Product transfers

Before we can start the process, you’ll need to instruct a broker to act for you. For help understanding the options available when your current mortgage product ends, you can contact the broker who arranged your current mortgage, you can visit the website unbiased.co.uk, or use the Financial Services Register at fca.org.uk to find details of mortgage brokers. They’ll review your current financial situation and determine which option and product is most suitable for you.

We’ll also need you to provide your authority for your broker to act on your behalf. It’s important we get this authority before we can secure a rate for you.

The quickest way to do this is to call our Product Transfer Team on 0333 240 6180 and we’ll register your authority directly onto our system. Your broker can then start discussing your product transfer requirements with us straight away.

Our opening hours are Monday to Friday, 9am to 5pm (closed on weekends and bank holidays).

Alternatively, you can complete our Product Transfer Letter of Authority and send it to your broker. Please note, we don’t accept digital or electronic signatures.

If you don't have your product quote, your broker will request one from us.

We’ll work directly with them on your product transfer instructions.

Single product

If you select a single product, we’ll issue both the Mortgage Illustration and the Offer to your Broker. We’ll also send a copy of the Offer to you.

Multiple products

If you select multiple products, we’ll issue Mortgage Illustrations for all selected options to your Broker. Once you confirm which product you’d like to proceed with, we’ll issue the Offer to your Broker, and a copy to you. We can withdraw our rates without notice. The rate is only secured once we’ve issued an Offer.

Once we’ve received your product transfer request from your Broker, we’ll be in touch within 5 working days to share the progress.

We’ll need to receive the Acceptance of Offer signed by all borrowers before the Offer valid end date. Please note, we don’t accept digital or electronic signatures.

Once you’re happy with your Offer, please sign, date, and return the Acceptance of Offer form to us:

• by e-mail - take a good quality picture or scan of the signed form and email it to [email protected]

OR

• by post - using the pre-paid envelope included with your Offer.

Please make sure there's a clear calendar month between us receiving the signed Acceptance of Offer and the product transfer completing.

If we don’t receive your instructions within this time, the account will move to a variable rate in line with the mortgage terms, until the product transfer takes effect.

If you make a lump sum overpayment in the last 10 days before the fixed rate expires and we’ve received the Acceptance of Offer, we won’t apply an Early Repayment Charge.

You can change your mind about a product transfer at any point before the day the new product is due to take effect. Simply give us a call, we’ll cancel the product transfer and the account will move to a variable rate in line with the mortgage terms.