Interest rates can change at short notice — Lock in your new rate before your deal ends14 days left this month
Your Fixed Rate Is Ending?
Don't Overpay.
We'll compare your lender's offer against 90+ others — for free.
A better rate could reduce what you pay each month. See what you could save.
Savings Calculator
See What You Could Save
Many clients are shocked by how much they're overpaying. Check your numbers:
Don't Wait
Why You Need to Act Now
Rates Are Volatile
Interest rates can move at short notice. Locking in a rate early gives you certainty.
Lock In 6 Months Early
We can secure your rate now, even if your deal doesn't end for months. No risk, all upside.
SVR Costs Are Brutal
You may have moved onto your lender's Standard Variable Rate — and it could be costing you more.
We Work Fast
Most product transfers complete within 48 hours. We handle all the paperwork.
Simple Process
How It Works
Switching your deal is straightforward. Here's how it works:
Tell Us About Your Mortgage
2-minute form. We just need the basics.
2 minsWe Review Your Options
We check your lender AND 90+ others.
Same dayGet Your Recommendation
Clear advice on the best option for you.
Within 24hrsWe Handle Everything
Paperwork, lender calls, completion. Done.
48hrs typicalOur Process
What We Check For You
A product transfer is quick, but quick isn't always cheapest. Here's what we look at before you sign.
Your lender's renewal offer
We request and review the deal your current lender is offering you, including the rate, the term and any product fee attached to it.
The wider market
We compare that offer against deals from 90+ lenders, so you can see whether staying put is genuinely the best option for you.
The total cost
We factor in fees, not just headline rates. A lower rate with a large product fee can work out more expensive over a short deal period.
Savings depend on your current deal, the rates available at the time and your circumstances. We will always tell you if staying with your existing lender is the better option.
Know Your Options
Product Transfer vs Remortgage
Not sure which is right for you? Here's the breakdown:
Typically applies to straightforward product transfers; lender requirements can vary.
Not sure which is better? We'll check both and tell you honestly.
Transparent Pricing
Our Fees
If you stay with your current lender, we don't charge a fee. Simple.
If switching lender is better for you, our fee is clear upfront.
We receive commission from lenders. Always explained before you proceed.
Common Questions
FAQs
A product transfer means switching to a new deal with your existing lender. We will also assess whether remortgaging to another lender may be more suitable based on your circumstances.
Apply Wise Financial Ltd is an Appointed Representative of Scott & Goose LLP, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 661183.
Your home may be repossessed if you do not keep up repayments on your mortgage.