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Product Transfers

Here’s a clear view of our product transfer rates, so you can quickly find the right fit for your client and move with confidence.

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE. IF YOU ARE A CONSUMER, RETURN TO OUR HOMEPAGE

Product Transfer Information

In order to act for your customers during their product switch process, we will require a signed Letter of Authority confirming their permission for you to act on their behalf. Once this has been provided to customeroperations@harpendenbs.co.uk, you can discuss your customers product switch options via the same email address or on 01582 463133.

Our Current Product Transfer Rates

Residential Transfers

Residential Fixed to 31st July 2028

Current Pay Rate

4.59%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential Fixed to 31st July 2028

Current Pay Rate

4.73%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential Fixed to 31st July 2028

Current Pay Rate

4.74%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.84%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.84%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Product Fee

£0.00

ERCs

2% Years 1 & 2
Residential Transfers

Residential Fixed to 31st July 2028

Current Pay Rate

4.86%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential 2 Year Discount

Current Pay Rate

5.04%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

2% Years 1 & 2
Residential Transfers

Residential 3 Year Discount

Current Pay Rate

5.04%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
BTL & Holiday Let Transfers

BTL & Holiday Let Fixed to 31st July 2028

Current Pay Rate

5.08%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
BTL & Holiday Let Transfers

BTL & Holiday Let 2 Year Discount

Current Pay Rate

5.34%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

2% Years 1 & 2
BTL & Holiday Let Transfers

BTL & Holiday Let 3 Year Discount

Current Pay Rate

5.34%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3

Please note: the above is for Intermediary use only – not for consumer distribution.

Key Resources for Intermediaries

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Forms & Documents

Access key forms and useful documents to manage your journey and to support you and your clients smoothly. 

Find Out More
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Affordability Calculator

Use our affordability calculator to estimate how much your clients could borrow.

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