How much could I save?
Stay with your lender, or move? What actually decides it.
When a deal ends you have two routes. A product transfer keeps you with your existing lender on a new rate, and depending on the lender and what you are asking for it can be the simpler of the two, sometimes without a fresh affordability assessment. A remortgage moves you to a different lender, which opens up the rest of the market but normally means underwriting and legal work.
The rate on its own rarely settles it. A product fee, a valuation and legal costs all sit alongside the rate, and the lowest headline figure is not always the lowest total cost over the period you care about. If you are still inside a deal, an early repayment charge can outweigh whatever switching would save. And if you want to borrow more at the same time, that often changes which route is appropriate rather than simply adding to the amount.
Neither option is better in the abstract. We compare both on total cost for your circumstances — and if you want the full detail first, we have set it out in our guide on product transfer or remortgage.
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Initial consultation is always free — no obligation, no hard sell.
Founder of the firm. Based in Lesmahagow, Phil advises clients throughout Scotland on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.
Based in Renfrew, Dougie advises landlords and complex-case clients throughout Scotland. An experienced adviser and property investor in his own right.
Mortgage advice across Scotland.
We advise clients anywhere in Scotland — including Fort William, Oban and the surrounding areas — with appointments normally carried out by telephone. Initial enquiries are always free.
Questions answered honestly.
Find out exactly how much you could save.
Fill in the short form below and one of our advisers will be in touch within 2 hours Mon–Fri. Free initial consultation, no obligation.
Where are you up to?
This helps us prepare before we call you back — there are no wrong answers.
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