Fast and Free Product Transfer Service | Deal Direct
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    Is you mortgage deal ending within 6 months?

    Switch to a NEW mortgage deal with your existing lender in as quick as 15 mins

    A simple alternative to a remortgage

     

    By staying with current lender means:

    • Easy to transfer to their latest deals
    • We'll switch you for FREE (no broker fees)
    • Takes as little as 15 mins (as not changing lender)
    • No credit checks or valuation
    • Bad credit accepted (if mortgage up to date)
    • Choice of latest fixed or tracker deals

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

    experience a 5 star customer service

    Quick and simple – takes just minutes

    It really can be this simple! By staying with your current lender we could transfer you to one of their latest mortgage deals for FREE – in as quick as 15 minutes.

    All you need to be able to see your new mortgage rate transfer options online within 2 minutes is your current Mortgage Account Number and a couple of other basic details.

     

    Why it’s WIN WIN with Deal Direct

    You can secure your new mortgage rate option with your current lender up to 6 months before your current deal expires. So, if rates were to increase, you’ve already secured a lower rate deal. And, if rates were to fall before your renewal, we constantly monitor and can swap you to the lower rate. So it really is WIN WIN!

    Our Product Transfer team are ready to talk you through the mortgage options available with your current lender and complete your new mortgage today.

    Call us on 0800 029 1671 to get started…
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    Live Mortage Help

    We’ve made getting the best mortgage deal fast and simple

    Why choose Deal Direct for your Mortgage Transfer

    • See your new mortgage options online in just minutes
    • We can do as fast, if not faster than going direct
    • Free service – No broker fees
    • Trusted by 1,000s of customers across the UK for over 18 years
    • Leading mortgage technology makes the process quick and simple
    • Want to compare the full mortgage market? We’ll do it for you!

    What our customers say…

    Efficient & professional service

    From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

    Jane R.
    5 Star via TrustPilot

    THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

    Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

    Mortgages

    • Overall cost for comparison: Estimated to be 6.70% APRC
    • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
    • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
    • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

    We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

    A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

    Secured Loans

    Representative example: Based on borrowing £20,000 over 60 months:

    • Interest Rate: 7.55% fixed for 60 months
    • Monthly instalments: £448.16
    • Fees: Broker fee (£2,000); Lender fee (£395)
    • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
    • Overall cost of comparison: 9.50% APRC
    • Loan terms: Minimum 36 months, maximum 360 months
    • Maximum APRC: 29%
    • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

    Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

    Your adviser will confirm all costs in writing prior to any application being made.

    Insurance

    £200,000 life cover at £9.67 per month

    Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

    Important Assumptions

    This quote is for illustrative purposes and assumes:

    • You are in good health with no adverse family medical history
    • You don’t regularly participate in hazardous sports or activities (more than once per month)
    • Your occupation is not classified as high risk
    • Premiums paid monthly by direct debit

    What’s Included

    £200,000 lump sum payment on death during the policy term
    Terminal illness cover (12-month prognosis)
    Fixed premiums for the full 25-year term
    No medical exam required for this coverage level (subject to health questions)

    Key Exclusions

    • Death resulting from excluded pre-existing conditions

    Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

    Commission Disclosure

    The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

    Our Services

    • We are not limited in the range of mortgages we will consider for you
    • We can offer advice on both first and second charge loans
    • We offer a comprehensive range of mortgages from across the market
    • Note: We do not offer deals that you can only obtain by going direct to a lender
    • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

    © 2025 Deal Direct Financial Solutions Ltd

    Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

    Why choose Deal Direct for your mortgage product transfer

    A trusted mortgage provider for over 18 years

    Deal Direct helps thousands of customers a year find new mortgage deals that ideally suit their financial goals.

    Our lender panel includes all the UK's leading mortgage lenders and we can help you switch to a new mortgage deal through your existing lender in as quick as 15 minutes.

    It's a free service from Deal Direct with no broker fees.

    Would I get a better deal if I go direct to my existing lender?

    No - we have access to the same mortgage products and also have access to exclusive mortgage offers available through us that may not be available by going direct. Our industry leading systems could also help process your request faster.

    One big benefit of choosing Deal Direct is our hugely popular free Digital Mortgage Tracker service. It automatically checks your mortgage deal monthly against the UK market and will email you if a better mortgage option becomes available to you though out the year.

    Why choose a Product Transfer

    Product Transfers require no credit check and no valuation - so can be completed with one quick one call to us. We take care of everything for you.

    A Product Transfer is simply a way of switching your current deal to a new one with your existing mortgage provider and choose to switch to a lower rate mortgage and reduce monthly repayments or to a better suited fixed or variable rate option.

    The mortgage amount you borrow will remain the same as your existing balance. If you wish to consolidate or borrow more form home improvements etc then you would require a remortgage.

    If you have a bad credit score - but have not missed mortgage repayments then you could still take advantage of a Product Transfer.

    The benefits of a product transfer are that because you are not switching lenders, and simply switching products with your existing mortgage provider, it can be done very quickly with very little paperwork.

    What's the process of a Product Transfer?

    Simply complete our quick form that takes just 2 minutes and we'll call you back within 30 minutes (during business hours) or call us on 0800 029 1671 with your existing mortgage account number.

    If you existing lender provides the option of a Product Transfer we can discuss the options with you and then process this straight away for you.

    Many mortgage lenders provide this option - but not all. If your specific lender does not provide this option we can provide the option of a remortgage for you and compare the mortgage market for a better mortgage deal for you.

    Once you have made your enquiry with us, we liaise with all the remortgage-related parties on your behalf. Our aim is to offer the highest levels of customer service to ensure that obtaining your new remortgage goes as smoothly as possible.

    Can I do a Product Transfer today?

    Yes - as there is no need for a valuation, a Product Transfer can be completed very quickly. Our customer service team are here to help you process your product Transfer today.

    Simply call our Product Transfer team on 0800 029 1671.

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