As an existing customer, will I get the same rate as a new customer if I refix with you?

As an existing customer looking to refix, you can be sure that the rate that we offer you will never be higher than the rate we’ll offer new customers on the same product at the same time. Get in touch with our team, by calling us or booking an appointment , and we can discuss the best options for you. • Personal customers: 0161 933 7069 . • Commercial customers: 0161 933 7165 . We're open ${SalesHoursFormsMT} Mon-Thu, ${9to530} Fri.

My fixed rate is coming to an end. Can I switch to a new fixed rate term?

If you prefer the peace of mind of knowing that your payments are fixed, we can look at refinancing your agreement with one of our latest offers. Our experts are on hand to discuss your options. Get in touch by calling us or, book an appointment – our team are more than happy to help. • Personal customers: 0161 933 7069 . • Commercial customers: 0161 933 7165 . We're open ${SalesHoursFormsMT} Mon-Thu, ${9to530} Fri.

How soon after funding a mortgage can I apply for another mortgage?

If the mortgage is secured against a different property, you can apply for another mortgage at any time. If you’re wanting to secure against the same property, please give us a call, or book a call back . Personal customers: 0161 933 7069 . Commercial customers: 0161 933 7165 . We're open ${9to530} Mon-Fri.

How long does it take to switch to my new fixed term at the end of my current fixed term?

If you contact us four weeks before your fixed term finishes, we’ll aim to make the switch seamlessly at the end of your current term. Your next monthly payment will then be on your new fixed rate, and not on the variable rate that it would’ve reverted to.

How long can I fix my rate for?

We offer 2 year and 5 year fixed terms. We also offer variable rates, if you aren't looking to fix.

We don’t currently offer the option to switch online, but it’s quick and easy to speak to one of our experts. Please give us a call, or book a call back : Personal customers: 0161 933 7069 . Commercial customers: 0161 933 7165 . We're open ${9to530} Mon-Fri.

Existing Customers

My fixed-rate period is about to end.

No valuation required
Dedicated team on hand
Fast-track application process
No affordability assessments for product transfers
Refinance options, including Shared Ownership & Right to Buy

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Lower rates when you stay with us or switch your mortgage

If your fixed rate is coming to an end, or you’re thinking about moving your mortgage to us, you could benefit from a lower rate.

Whether you’re looking for a better deal, moving home, or releasing some of the value in your property, we’re here to help make things simpler and more affordable.

Explore your options below.

grey haired man wearing glasses sat at a table on a mobile phone working on a laptop

Can I switch to a new fixed-rate term?

If you prefer the peace of mind of knowing that your payments are fixed, we can look at refinancing your agreement with one of our latest offers. We can discuss your options over the phone - please use the link below to book an appointment and speak to a member of our Together team.

What happens at the end of my current fixed term?

There’s two options and both are simple:

Firstly, you can do nothing and you’ll automatically be switched to one of our variable rates. As it’s variable, your monthly payments will change occasionally based on any changes to the rate.

Or, you could switch, either to another fixed rate or variable rate – whichever works out best for you. Our product switch process makes it easy and hassle-free.

Take a look at our step-by-step guide to find out more about how it works.

View our step-by-step guide

Need further information?

Can I switch to a new fixed-rate term?

Your mortgage will change to a variable interest rate – the details will all be outlined in your agreement, and we'll write to you with details about it a few months before it changes. If you're paying by Direct Debit, we'll automatically adjust your payments and you won't have to do anything.

If you prefer the peace of mind of knowing that your payments are fixed, we can look at refinancing your agreement with one of our latest offers. We can discuss your options over the phone, or please use the link to book an appointment and speak to a member of our Together team.

• Personal customers: 0161 933 7069.
• Commercial customers: 0161 933 7165.

We're open 09:00 to 20:00 Mon-Thu, 09:00 to 17:30 Fri.

If you are still unclear, and want to find out more about your fixed-rate period ending. Visit our page here.

Need more information?

Can I extend my loan term or amount?

We'll happily look at your current circumstances and see what options that are available for you. Please give us a call, or book a call back.

• Personal customers: 0161 933 7069.
• Commercial customers: 0161 933 7165.

We're open 09:00 to 20:00 Mon-Thu, 09:00 to 17:30 Fri.

All lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.

All mortgages are subject to our terms and conditions.

Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.

My fixed-rate period is about to end.

Lower rates when you stay with us or switch your mortgage

Can I switch to a new fixed-rate term?

What happens at the end of my current fixed term?

Need further information?

Can I switch to a new fixed-rate term?

Can I extend my loan term or amount?

Ready to talk?