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.
Transfer Products
Residential 2 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential 3 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential 2 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential 3 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential 2 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential 3 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
BTL & Holiday Let 2 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
BTL & Holiday Let 3 Year Discount
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2028
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2031
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2028
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2031
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2028
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Residential Fixed to 31st October 2031
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
BTL & Holiday Let Fixed to 31st October 2028
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
BTL & Holiday Let Fixed to 31st October 2031
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
How to apply
If you require advice, you must contact your broker. They will be able to provide you with the appropriate advice for your needs and circumstances, provide you with a recommendation, illustration and apply to us to complete your product switch.
If you do not require advice and are not looking to make any other changes to your mortgage, you can apply directly following these 3 simple steps:
Take a look at our transfer products that are listed above, and chose the right one for yourself.
Request a mortgage illustration (ESIS) by completing this Mortgage Illustration Form.
Once you have received your illustration (ESIS) and are happy with it, complete the Product Switch Form and we’ll transfer your mortgage to your chosen product.
Or if you prefer, you can get in touch
Frequently Asked Questions
You can switch up to a maximum of 3 months before your current mortgage rate comes to an end without incurring an Early Repayment Charge (ERC).
If there are no other changes, all you need to provide is the information asked for in the forms contained within this page. You must have received a mortgage illustration from your intermediary or from us before applying to switch your rate.
Yes; you can follow the same process and apply through your intermediary or directly to us, following the steps explained online.
If the product you’re interested in lasts longer than the remaining term of your mortgage, please call us on 01582 765411, option 3. We’ll explain your options and help you understand what may be available.
If you don’t switch to a new deal before your current one ends, you’ll move on to our Standard Variable Rate (SVR).
You can stay on the Standard Variable Rate until the end of your mortgage term, or you can apply to switch to a new deal at any time.
No. A product switch only changes the interest rate on your existing mortgage. If you require additional borrowing or any other changes to your mortgage, please contact us to discuss the options available, as this will require a separate application and assessment.
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