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Product transfer
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Complete a like-for-like switch at maturity
Change a product already in place
Review before maturity, or switch from SVR
Complete a like-for-like switch at maturity online
Help your client move to a new rate when their product ends
- Switch up to 3 months early with no ERCs
- Access exclusive existing customer products
- Earn a 0.30% procuration fee paid within 28 days of completion
- No affordability checks
- No valuation or legal fees
How it works
1. We contact you and your client
About 16 weeks before maturity, your client receives a letter with their unique reference code. We’ll also email you a list of your maturing clients so you can reach out in good time. From March 2026, where a transfer can be completed on our online portal, your email will also include the client’s unique code. If a transfer can’t be completed online, you can find more guidance further down on this page.
2. You recommend a new rate
Find a rate on our existing customer product range and generate your ESIS through your usual sourcing system.
3. You complete the transfer online
Log in and submit the transfer in just a few clicks - no paperwork required.
Not all product transfers can be submitted through the online portal. If your case falls outside this, scroll down to view the steps you need to follow.
Change a product already in place
Changing a product after you’ve submitted it?
Review our existing customer products and use our product transfer request form to update the transfer.
Review a product before maturity, or switch from SVR
Some product transfers can’t be completed through our online mortgage submission platform. If your client’s case falls into one or more of the scenarios below, you’ll need to use our product transfer request form instead.
- Reviewing a product that's not maturing in the next four months (and wants to switch early)
- Product doesn't have ERCs
- Has already matured onto SVR
- Has multiple loan parts
What you need to do
1. Find a product
Review our current existing customer products to find a suitable product for your client.
2. Submit your request
Once you have found a product, complete our online product transfer request form below, and provide a completed product transfer authority form to mortgage.services@newcastle.co.uk to progress the transfer.
For some changes, your client will need to speak to us directly
If they need help with porting, borrowing more, making an ownership or equity change, changing their repayment type, or if their account is more than one month in arrears, our Mortgage Contact Centre is here to support them on 0345 601 0014. The team is available Monday to Friday, 8am to 6pm.
Calls to 03 numbers cost the same as a standard landline call and are included in your mobile or landline minutes.
Mortgage Charter options for your clients
If your client needs to change their mortgage terms under the government’s Mortgage Charter, you can find out more here.
Help for clients who need extra support
Whether it's a life event or a health change, find out how we can help you support clients who need additional care.