Product transfers
A simple solution for clients whose fixed rate is coming to an end. Now available with additional borrowing and overpayments.
100%
online
Instant
decision
Automated
valuation
Zero
legal fees

Product transfers made simple
- Simple, quick, and easy
Apply for a product transfer in minutes. Switching is straightforward, with the added flexibility of overpayments and additional borrowing. Please note certain properties will require a physical valuation.
- Flexible and competitive
Take advantage of competitive rates across all product types with a straightforward product switch. Whether your client has an HMO, MUFB or Standard property, we’ve got you covered.
- Seamless transition
If your client has a mortgage with us that expires within the next 90 days, they can transition smoothly to a new deal. All product transfers come with a 0.35% procuration fee and are subject to a £99 application fee.
VIDEO
Product transfers in action
See how easy it is to switch your client over to a new product with our handy 90-second demo.
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Frequently asked questions
- What is the procuration fee for a product transfer
Every product transfer has a 0.35% procuration fee.
- What fees are applicable for a product transfer?
The application fee for product transfers is £99. If a physical valuation is required, the borrower will be responsible for the costs. For more information on product transfer valuation criteria, please see here.
- How do you value properties using a product transfer?
We run automated property valuation by default for standard properties. If you are not happy with the results, you can request a physical valuation. For MUFB and HMO cases completed more than two years ago, we will need to conduct a physical valuation.
In all cases where the RIC’s valuation on the existing case is older than 7 years, we will require a full valuation.
- What cases can apply to a product transfer and when?
Product transfers apply to fixed-rate cases which are within 90 days of coming to the end of the fixed period. Tracker product cases which have reached completion. Plus, no more than 7 years have passed since the physical valuation.
- If I’m not the original broker, can I still do a product transfer for the borrower?
Yes. There is a process for the borrowers to confirm they allow you to own the product transfer.
- Can I overpay on a product transfer?
Yes, you can overpay. This is available within our portal, allowing you to overpay simultaneously with the product transfer completion. Please visit here for more information.
- Can I apply for additional borrowing with a product transfer?
Yes, you can request additional borrowing subject to new valuation, LTV and ICR calculations. Again, this can be facilitated within our portal.

Want to find out more?
Choose Landbay today and you’ll find experts at the end of the line, smart technology designed for you, and fast decisions you can count on.