Product Transfers

You can now earn a procuration fee of 0.20% for residential and Buy to Let product transfers

Product transfers can be processed up to 14 weeks prior to your clients maturity date

Step 1. Review details of your clients existing mortgage.

To find out the details of your clients' existing mortgage information please complete the following form and return it to

We will aim to respond to your information request within 2 working days subject to the request being received before 3pm. If you already have your clients mortgage information please proceed straight to step 2. 

Step 2. Produce a Mortgage Illustration

To request a Mortgage Illustration please complete the Rate Switch Request form and email it to a member of our Intermediary Retention Team on Our team will provide you with a KFI which matches your request. A change to mortgage term can be actioned in conjunction with a rate change. 

We will aim to respond to your request within 2 working days subject to the request being received before 3pm. 

Step 3. Complete a Rate Change

Once you have your clients permission to proceed, please email the Retention Team to confirm. Your Intermediary Retention Team will action the rate change on your behalf and send the necessary documentation directly to your client. We will aim to process the requested change within 2 working days subject to the email being received before 3pm, an email will be sent to confirm.

*Please note if your client's rate ends this month, we will require an email confirming the client wishes to proceed by the 20th to process for the following month*

If you have any queries please contact us on 0330 333 5542 

What happens if my client disagrees with the valuation figure?

We will work from your client's original valuation or the HPI, whichever is the higher. If your client disagrees you can input their figure on the KFI request along with a brief rationale for our consideration.

Can I change my client's term?

Yes, you can amend your client's mortgage term in conjunction with the product transfer.

Can I change my client's repayment type?

The client would need to manage this separately with our Direct Mortgage Centre on 0330 333 4030.

Can I arrange Further Lending, Porting or a Transfer of Equity for my client?

The client would need to manage this separately with our Direct Mortgage Centre on 0330 333 4030.

Will I receive a copy of the client's mortgage offer?

An offer will only be sent to the client one month prior to the product transfer taking effect.

When will my client benefit from the new rate?

The new rate will only apply when the existing rate has matured regardless of when the product transfer has been processed.

How long will the KFI be valid for?

KFI's will be valid for 14 days. If a new retention range is launched in the interim a further KFI can be requested on a new rate.

When will I receive my procuration fee?

We will pay the procuration fee the following month after completion, providing that the rate change was completed by the 20th of the month.

If my client has an existing flexible mortgage can they transfer on to a fixed rate product?

Clients with flexible mortgages can only avail of a discounted mortgage product.

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