Testmonials
Enquiry Form
Get in Touch with Us for Personalized Finance Assistance
Product Transfer (Rate Switch) - Better Rates Without the Hassle
Your current mortgage rate is ending soon-and what you do next could save (or cost) you thousands. While staying with the same lender might seem like the easy option, the real value lies in how you approach it.
At Nachu Finance, we offer transparent, whole-of-market advice even when the decision is to stay with your current lender. We don’t just help you tick a box-we help you get the most out of your mortgage.
What Is a Product Transfer?
No valuation needed
No solicitor involvement
Minimal paperwork
No impact on your credit file
It’s a smooth process—but getting the timing, product choice, and strategic advice right can still make a big financial difference.
Why Advice Still Matters—Even When Staying with the Same Lender
Whole-of-Market Comparison
Just because your lender offers a set of rates doesn’t mean they’re the most competitive.
We’ll check what other lenders are offering at the time, and help you decide if moving to a new lender could lead to a better overall outcome. Our advice is based on a full-market review, not just what’s in front of you.
You won’t be flying blind—and you won’t be paying more for convenience.
We also assess your readiness to remortgage by reviewing how mortgage-friendly your current circumstances are in relation to lenders’ criteria. This includes looking at your credit score, expected property valuation, income and outgoings for affordability calculations, and any other factors that may impact your application. Sometimes, while better rates may be available elsewhere, a remortgage may not be practical or achievable at that moment—and we’ll give you clear, honest guidance either way.
We Monitor Rates Throughout Your Window
Most lenders allow you to lock in a new rate 2 to 6 months before your current deal ends. But rates change frequently—even weekly.
At Nachu Finance, we continue monitoring your lender’s rates during this window and proactively rebook a better rate if one becomes available. Often, we’ve helped clients secure better rates 4–6 times in a single window—saving thousands over the term.
Real-Life Case Study: One Decision, Many Opportunities to Save
-
5 July: 4.81%
2 August: 4.57%
22 August: 4.37%
5 September: 4.25%
2 October: 4.08%
-
Total rate improvement: from 4.83% to 4.08% (0.75% savings)
Result: On a mortgage of £318,000, this saved the client £4,770 over the 2-year fixed term
Client effort: Minimal—just quick approvals
A Relationship, Not Just a Transaction
We think beyond the rate – holistic financial conversations, not just transaction processing
Is your protection still fit for purpose? – reviews on life cover, critical illness, income protection. Read about the importance of placing life insurance under a trust
Are your estate plans in place? – Wills, Trusts, and IHT planning support
Can you pay off your mortgage sooner? Read about overpayment strategies
You won’t get this depth of conversation from an online form or lender portal.
We’re Already Thinking Ahead for You
Six months before your current deal ends, we’ll reach out to review your plans. Whether you’re staying, moving, or need a more flexible setup, you’ll get personal advice and preparation—not just a generic letter.
We stay on top of timelines, lender criteria, and your circumstances—so you don’t have to.
Clear Advice, Not Tick-Box Risk
If you choose a deal directly with your lender, you may need to confirm you are not receiving any advice—leaving you to decide what’s best.
At Nachu Finance, we offer a fully advised service. You can be confident that the recommendation you follow is tailored to your situation, goals, and repayment preferences—clearly explained, and retained for your peace of mind.
Optimising Your Loan-to-Value for Better Rates
As part of our advice, we also help you understand how mortgage overpayments can influence the rate you’re eligible for. In many cases, clients are just above a key loan-to-value (LTV) threshold—for instance, sitting at 62% when 60% LTV would unlock better rates and lower monthly payments.
We provide worked examples tailored to your circumstances, showing how a small overpayment—made before locking in your new rate—could help you access more competitive deals. This means you can make an informed decision on whether the short-term cost of overpaying is worth the long-term saving.
Making Unlimited Overpayments at the End of Your Fixed Term
Most lenders impose an annual overpayment limit—commonly 10% of your outstanding balance—during the fixed-rate period. However, when your fixed rate comes to an end, you typically have the option to make unlimited overpayments without breaching this limit.
While this overpayment must usually be made directly with the lender, we help facilitate and guide the process. We’ll advise you on timing, method, and impact—so you can take full advantage of this window and reduce your mortgage balance in the most efficient way.
We Don’t Just Help You Switch—We Help You Switch Smarter
Here’s what you can expect when working with us:
Save more with smarter timing – proactive rate monitoring to help you catch better deals during the transfer window
Know you’re doing the right thing – fully advised service with documented suitability
Make decisions with confidence – whole-of-market comparison before any recommendation
Stay informed, not surprised – we guide you 6 months before your renewal date
Pay nothing extra – our product transfer service is free to you; we’re paid by the lender
We’re here to make the process work harder for you, not just make it easier.
Engage Us for Advice, Not Just a Second Opinion
From time to time, prospective clients—especially those new to Nachu Finance—reach out to ask whether we can offer a better rate than what their current lender is showing online.
At Nachu Finance, we’re happy to offer a fee-free, value-added product transfer service, including a full-market comparison, ongoing rate monitoring, and advice on related areas like insurance and estate planning. However, this service is built on the understanding that if staying with your current lender is the best option, you complete that process through us.
Our model is not designed to be used purely as a rate-checking tool. The time we invest in researching and advising makes business sense only when there is genuine engagement with our recommendation—regardless of whether it results in switching lenders or staying with the current one.
If you’re unsure how to shop around effectively or want to understand why our role goes far beyond being a comparison site, read our blog on why upfront rates don’t tell the whole story.
We hope this reinforces our transparent, relationship-based approach to advice.
Our Transparency Promise
We Don’t Cut Corners, and Neither Should You
Choosing a new rate—even with the same lender—might seem like a simple task. But when you’re making decisions about your mortgage, your home, and your long-term finances, proper advice matters.
At Nachu Finance, we take the time to understand your circumstances, plans, and financial goals—because every recommendation we make must be the right one for you.
That means:
- We’ll ask questions your lender might not
- You’ll spend a little time sharing the relevant details
- We’ll record a proper audit trail of advice
We fully acknowledge that working with us takes more time and effort than selecting a rate online or by phone—but our clients consistently tell us the outcomes are worth it.
When it comes to your future, we’d rather take the slightly longer route that leads to a better destination.
Let’s Secure You a Smarter Deal
Whether you’re 6 months away from your current rate ending or just weeks from making a decision, this is your window of opportunity—and we’re here to help you make the most of it.
Contact Nachu Finance today
✔️ Fee-free product transfer advice
✔️ Clear, whole-of-market guidance
✔️ Proactive support until your new deal is in place
✔️ A conversation that covers more than just the rate
Let’s make this product transfer the most valuable switch you’ve ever made.
