It’s not an uncommon scenario that as our mortgage comes to the end of a fixed rate period, our current lender will contact us with a ‘product transfer’ offer. As many of us are time-poor, it can be tempting to opt for the ‘easy’ fix – after all, the lender can quickly take care of things and transfer our borrowing to its new product.

But is it the best option? In this post we explore the differences between a product transfer vs. remortgaging your home, and which you should go for at the end of your term.

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