Remortgaging & Product Transfers

Your mortgage doesn’t have to stay the same for its entire term. Whether your fixed rate is ending, you want to reduce monthly payments, release equity, or simply secure a more competitive deal, CP Mortgage Solutions can help you make the most of your options. With independent advice and access to over 180 lenders, we’ll compare a wide range of remortgage and product transfer choices to find the right solution for you.

Reviewing Your Mortgage Can Save Money and Improve Flexibility

As your circumstances change, your mortgage should keep pace.


We’re here to help you review your existing deal and explore options that support your financial goals both now and in the future.


We’ll help you understand:

  • Whether your current lender’s product transfer is competitive
  • If remortgaging to a new lender would save money
  • How much you could reduce your monthly repayments
  • Whether borrowing more is possible for home improvements or consolidation
  • How changes in income or property value affect your options


With our guidance, you won’t just switch for the sake of it - you’ll switch with purpose.

Clear, Stress-Free Guidance From Start to Finish

Switching mortgages can feel complicated, but we make the process simple and transparent.


We’ll analyse your current deal, explain your choices clearly, and provide a full cost-benefit breakdown so you know exactly what each option means.


Here’s how we help:

  • Reviewing your existing mortgage terms
  • Comparing lender deals and incentives
  • Handling all paperwork and communication
  • Managing timelines to avoid moving to a costly SVR
  • Ensuring your new deal aligns with your long-term plans


Our market insight and negotiation strength mean you benefit from clear guidance and competitive solutions - without the stress.

Remortgaging & Product Transfer FAQs

  • 1. When should I start looking for a new mortgage deal?

    Most lenders allow you to secure a new rate up to 6 months before your current one ends. Starting early helps you avoid moving onto a higher standard variable rate (SVR).

  • 2. What’s the difference between a remortgage and a product transfer?

    A remortgage involves switching to a new lender; a product transfer keeps you with your existing lender but moves you to a new rate. We’ll compare both to see which offers better value.

  • 3. Can I borrow extra when remortgaging?

    Yes - many clients remortgage to raise funds for home improvements, consolidating debt, or major purchases. We’ll check your eligibility and ensure the costs make sense long-term.

  • 4. Will remortgaging affect my credit score?

    A full application will appear on your credit file, but the impact is usually minimal. We’ll advise on the best timing and approach.

  • 5. Is it worth switching even if my lender offers a product transfer?

    Sometimes yes, sometimes no. A product transfer can be convenient, but another lender may offer a significantly better rate. We compare both options so you get the best outcome.