Online product transfers

1. If you haven’t already, please register for MSO.


2. Log into MSO using your new username and password and select Standalone Rate Switch.


3. Submit your clients details. You'll need your client(s) personal details including date of birth, primary mortgage account number and the property's postcode to complete a product transfer in MSO. Please submit the details of all the applicants named on the mortgage. 


4. Create the case to view the existing lending details and select the case summary. A new case will be created. 


5. View the property and loan details. If you intend to challenge the index valuation please call us - do not continue with the product transfer. 


6. When you reach the loan requirements stage of the transfer you can extend the term of the mortgage.  If you decide to do that, you must complete the term extension before you switch the product.  


7. Once you have selected the product, a mortgage offer and illustration pack will be available to view. If a product fee is to be paid rather than added to the loan this will need to be paid at application.


8. Once you have confirmed that the applicants have read the mortgage offer and agree to the application please submit the product transfer. If you need the transfer to complete on 1st of the following month, you’ll need to submit by the 20th of the month.


9. The customer will receive a confirmation email along with posted documents to their security address.

If your client:

• wants to decrease the term or repayment basis in conjunction with a rate switch.
• wants to transfer early and pay ERCs
• wants to change the mortgage amount, decrease the term or repayment basis
• has consent to let on their current mortgage deal
• Is taking a payment holiday and/or are in arrears on their mortgage

Your client will need to call us direct on 0330 333 4002.