Proud partner of Team GB.

Get your product transfers done in minutes


Your customers could secure a new mortgage with NatWest six months before their current deal ends.

Why choose us?

You can secure a new rate for your customer six months before their current deal ends.

Quick, straight forward processing. There is no additional underwriting for standalone product transfers.

Ability to change the product before completion.

Customers can apply for Additional Borrowing at the same time (subject to underwriting).

Product transfer eligibility

Available for residential and Buy to Let customers who are:

  • Within their roll-off period (six calendar months before end date). 
  • On a standard variable rate (SVR).
  • Within the track and switch eligibility period on a tracker rate. 
  • The minimum loan amount to secure a new rate is £10,000.
  • More than 27 months term remaining at the date of applying for their product switch (end date of product must be before end date of mortgage).

Customers will need to contact us directly where they: 

  • Want to exit an existing deal ahead of the roll-off period. 
  • Want to change their mortgage term or repayment type.
  • Are in mortgage arrears. 
  • Have more than five sub accounts.

Application process

  1. Log in to our website.
  2. Enter the customer’s details: Mortgage Account number, Surname, Property Postcode and Date of Birth.
  3. The HPI and Current Valuation figures are available on screen and the higher of these figures is used to calculate the LTV. If the valuation figure is not showing then you must call us to get this updated.
  4. If the customer is eligible to switch you will be able to choose a new deal from our products page, confirming that your customer is happy to proceed.
  5. Once you have finished the application, the next steps will be displayed on the screen. In some circumstances, documents may take up to five working days to be emailed over to the customer and yourself.  If this is the case then the on screen guidance will tell you this.
  6. Customers must accept the offer within 14 calendar days as the system will automatically cancel the application after this time.
  7. Once the acceptance has been received, the new rate will take effect either when the existing fixed rate expires, or where the existing rate has already expired as soon as possible after this has been received.

Where there is more than one sub-account switching with different product expiry dates, these will be keyed as separate applications. We’ll send the paperwork for the sub-account that is due to expire first and once the rate is live on that sub-account, we’ll then send the paperwork for the next sub-account(s).

Valuations and procurement fees


  • When you log in to apply for a product transfer, you will see the current valuation and also the HPI.
  • We will use the higher of the valuation or the HPI to calculate the Loan to Value.
  • Customers can request a standard valuation where they choose to do so. There is a fee applicable for this. The customer will need to call 0345 302 0190 (Relay UK: 18001 0345 302 0190) to arrange this. If a standard valuation is required, this can add additional time to the process.

Procurement fees

  • Product Transfer: 0.20% gross (both DA and AR firms).


FAQs relating to the product transfer process:

FAQs continued

FAQs relating to the product transfer process:

Application updates and help

You can call our Broker line on: 0345 600 0205 (Relay UK: 18001 0345 600 0205) for an update on your customer's application.

The line is open Monday – Friday, 9am to 5pm.

System support: Contact the BDA Team via phone or LiveTALK.