Mortgages

Should I remortgage or product transfer?

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In short: Remortgage to a new lender can access cheaper rates and free legals; product transfer is simpler if your lender's offer is competitive.

Content updated: 5 July 2026

By the Money Guide editorial team · Editorial responsibility: Kaiser Khan, Editorial Director · How we check facts

Start comparison 3–6 months before deal end.

Full remortgage needs affordability underwriting and credit check.

Portability matters if you may move home within the fix.

See compare mortgage deals and remortgage guide.

Primary source: moneyhelper.org.uk/en/homes/buying-a-home/remortgaging-to-cut-costs

Part of our Mortgages & first homes

This quick answer sits inside our wider mortgages & first homes hub — with sub-guides, calculators and step-by-step explainers on the same topic.