Compare staying with Halifax on a product transfer (rate swap) against switching to another lender across 90+ UK mortgage providers, based on your personal circumstances and total costs.
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Free Initial Consultation
Share a few quick details below. We do not need your mortgage balance, income figures, or documents to arrange an initial conversation, and no credit check is carried out when you enquire.
Product Transfer vs Remortgage
When your fixed or introductory rate is coming to an end, your current lender will usually invite you to choose a new rate from their retention range (often called a product transfer or rate swap). Before accepting a headline rate automatically, an adviser can compare both routes for you:
Switching to a new deal with your existing lender on a like-for-like balance and term can often be arranged without a new legal process or physical property valuation. We can check your current lender’s retention products and explain how arrangement fees affect the true cost over the fixed period.
Moving to another lender from our panel of 90+ UK providers may offer a more competitive total cost or allow you to adjust your mortgage term, release equity, or change how your income is assessed. We weigh any switching costs against the potential savings before making a recommendation.
Independent Broker Status: Anderson Reed Financial Services Ltd is an independent mortgage broker and an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 947349 / 441505). We are not affiliated with or endorsed by the individual lenders shown on this page; official lender marks are used solely to help you identify your existing mortgage provider.
Fee Disclosure: Initial consultations are free of charge. We charge a fee for mortgage advice, and our standard fee is £695. Any recommendation is subject to a full assessment of your personal and financial circumstances and lender underwriting criteria.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.
We charge a fee for mortgage advice, and our standard fee is £695.
Anderson Reed and Anderson Reed Financial Services are trading names of Anderson Reed Financial Services Ltd, an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 441505) and is entered on the Financial Services Register under reference 947349. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
We charge a fee for mortgage advice, and our standard fee is £695.
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender or lenders that provide suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
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