to customers who have not yet completed on a product switch to remind them that the product is coming to an end and what the new interest rate will be. Until the process has been completed and they have formally switched they will continue to receive these letters. The letters confirm that if they have already switched these can be ignored.

Ready to Product Switch?
family at home

Product Switch FAQs

Here are the answers to some frequently asked questions from our customers about our Product Switch process.

Assuming your customer's current rate has already expired or is due to expire in the next 6 months they can most likely switch to a new product. These are the circumstances that would make them ineligible:

  • If they are not up to date with payments (i.e., if they have any unpaid amount on their mortgage). This must be true when they accept the offer, and on the switch date.
  • If their remaining mortgage term is not greater than the fixed period of their new product + 6 months. For example, they must have at least 2 years and 7 months left on their current mortgage term to be eligible for a 2 year fixed product, and at least 5 years and 7 months left on their current mortgage term to be eligible for a 5 year fixed product.
  • If they have any personal insolvency proceedings.
  • If their mortgage is in the name of a limited company, the limited company must not have any insolvency proceedings.
  • If they are in breach of their mortgage terms and conditions.
  • If they are subject to any possession order.
  • If their current mortgage with us is a Second Charge.
  • If they confirm that they are currently suffering from any form of financial difficulty.
  • If they are aware of any imminent change of circumstances which might affect their ability to continue paying their mortgage.
  • They must be able to confirm that they have not been subject to any bankruptcy order or individual voluntary arrangement (IVA) since taking out their mortgage with us.

Switching your mortgage product with us is quick and easy. It can be done in these 5 steps:

1. Account retrieval - Retrieve your customer(s) details using their account number, surname & date of birth.

2. Application details - Provide your customer(s) contact details, select your submission route & confirm whether you are providing advice.

3. Product options - Review products and select one which meets your customer(s) needs.

At Vida, we’re committed to fair and transparent pricing for all our customers. The products available through our Product Switch portal are tailored specifically for existing customers. The rates are based on their original mortgage application and do not require a full re-underwrite, valuation, or legal fees—making the switching process quicker and simpler.

4. Offer - Generate the offer for your customer(s). Review and accept it.

5. Next steps - We confirm the date the product will switch and the date you will be paid your procuration fee.

If your customer's current fixed or variable rate has already expired or is due to expire within the next 6 months, and they meet our eligibility criteria, they can product switch.

Your customer's offer will be valid for 14 days. If they do not accept the offer before it expires you will need to restart the product switch process with the rates on offer at the time.

You can only have one mortgage offer at a time. If you click on “Change product” on the offer page the offer will be cancelled, and you will need to choose again from the rates that are currently available.

All product switches occur on the 1st of the month. To have time to process the switch request we need to have received the offer acceptance 10 working days before the end of the month.

If an offer is accepted to switch in the final 10 days of the initial rate term, the new rate will not take effect until the 1st day of the next month + 1. Your customer will therefore pay the variable interest rate for at least a full month before the switch rate applies.

We cannot switch the product before your customer's current fixed or variable rate ends.

Your customer must continue making payments in accordance with the terms of their current mortgage offer until their switch is implemented.

If your customer pays by direct debit their payment will automatically be amended. If they pay by alternative means they may need to take action.

Your customer does not need to supply any documents. We will not re-underwrite their mortgage, saving them time and any legal and valuation costs usually incurred if they were to remortgage with another lender.

Login to our Switch Hub