How to make a product transfer

Get a new deal before your fixed rate ends.

Business man smiling

Complete the product transfer form

You’ll need the mortgage account number and details of the new deal.

Got a question?

We’ve got a step-by-step guide and frequently asked questions to help you.

What is a product transfer?

When your fixed rate mortgage deal comes to an end, you can switch to a new deal. We call this a product transfer. If you don’t switch to a new deal, your mortgage will go onto the standard variable rate. This is higher than the rate on a new deal.

Why switch with us?

It’s quick and easy with our short online form.
You can complete the form yourself, or a broker can do it for you.
No legal work is needed, so you don’t need a conveyancer.
Often, we don’t need to do affordability or credit checks.

Product transfer mortgage rates

How to switch your deal

1. Choose a new deal

You can choose a new deal 90 days before your current deal ends. We’ll send you a reminder so you don’t forget.

 

Compare our deals to find the right product for you.

2. Complete the form

Complete the product transfer form to request the new deal.

 

We need this 3 weeks before the end date. This makes sure you don’t go onto our Standard Variable Rate (SVR) that could cost you more.

3. Sign and return your mortgage offer

We’ll email your mortgage offer for you to sign. You can then scan and email this back to us.

 

Once the offer is signed, it cannot be changed.

4. We’ll confirm it’s complete

The new deal will start the day after the old one ends, so there are no early repayment charges (ERCs).

 

We’ll email you to confirm it’s done and what your new payments will be.

Frequently asked questions

You can apply for a product transfer up to 90 days before your current deal ends. We suggest you complete the form at least 3 weeks before your current deal ends. This makes sure we can start your new deal the day after your current one finishes.
You will need:
the name the mortgage is in
the mortgage account number
the product you want to switch to (the rate and term)
your name and contact details.
Yes. You can let us know on the form if you’d like to make other changes, such as borrowing more or changing the term. We’ll get in touch with you to discuss it further.

You will need to pay a product fee. We’ll confirm what this is in your mortgage offer. You can choose to pay the fee upfront or add it to your mortgage.


If you need a valuation, there will be a valuation fee as well. We’ll let you know if you need one.

You can change your mind before you sign the mortgage offer. Once it’s signed, you cannot make any changes.

No. You can only apply for a product transfer if you are currently on a fixed rate deal.

Want to get in touch?

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