A rate switch — sometimes called a product transfer — means moving to a new deal with your existing lender. It can be a quick and simple way to avoid a higher rate, and I’ll help you check whether it really is the best option for you.
HOW I HELP
How a rate switch can help
Avoiding a higher rate
Moving to a new deal before you drop onto your lender’s standard variable rate.
A simpler process
Staying with your current lender often means less paperwork than a full remortgage.
A fair comparison
Comparing your lender’s offer against the wider market, so you know you’re making an informed choice.
Choosing the right product
Talking through fixed and tracker options and how long you’d like your next deal to last.
THE PROCESS
Step by step, together.
- 01
Check your dates
We confirm when your current deal ends and what your lender is offering.
- 02
Compare
I compare your lender’s options with alternatives elsewhere.
- 03
Recommend
You get a clear recommendation in plain English.
- 04
Arrange the switch
I help arrange your new product so it’s in place when you need it.
GOOD TO KNOW
Things to consider.
- Lenders often let you choose a new product a few months before your current deal ends.
- Your lender’s offer may not always be the most competitive option available.
- Product fees can affect whether a deal is better value overall.
- If you need to borrow more or change your mortgage, a remortgage may be more suitable.
GET IN TOUCH
Let’s talk about your next step.
Send an enquiry using the form, or get in touch directly by phone or WhatsApp.