# Should I remortgage or product transfer?

> Quick answer · Last updated 5 July 2026

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## In short

Remortgage to a new lender can access cheaper rates and free legals; product transfer is simpler if your lender's offer is competitive.

Start comparison 3–6 months before deal end.

Full remortgage needs affordability underwriting and credit check.

Portability matters if you may move home within the fix.

See compare mortgage deals and remortgage guide.

## Related

- [Compare mortgage deals](https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide/)
- [Remortgage guide](https://moneyguide.org.uk/mortgages/remortgage-guide/)

## Primary source

fca.org.uk/consumers/mortgages

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.