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Get an MOT on your mortgage

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Exclusively for AA Breakdown Members

  • Usps white tick
    Save on your mortgage

    A service that could save you money on your mortgage†.

  • Usps white tick
    No upfront fees
    No arrangement or standard valuation fees on fixed rate mortgages. No standard legal fees on fixed rate remortgages.
  • Usps white tick
    Giving you more
    15% discount on AA Home Insurance**. 12 months AA Home and Boiler cover. Terms and conditions apply*.

Why have a mortgage MOT?

Currently, 24% of our Members are on their mortgage provider’s standard variable rate, meaning they could be paying more than they need to. So that’s why our breakdown Members can get an MOT on their mortgage to see if they could be better off†. 

If you do decide to change your mortgage you should consider beforehand any charges that you may incur from your current provider, as well as any restrictions that apply to your new mortgage.

About the mortgages

There’s a simple range of Member-only residential 2, 3, 4 or 5-year fixed rate mortgages with no arrangement or standard valuation fees. Plus:

  • No standard legal fees if you’re remortgaging and choose a nominated solicitor from the panel of approved solicitors.
  • Cover your home for 12 months, including 24/7 boiler, heating, electrical and plumbing repairs with Home Response Plus and Central Heating Response Plus (see the terms and conditions below*).
  • Save 15% on our Home Insurance (see terms and conditions below**).

†AA survey conducted by Populus, between 14 and 24 June 2016. 24% of 4,688 online interviews conducted.

Call today for your mortgage MOT

If you want to see if you could save money on your mortgage, call the team today. Make sure you have these 4 things to hand before you call:

  1. Your Breakdown Membership number
  2. Approximate value of your home or purchase price, postcode and year of purchase.
  3. Your current mortgage balance.
  4. The current interest rate you’re paying.

When you call, you’ll answer a few questions. This is so the team can see whether there’s a mortgage that could save you money. After that, you can decide whether you want to apply for a mortgage over the phone or apply online.

Learn more about the mortgage range and rates (PDF)



Already started your application online?

*Home Response Plus and Central Heating Response Plus cover eligibility and terms and conditions
  • Offer applies to customers who have completed a mortgage, provided by Bank of Ireland UK.
  • You must provide your mortgage account number to get your cover.
  • 12 months’ cover applies to Home Response Plus and Central Heating Response Plus cover only, with no excess.
  • Not valid for renewals or for customers who already have these insurance covers through the AA.
  • Offer is non-transferable, has no cash value and can only be used once.
  • To redeem the offer, call us on 0800 975 6530 within 12 months of your mortgage completion date. You need to agree to the terms and conditions that apply to this offer.
  • Boiler restrictions and terms and condition apply. Your cover will stop after 12 months. You’ll be contacted near the end of the policy about renewing options.
**Home Insurance discount terms and conditions
  • The discount is valid for new customers or renewal for existing customers. It applies to a year’s cover only.
  • This offer is only available to customers who have a mortgage application number.
  • The discount applies to the core insurance premium only and not optional policy enhancements taken.
  • The offer validity is subject to the AA being able to provide a quote based on your full details.
  • This discount doesn’t apply to Home Insurance quotes generated or policies sold online and cannot be used in conjunction with any other offer or discount. And it can be withdrawn or amended at any time.
  • This voucher has no cash value and is valid for 12 months from your mortgage offer date.
  • The underwriter of your home insurance policy will be chosen from our panel of insurers.


AA Breakdown Member

An AA Breakdown Member is a customer that arranged cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.

Approval in principle (AIP)

If you're unsure if a lender will accept you or how much you could borrow, you can get an agreement in principle (sometimes called a decision in principle). Your lender will perform various checks and may need a full break down of your income and outgoings each month. Once your lender is happy they'll offer you an AIP – a document stating the amount they’re willing to lend to you.

Annual Percentage Rate of Charge (APRC)

This shows the overall cost of borrowing, taking into account the term, interest rate and other costs. You can use it to compare different mortgage offers.

Arrangement fee

Many mortgages come with an arrangement fee. This can be paid upfront or added to the loan. AA Mortgages don't have arrangement fees.

Fee assisted 

Fee assistance options include features such as no arrangement fee, standard valuation fee paid by the lender and free standard legal fees for remortgages (usually you’d need to use a solicitor appointed by the lender).

Higher Lending Charge

This is often charged by your mortgage lender if you’re borrowing more than 75% of the property’s value. It protects the lender against you defaulting on your mortgage.

Loan to Value (LTV)

It’s the amount of mortgage expressed as a percentage of the value of the property or purchase price, whichever is lower. For example, a mortgage of £80,000 on a purchase price of £100,000 would be 80% LTV. If the valuation of the property is lower than the price you've agreed, the LTV will be based on the valuation.

No arrangement fee

No arrangement fee products are just that. These could help if you want to keep costs down.

Overall cost for comparison

The total cost of a loan, including interest charges and product fees, shown as a percentage rate. The calculation assumes you keep the mortgage for the full term. APRC is the industry standard calculation and allows you to directly compare mortgages from all lenders.

Standard legal fees

If your mortgage states that standard legal fees are paid by the lender, the lender will pay the fees for remortgages through their nominated solicitors – terms and conditions apply. Additional legal work may incur other fees. Refer to the lender's General Lending Criteria for full details.

Standard valuation fees

Also known as a 'lender's valuation', is a basic assessment that’s carried out on a property to establish its condition and value. This is done so a lender can decide whether to lend on the property.

All mortgages are subject to status and lending criteria. Written illustrations are available on request.

AA Breakdown Member: An AA Breakdown member is a customer that arranged cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.

Borrowers must be aged 18 or over.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211).

AA Financial Services Limited (AAFS) acts as a Home Finance intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive Home Finance provider.

Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc. Bank of Ireland (UK) plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885).

Home Response Plus, Central Heating Response Plus and Home Insurance

AA Financial Services Limited is introducing customers to Automobile Association Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority. AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211).

Call our team

0800 169 6010

If you prefer to talk your application through with an expert.

Lines are open Monday to Friday, 8:30pm to 8pm. Saturday, 9am to 2pm. Closed on bank holidays.

0800 169 6010