Maximise Your Mortgage – Get Cashback on Your Product Transfer!
Your home loan, your cashback. Enjoy vouchers, cash, or charity contributions when you transfer today.
See cashback mortgages from 70+ lenders across the whole of market
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Get a little extra when you find your perfect home,
see how much cashback you could get when you mortgage with us.
Why Choose a Product Transfer?
- Lower Costs - No valuation fees, legal costs, or lender admin charges.
- Faster Process - Skip lengthy applications—stay with your lender.
- Better Stability - Avoid increasing costs of Standard Variable Rate (SVR).
- Exclusive Perks - Get cashback rewards you can use however you choose!
Product Transfer: The Only Option for Some Borrowers
For some homeowners, a Product Transfer may be the ONLY viable solution due to certain financial circumstances:
Recent Bad Credit
If you’ve had missed payments or defaults, switching lenders may be difficult.
Self-Employment or Irregular Income
Changing lenders often means stricter affordability checks, which might block new applications.
Lower Property Value
If your home’s value has dropped, switching lenders could reduce borrowing power.
Limited Time & Convenience
A product transfer is the easiest way to secure a deal without extensive paperwork, valuations, or additional credit checks.
Avoid Standard Variable Rate (SVR) – Act Before Your Deal Ends!
Don’t let your mortgage revert to SVR—higher costs await!
- Most lenders automatically move borrowers to SVR once a fixed-rate deal expires.
- SVR rates are typically much higher and unpredictable than fixed deals.
- A Product Transfer allows you to lock in better rates and avoid unnecessary costs.
Our Value-Add – Cashback Made Easy!
When you complete a product transfer with us, you receive cashback in three flexible ways:
- Gift Vouchers - Use them for retail, dining, or travel.
- Cash Rewards - Direct transfer to your account for ultimate flexibility.
- Charity Contribution - Support a cause that matters to you.
How It Works (Simple Process)
- Check Eligibility - Confirm if your lender offers a transfer option.
- Compare Rates - Our experts find the best available rates for you.
- Complete the Transfer - Seamlessly transition with no new paperwork hassle.
- Claim Your Cashback - Choose vouchers, cash, or donate to charity—it’s yours to use!
FAQs
Why a Product Transfer is Your Best Choice
A product transfer allows you to stay with your current lender and switch to a new mortgage deal without switching providers.
A re-mortgage involves moving to a different lender, while a product transfer keeps things simple by staying with your current provider.
If your fixed-rate deal expires, your lender will automatically switch your mortgage to their Standard Variable Rate (SVR), which can be significantly higher.
Yes! There’s no need for new credit checks, legal fees, or property valuation, making it a quick and efficient process.
Absolutely! Brokers unlock exclusive lender deals that you won’t find by going directly to your lender.
We reward you with cash, vouchers, or charity contributions when you transfer through us—something you won’t get going direct.
Most lenders do not charge fees for switching deals internally, unlike a full re-mortgage process.
Most major UK lenders offer product transfer options, especially broker-exclusive lenders like Accord Mortgages, BM Solutions, and The Mortgage Works.
Around 6 months before your current deal ends is ideal to lock in the best rate before reverting to SVR.
If you’ve had recent credit issues, self-employment challenges, or a lower property value, switching lenders may not be an option—so locking in a new deal with your current lender is the best choice.