Residential product transfers

PT with us. It really works out. 

We share the heavy lifting, you get the gains.

Fit

#
We offer rates as good as or better than the equivalent products offered to new customers.

Flexible

#
Secure a deal four months in advance.

Fulfilling 

#
We pay 0.3% proc fee on all completed product transfers.

Fast

Complete eligible like-for-like transfers online, in as little as 15 minutes with no need for a customer signature
#
You can complete eligible like-for-like transfers fast, in as little as 15 minutes, with no need for a customer signature. When maturities come around, we’ll keep it fair and write to you before we write to customers. 
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Rate type

EPC Rating

Repayment type

Product LTV

Product fee

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Features

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The rate at which your mortgage interest payments are calculated.
Follow on rates are linked to our Standard Variable Rate, and will rise and fall in line with changes to it.
The rate at which your mortgage interest payments are calculated.
The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes (e.g. Standard Variable Rate (SVR)).
This is the fee charged on some of our mortgage products.
1 product matches the code you've entered
0 product match the code you've entered

FRE15
4.74% Fixed to 31.12.28

Current rate

4.74%

Max LTV

75%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE42
5.48% Fixed to 31.12.31

Current rate

5.48%

Max LTV

95%

Product fee

£0
ERC
Valuation inc.
Cashback

OI528
Offset Interest-only Fixed rate to 31.12.31

Current rate

5.10%

Max LTV

50%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE26
4.89% Fixed to 31.12.29

Current rate

4.89%

Max LTV

65%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE36
4.89% Fixed to 31.12.31

Current rate

4.89%

Max LTV

75%

Product fee

£0
ERC
Valuation inc.
Cashback

FRD90
5.44% Fixed to 31.12.29

Current rate

5.44%

Max LTV

95%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE23
5.48% Fixed to 31.12.28

Current rate

5.48%

Max LTV

100%

Product fee

£999
ERC
Valuation inc.
Cashback

OFI62
Offset 5.00% Fixed rate to 31.12.28

Current rate

5.00%

Max LTV

65%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE37
4.86% Fixed to 31.12.31

Current rate

4.86%

Max LTV

85%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE13
4.61% Fixed to 31.12.28

Current rate

4.61%

Max LTV

65%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE24
5.68% Fixed to 31.12.28

Current rate

5.68%

Max LTV

100%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE34
4.79% Fixed to 31.12.31

Current rate

4.79%

Max LTV

65%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE40
5.08% Fixed to 31.12.31

Current rate

5.08%

Max LTV

90%

Product fee

£0
ERC
Valuation inc.
Cashback

OFI63
Offset 5.24% Fixed rate to 31.12.28

Current rate

5.24%

Max LTV

65%

Product fee

£0
ERC
Valuation inc.
Cashback

OFI68
Offset 5.22% Fixed rate to 31.12.31

Current rate

5.22%

Max LTV

75%

Product fee

£999
ERC
Valuation inc.
Cashback

FRD93
5.83% Fixed to 31.12.29

Current rate

5.83%

Max LTV

100%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE21
5.38% Fixed to 31.12.28

Current rate

5.38%

Max LTV

95%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE35
4.77% Fixed to 31.12.31

Current rate

4.77%

Max LTV

75%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE18
5.06% Fixed to 31.12.28

Current rate

5.06%

Max LTV

85%

Product fee

£0
ERC
Valuation inc.
Cashback

OFI69
Offset 5.34% Fixed rate to 31.12.31

Current rate

5.34%

Max LTV

75%

Product fee

£0
ERC
Valuation inc.
Cashback

IO600
Interest-only Fixed to 31.12.28

Current rate

4.61%

Max LTV

50%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE22
5.58% Fixed to 31.12.28

Current rate

5.58%

Max LTV

95%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE32
5.43% Fixed to 31.12.29

Current rate

5.43%

Max LTV

90%

Product fee

£0
ERC
Valuation inc.
Cashback

OFI66
Offset 5.10% Fixed rate to 31.12.31

Current rate

5.10%

Max LTV

65%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE19
4.98% Fixed to 31.12.28

Current rate

4.98%

Max LTV

90%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE29
4.99% Fixed to 31.12.29

Current rate

4.99%

Max LTV

85%

Product fee

£999
ERC
Valuation inc.
Cashback

IO601
Interest-only Fixed to 31.12.31

Current rate

4.66%

Max LTV

50%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE16
4.96% Fixed to 31.12.28

Current rate

4.96%

Max LTV

75%

Product fee

£0
ERC
Valuation inc.
Cashback

FRD91
5.73% Fixed to 31.12.29

Current rate

5.73%

Max LTV

95%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE27
4.82% Fixed to 31.12.29

Current rate

4.82%

Max LTV

75%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE33
4.66% Fixed to 31.12.31

Current rate

4.66%

Max LTV

65%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE43
5.53% Fixed to 31.12.31

Current rate

5.53%

Max LTV

100%

Product fee

£999
ERC
Valuation inc.
Cashback

OFI67
Offset 5.23% Fixed rate to 31.12.31

Current rate

5.23%

Max LTV

65%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE17
4.82% Fixed to 31.12.28

Current rate

4.82%

Max LTV

85%

Product fee

£999
ERC
Valuation inc.
Cashback

FRD92
5.54% Fixed to 31.12.29

Current rate

5.54%

Max LTV

100%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE20
5.27% Fixed to 31.12.28

Current rate

5.27%

Max LTV

90%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE30
5.14% Fixed to 31.12.29

Current rate

5.14%

Max LTV

85%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE28
4.99% Fixed to 31.12.29

Current rate

4.99%

Max LTV

75%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE38
4.99% Fixed to 31.12.31

Current rate

4.99%

Max LTV

85%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE44
5.58% Fixed to 31.12.31

Current rate

5.58%

Max LTV

100%

Product fee

£0
ERC
Valuation inc.
Cashback

OFI64
Offset 5.12% Fixed rate to 31.12.28

Current rate

5.12%

Max LTV

75%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE14
4.82% Fixed to 31.12.28

Current rate

4.82%

Max LTV

65%

Product fee

£0
ERC
Valuation inc.
Cashback

FRE31
5.18% Fixed to 31.12.29

Current rate

5.18%

Max LTV

90%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE41
5.43% Fixed to 31.12.31

Current rate

5.43%

Max LTV

95%

Product fee

£999
ERC
Valuation inc.
Cashback

OI527
Offset Interest-only Fixed rate to 31.12.28

Current rate

5.00%

Max LTV

50%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE25
4.69% Fixed to 31.12.29

Current rate

4.69%

Max LTV

65%

Product fee

£999
ERC
Valuation inc.
Cashback

FRE39
4.96% Fixed to 31.12.31

Current rate

4.96%

Max LTV

90%

Product fee

£999
ERC
Valuation inc.
Cashback

OFI65
Offset 5.34% Fixed rate to 31.12.28

Current rate

5.34%

Max LTV

75%

Product fee

£0
ERC
Valuation inc.
Cashback

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Your client's application

Product transfers can be secured up to four months in advance of the product maturity date. For like-for-like product transfer please submit your case through our online portal. You can still use our standard application process for everything else.

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