Product transfer (mortgage)
A product transfer is switching to a new mortgage deal with your existing lender, rather than remortgaging to a different lender.
Last verified: 30/05/2026
Definition
A product transfer is when you stay with your current lender and switch onto a new rate or product with them. It’s often discussed as an alternative to remortgaging.
Why it matters
Product transfers can be simpler than moving lender, but requirements vary by lender and circumstances (for example, whether new checks are needed).
Related terms
- SVR
- Arrangement fee