Remortgage / Product Transfer
Plan ahead for your next mortgage deal

1. Start early — up to six months ahead

Current mortgage deal coming to an end? Talk to us up to six months before it finishes. We’ll review your mortgage and help you secure a new deal when your lender’s booking window allows, giving you time to get everything arranged.

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2. Compare staying with your lender and moving

A product transfer means choosing a new deal with your existing lender. A remortgage means moving to another lender. We’ll compare the options available to you, looking at the rate, fees and overall cost, and recommend a mortgage suited to your circumstances.

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3. Secure a rate, then keep it under review

Securing a fixed rate early can protect you if rates rise before your new deal starts. If rates fall, we’ll review whether you can move to a lower rate before completion. This depends on the lender’s rules, deadlines and any fees — our aim is to secure the most suitable deal at the best overall cost available to you.

 

4. Get everything ready for your new deal

We’ll handle the application, help with the paperwork and keep you updated. We’ll plan the start date around your current deal ending, taking account of any early repayment charges, and review your rate before completion or your product transfer takes effect.