Getting a new mortgage deal without moving home

Choosing a new mortgage is an important decision. Get it wrong and you could be counting the cost for years to come. But with so many mortgages and offers on the market, each with their own features and benefits, making sure you choose the right one for you can be difficult.

At Bristol & West Mortgages, we've tried to keep it simple. So whatever you want from your next mortgage deal, we're confident we've got one that’s right for you.

Main benefits of staying with Bristol & West Mortgages

  • Easy to arrange - As an existing customer we already hold your details so you won't have to go through a lengthy application process.
  • Wide choice - We offer a full range of mortgages with different features and benefits available to existing customers.
  • More flexible - Some of our mortgages feature flexible repayment options so you can choose to overpay, underpay or take repayment breaks.
  • A name you can trust - You know us, so you can be sure you'll continue to enjoy the high levels of customer service you've come to expect from us.
  • The option to borrow more - Taking out a further advance loan to extend your borrowing is easy. Subject to you staying within your deal’s loan to value (LTV) limit, of course.

The options we can offer you

  • You can choose from a variety of mortgage deals.
  • You can choose from a range of convenient features.
  • You can choose from a range of competitive rates.

Before choosing anything, however, please talk to one of our experienced Mortgage Specialists to make sure you have all the information you need, and to make sure you're making the right choice for you.

Discount

For an agreed period, discount mortgages give you a discount off our Standard Variable Rate (SVR). The discounted rate follows any movement in our SVR, so the level of your payments can go up as well as down.

These mortgages lower your initial monthly repayments to help you settle in.

Please note that most discounted promotional rates will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate, and it can go up or down, usually following changes to the Bank of England's Base Rate.

Show me the current rate tables for existing customer mortgages (PDF)

Fixed

If you're looking for budgeting peace of mind, fixed rate mortgages can be a good option.

Fixed rate mortgages fix the interest rate you pay so your monthly repayments stay the same, regardless of what happens to interest rates generally. You can choose how long your fixed rate lasts from a range of options, to give you tighter control of your own budget.

You will always know what your monthly repayments will be. But interest rates are hard to predict and if they fall, you could end up paying more on your fixed rate than you would have done with a variable mortgage.

Please note that any fixed promotional rate will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate and it can go up or down, usually following changes to the Bank of England's Base Rate.

Show me the current rate tables for existing customer mortgages (PDF)

easyflex

Our Bristol & West Mortgages flexible mortgage is called easyflex. It allows you to adapt your payments to react to any changes in your life and/or income - so, depending on your individual account circumstances you can overpay, underpay or take a break from monthly payments.

Please note that these mortgages track above the Bank Base Rate, and can therefore go up or down in line with any changes that the Bank of England may make to interest rates.

Show me the current rate tables for existing customer mortgages (PDF)