Knowledge Base •
Mortgage Product Switch & Product Transfers Guide
Welcome to our specialist guide on mortgage product switch in the UK. Compare internal rate switches across major UK banks. Switch deals without legal fees, property surveys, or credit checks.
Explore Product Pillars:
£0
Legal & Valuation Fees
10 Mins
Online Selection Time
6 Months
Advance Rate Lock Window
£400+
Typical Monthly SVR Savings
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
The Basics
First, master core product transfer rules. Specifically, compare internal switches against outside remortgaging, understand SVR risks, and discover high LTV transfer eligibility.
Pillar 2
Speed & Process
Next, navigate the rapid application journey. Specifically, review 24-hour processing timelines, MCOB affordability exemptions, and zero solicitor conveyancing requirements.
Pillar 3
Rates & Costs
Furthermore, compare true borrowing expenses. Crucially, analyze arrangement fee structures, rate parity rules, Early Repayment Charges, and major monthly SVR savings.
Pillar 4
Strategic Moves
In addition, deploy sophisticated refinancing strategies. Consequently, leverage 6-month rate lock windows, combine further advances, and streamline buy-to-let landlord portfolios.
Pillar 5
Specialist Hacks
Finally, uncover insider mortgage product transfer hacks. In practice, access broker retention exclusives, execute rate-drop re-bookings, and escape expensive SVRs immediately.
Specialist Product Switch Desk
Ready to Switch Your Mortgage Deal?
Simon Carr, Specialist Finance Expert, and our senior lending desk compare existing lender retention deals against whole-of-market remortgage options. Secure lower monthly payments without unnecessary fees.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.