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A product transfer mortgage in York allows you to switch to a new mortgage deal with your current lender, typically without needing to switch lenders or undergo a complex application process.
This option is ideal for borrowers who are satisfied with their existing lender but want to secure a more competitive rate or change their mortgage terms.
The process involves discussing new mortgage options offered by your current lender before the end of your fixed term.
You can explore deals like fixed-rate, tracker, or offset mortgages to suit your evolving financial needs.
Your lender will assess your affordability, but as you’re staying with the same provider, the process is usually more straightforward than a remortgage.
A mortgage broker in York can help you compare your current lender’s product transfer deals with remortgaging options from other providers.
This ensures you secure the most suitable rate for your circumstances.
Additionally, brokers handle the process, making it seamless and saving you time while potentially reducing your monthly payments or overall mortgage term.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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67 5 Star Reviews
Ashlynn Hudson-Welburn
Chris Wardill was fantastic. Took all the stress out of the process, advising us and doing a significant amount of the admin and research that our house buying endeavour required. He was very amicable and knowledgeable, and made the process very straightforward for us.
20 Sep 2026
Jenny
Alex, my adviser, provided a very helpful and friendly service throughout my mortgage application. Communication was excellent, and I was kept fully informed of the progress at every stage. I genuinely think that Alex wants to find the best deal for his customers and was willing to put in the time and effort to achieve this. He was also flexible with appointments and phone calls, working around my availability, which made the process easier. I would definitely recommend Alex to anyone looking for a knowledgeable, helpful and approachable mortgage adviser.
3 Sep 2026
Chris Hall
We had excellent service from YorkMoneyman. From start to finish. Conor.Paula and Jo did a really great job for us. Explained everything so well and got us the deal we required quickly . Won't hesitate to use them again.
28 Aug 2026
Kirsty Ribeiro
Fantastic service with MoneyMan and specifically Chris and Jo We have used them since being first time buyers and remortgaging, and now with moving house They are very professional, friendly and helpful, they explain everything in plain English and answer all our questions quickly and have helped explain everything every step of the way, and made it very clear everything that is needed and why and all our options and the pros and cons of each I have recommended Moneyman to friends and family and will continue to use them again and again in the future
19 Aug 2026
Alasdair Hamilton
I haven't given 5 stars because I don't believe that anything is perfect. But I can say that I received excellent service and great communication. Our house purchase was not straightforward but the mortgage application was made simple.
29 Jun 2026
Hannah Ellam
jade and joe were great - super helpful and made the process easy for us as first time buyers:)
29 Jun 2026
Marvin van Schalkwyk
Dan was helpful, professional, and explained every step on our application clearly.
9 Jun 2026
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Start with a free initial mortgage review to discuss whether a product transfer or remortgage is the most suitable option to match your financial goals.
We compare thousands of deals, including product transfer options with your current lender and remortgage offers from other providers, to ensure you get the best value.
Once you’ve decided on your preferred deal, we’ll manage your product transfer or remortgage application, streamlining the process with your lender.
On completion, your new product transfer or remortgage deal will take effect, with our team ensuring everything transitions smoothly.
We offer a free initial mortgage review to help you explore whether a product transfer or remortgage could save you money or better suit your needs.
Our expert mortgage advisors in York take the time to understand your situation, providing clear guidance with no obligation.
With access to thousands of deals, including product transfer options and remortgage offers, we can compare rates and terms to find the right solution for you.
Our comprehensive search ensures you won’t miss out on a competitive deal.
From your initial enquiry to the completion of your new mortgage deal, we’re dedicated to making the process as simple and stress-free as possible.
Our friendly, professional team is here to guide you every step of the way.
Our team is available seven days a week, so you can get advice and support at a time that suits your busy schedule.
We’re here to ensure your questions are answered and your mortgage journey stays on track.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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