Member Product Transfers

What is a product transfer?

A product transfer or switch is when you move to a new rate with your current mortgage lender when the mortgage deal on your existing mortgage balance comes to an end. Product transfers are often a more convenient choice, allowing you to change your mortgage rate quicker. If you already have a mortgage with us and are ready to switch, take a look at the rates available below, they’re good as or better than the equivalent products offered to new members.

Benefits – why existing customers choose us?

Staying with your current lender when your mortgage deal ends can be a simple and convenient option. Because we already know you and your mortgage, the process is often quicker and involves less paperwork than moving to a new lender. In many cases, there is no need for income verification, legal work or a property valuation, which can make switching to a new deal feel much more straightforward.

It can also help you stay in control of your monthly payments by moving onto a new deal before your current rate ends (up to 3 months earlier) and avoiding the standard variable rate (SVR), which is usually higher. For many customers, staying with your current lender can give peace of mind, as you already know how they work and can choose a new deal with confidence.