ghl direct
  • About
    • Company
    • Client feedback
    • Vacancies
    • FAQs
    • Financial Guides
    • Financial Videos
  • Services
  • Mortgages
    • How To Get A Mortgage
    • First Time Buyers Mortgage
    • Remortgage Advice
    • Moving Home Mortgage
    • Buy To let Mortgages
    • Lifetime Mortgages
    • Conveyancing Steps
  • Insurance
    • Insurance Advice
    • Life Insurance
    • Critical Illness Insurance
    • Income Protection
    • Home Insurance
    • Protection Providers
  • Advisers
  • Contact Us
Book a call
Find adviser
mortgage

Product transfer or remortgage?

10/01/2025 GHL_ADMIN Comments Off on Product transfer or remortgage?

Product transfer or remortgage? If you want to stay on top of your mortgage repayments and ensure you’re getting the right deal for your circumstances then remortgaging is one of the most important financial decisions you can make.

But is it best to change to a new mortgage product with your current lender via a product transfer or look to remortgage with another provider?

She has gone above and beyond in helping us with mortgage advise. Found time for us when needed. Always Friendly and professional. She’s been amazing help

– Amy Ranford-Davis via reviews.co.uk

The reality is that there are advantages, disadvantages and differences to whichever route you choose to go down, which is why it’s essential to speak an experienced advisor who can guide you through the options available.

What is a remortgage?

A remortgage is when you replace your current mortgage with one from another lender. This is often done when your existing deal has come to an end, and you’re attempting to find a better deal than your current lender can offer.

What is a product transfer?

A product transfer involves switching to a new mortgage deal, often one with a different interest rate, or one fixed for another set period of time, with your current lender.

Should I stay with my existing lender or move to a new one?

When your mortgage comes to an end, it’s always a big decision to work out what your next move should be.

It may be that a product transfer onto a deal with a fixed interest rate for a longer period offers the kind of financial certainty that best suits your needs. Or it could be that remortgaging with a different rate, a different amount and a different term, offers the flexibility you require.

Staying with your current lender may feel like the saftest option when your mortgage comes to an end, but that’s no guarantee that you’ll be getting the right deal. That’s why we recommend shopping around to find a mortgage that’s fits you.

Take the weight off your shoulders with specialist help

The most important element of the process is that you’re armed with the information you need to make the right decision for you. Which is where we come in.

As mortgage experts, we have access to a wide range of lenders and can look at the options available to you including any new deals from your current lender as well as make sure you don’t end up on their standard variable rate, which tends to be higher than the rates on most other options. So, make sure you don’t leave this big financial decision until the last minute.

We will talk you through all the pros and cons of a both a remortgage and a product transfer. Working hand-in-hand with you, we will assess all your options and help you make the right choice for you and your individual circumstances.

Find a mortgage

Book a no obligation chat today.

Book a call

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 10/01/2025.

  • find a mortgage
  • how to get a mortgage
  • mortgage broker
  • product transfer
  • remortgage
GHL_ADMIN

Post navigation

Previous
Next

Search

Categories

  • insurance (2)
  • mortgage (10)

Recent posts

  • first-time-buyers-options
    Considerations for a first-time buyer
  • first-time-buyers-deposit
    First time buyers guide to saving for a deposit
  • critical illness insurance
    Do You Need Critical Illness Insurance If Your Mortgage Is Paid

Tags

critical illness insurance find a mortgage first time buyer mrtgage how to get a mortgage insurance adviser life insurance mortgage broker Mortgage in principal mortgage rates product transfer remortgage

Continue reading

first-time-buyers-options
mortgage

Considerations for a first-time buyer

26/03/2025 GHL_ADMIN Comments Off on Considerations for a first-time buyer

We’ve put together some ideas to try and take away some of the stress and confusion and give you confidence to move through the home buying process as smoothly as possible.

first-time-buyers-deposit
mortgage

First time buyers guide to saving for a deposit

26/03/2025 GHL_ADMIN Comments Off on First time buyers guide to saving for a deposit

We’re here to help you on where you can save and invest your money towards your deposit, provide you with financial advice to make sure your savings and investments are working for you and advise you on how much you can borrow for a mortgage

critical illness insurance
mortgage, insurance

Do You Need Critical Illness Insurance If Your Mortgage Is Paid

14/03/2025 GHL_ADMIN Comments Off on Do You Need Critical Illness Insurance If Your Mortgage Is Paid

Even if your mortgage is paid off, critical illness insurance can still offer valuable financial protection.

Continue reading

first-time-buyers-options
mortgage

Considerations for a first-time buyer

26/03/2025 GHL_ADMIN Comments Off on Considerations for a first-time buyer

We’ve put together some ideas to try and take away some of the stress and confusion and give you confidence to move through the home buying process as smoothly as possible.

first-time-buyers-deposit
mortgage

First time buyers guide to saving for a deposit

26/03/2025 GHL_ADMIN Comments Off on First time buyers guide to saving for a deposit

We’re here to help you on where you can save and invest your money towards your deposit, provide you with financial advice to make sure your savings and investments are working for you and advise you on how much you can borrow for a mortgage

critical illness insurance
mortgage, insurance

Do You Need Critical Illness Insurance If Your Mortgage Is Paid

14/03/2025 GHL_ADMIN Comments Off on Do You Need Critical Illness Insurance If Your Mortgage Is Paid

Even if your mortgage is paid off, critical illness insurance can still offer valuable financial protection.

Appointments
Monday - Friday 08.00 - 19.30
Saturday - Sunday 09.00 - 18.30
Head Office 0845 3700 172
GHL Direct

GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approved by The Openwork Partnership on 20/01/25. Registered in England no 6705790
Registered Office: Brightfield Business Hub, Bakewell Road, Orton Southgate, Peterborough PE2 6XU.

© Copyright 2025 GHL Direct

  • Terms & Conditions
  • Privacy Policy
  • Data Request