My Plan/Fitness Centre
Training Session · Intermediate · 8 min+40 Mortgage Fitness Unlocks: Transfer Savvy badge

Understanding Product Transfers

Not every mortgage review means changing lenders. Compare both routes side by side, play the decision game, and work out which one deserves a closer look in your situation.

Welcome

Your lender's offer isn't the only offer

If your current mortgage deal is coming to an end, your existing lender may offer you a new one. That's a Product Transfer. Understanding how it differs from a full remortgage helps you make an informed decision about what happens next — and avoids drifting onto the Standard Variable Rate.

Compare both routes fairly

Know when each one fits

Plan the timeline

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Financial Fitness for Home Ownership

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Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

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Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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Understanding Product Transfers · 8 min · +40 XP