Residential policy
We offer a hassle-free product transfer service. Applications can be made up to 4 months before maturity and you can start an application on our website
Following receipt of your application, we will usually send a mortgage offer within 3 days to you and your client, they will then have 10 days to reflect on the offer (you can accept this earlier if they are happy with it). At the end of the reflection period we will arrange for completion to occur at the expiry of their current rate or as soon as possible if their deal has already ended.
A product transfer may not be available in very limited circumstances (e.g. an account is in arrears or has a consent to let).
Product switching
As part of any product transfer application, we will allow you to amend the product selected at any point before maturity. There are no restrictions on the number of times you can ‘switch’ products, however, it can take up to two weeks from when we get your fully completed application until your new rate is ready to go. Any applications received in the last 2 weeks of the product may not be completed in time for rate expiry.