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When your existing mortgage product is coming to an end, we will write out to you eight weeks before your product maturity date inviting you to complete a rate switch.

If your current mortgage product is due to end in three months or less you are more than welcome to speak to one of our Mortgage Advisers before receiving any letter.

If you choose not to take up our rate switch offer, you will automatically revert to our Standard Variable Rate or Buy to Let Variable Rate on maturity of your existing product. We will confirm your new monthly repayment by post. For more information or to book an appointment please call us on 0121 557 2551, complete our online form or visit one of our branches.

In your rate switch made easy letter, we provide you with details of the products currently available and you select the most suitable product for yourself. This allows you to complete your mortgage rate switch on an Execution Only basis. Execution Only means that we are not providing you with any advice or assistance.

Let us know which product you have chosen. There are 4 simple ways to contact us:

• Complete the online rate switch form;
• Email rateswitch@thetipton.co.uk;
• Call us on 0121 521 4046; or
• Post your completed form using the prepaid envelope provided.

We’ll then issue your rate switch documentation for your chosen product.

If you would prefer to receive advice about your mortgage rate switch, you will need to book an appointment with one of our Mortgage Advisers who can go through the advice and recommendation process to find the most suitable product for you. Please contact us on 0121 557 2551, visit one of our branches or complete our contact us form to arrange an appointment.

We recommend that you book an appointment with one of our Mortgage Advisers who will be able to determine whether it is beneficial for you to have your property revalued.

Please contact us on 0121 557 2551 or complete our contact us form for more information.

The products detailed on our website are for new mortgages and remortgages only. The Execution Only letter you have received details all of the products that are currently available to you based on your outstanding mortgage balance and the last valuation we carried out on the property. Please contact us on 0121 557 2551 or complete our contact us form if you require further assistance with your mortgage rate switch.

You can apply for a new mortgage product at any time. If you are within a mortgage product you may incur an Early Repayment Charge. Please call us on 0121 557 2551 or complete our contact us form for more information on this.

If you have received a rate switch made easy letter from us containing your unique reference code and product options, you are eligible to apply to choose your own mortgage product on an Execution Only basis without receiving advice from us. Let us know which product you’d like to proceed with by completing our online rate switch form, emailing rateswitch@thetipton.co.uk, calling us on 0121 521 4046, or posting the form back to us using the pre-paid envelope.

If you would prefer to receive advice, or if you are not eligible for Execution Only, please arrange an appointment with one of our Mortgage Advisers, you can do this by calling us on 0121 521 4046 or completing our online contact form.

The range of products that are available to you depends on your loan to value. If your property has increased in value this could make a difference to the products you are eligible for. We will need to arrange to revalue your property for which there is a fee payable. Please contact us for more details on 0121 557 2551 or by completing our online form.

Not really. Completing a rate switch with us is a much quicker and simpler process. We will issue you with all the necessary paperwork that you will need to sign and return. For a straightforward rate switch we don’t usually need any additional documentation from you.

An advised rate switch appointment is simple and straightforward. We do not require you to bring any documentation with you, however we will ask questions about your income and expenditure so please be sure to know all these details.

If you are applying for additional borrowing with your rate switch we will need more information, this will include:

• Most recent P60;
• Latest salary fed bank statement;
• Last three months' pay slips;
• Last three years’ SA302s or limited company accounts (if self-employed);
• Accountants details (if self-employed);
• Home improvement quotations (if borrowing additional money).

If there are any other documents we may need your Mortgage Adviser will let you know.

If you are on our Standard Variable Rate or Buy to Let Variable Rate you can apply for a new product at any time without incurring an Early Repayment Charge.

If your current mortgage product is coming to an end, you will be able to apply for and reserve a new product up to three months before your existing product matures without incurring an Early Repayment Charge.

If you are within a mortgage product you may incur an Early Repayment Charge. Please call us on 0121 521 4046 or complete our online contact form for more information on this.