A product transfer moves you to a new deal with your existing lender - no new valuation, no conveyancing, often no fee. It's not always the cheapest option, but when it is, we'll tell you to take it and charge you nothing for the advice.
When a product transfer wins
If your current lender's retention deal is competitive and a full remortgage would add valuation and legal fees, a product transfer is often the cheaper route. We compare the total cost both ways and recommend the winner - even when that means no fee for us.
- No valuation or conveyancing costs
- Fast, low-stress process
- Often no broker fee - we tell you to take it
When switching wins
If the whole market offers a meaningfully cheaper rate after fees, or you need to borrow more, a full remortgage is better. We show the numbers and let the maths decide.
- Whole-market rate comparison after fees
- Top-up borrowing options
- Clear total-cost recommendation
