Product Switch
The fast, low-hassle way to a new rate with your current lender.
A product switch (or product transfer) means moving to a new deal with your existing lender when your current one ends. It's usually quicker and simpler than a full remortgage — often with no new affordability check, valuation or legal work.
We'll always compare a product switch against remortgaging to another lender, so you can be confident you're getting the best available outcome, not just the most convenient one.
Key features
Fast & simple
No new legal work or valuation in most cases — just a new rate.
No affordability re-check
Often available without a fresh income assessment.
Compared fairly
We check it against the wider market to confirm it's your best deal.
Continuity
Stay with a lender you already know, with minimal paperwork.
Is this right for you?
This could be a great fit if:
- You're happy with your current lender
- Your deal is ending and you want a quick switch
- Your circumstances have changed and a full remortgage may be harder
- You want to avoid legal and valuation costs
Frequently asked questions
Is a product switch always cheaper?
Not necessarily. It's convenient, but another lender may offer a better rate. We compare both so you make an informed choice.
Do I need a new affordability check?
Usually not, which makes a product switch attractive if your income has dipped or your situation has changed.
How quickly can it complete?
Because there's little underwriting, a product switch can often be arranged in days rather than weeks.
You might also like
First-Time Buyer
Get on the property ladder with a plan built around your budget and deposit.
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Moving Home
Porting your current deal or arranging a new one — we'll compare both routes.
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Remortgage
Switch to a better rate, release equity or reduce your monthly payments.
Learn more →
Iuliana was very professional. Gave lots of advise to make the process as smooth as possible. As well as it was done very quickly. Highly recommended. Looking forward for remortgage!Gintarė Masaitienė · September 2021 28 clients recommend us
Before you accept it — two minutes on the phone?
Read us the rate your lender has offered and we'll tell you on the call whether it can be beaten. If it can't, we'll tell you that too.
