Why a product transfer could benefit both you and your clients

We're committed to supporting you and your clients at maturity, that's why we offer your clients the same rates and same service as our direct customers.

• Product transfers can be secured up to four months in advance of the product maturity date
• It’s simple to transfer; you can now call us for customer authority, information and to request an illustration
• Transferring keeps the costs down – there are no legal costs or valuation fees. Many of our products are also fee free
• No underwriting for like-for-like product transfers*.

  *Buy to let Product transfers will be subject to rental stress testing at the applicable rate if:

  • The current product is a fixed rate with a scheme period of 5 years or longer,
    
    and
  • The selected scheme period is shorter than the scheme period remaining on the current product
• We pay proc fees of 0.30% on all product transfers.

Its simple to apply

Product exceptions

• If your client has four or more mortgaged buy to let properties and is therefore a portfolio Landlord, they must select from our portfolio landlord product range.

To discuss any cases, call us on 0800 121 7788 or refer to our Buy to let product selection guide (PDF 367KB)Opens in a new window.

Our products

We have a separate product transfer guide where you can view all of our product transfer range.

Buy to let Product transfers will be subject to rental stress testing at the applicable rate if:

• The current product is a fixed rate with a scheme period of 5 years or longer,
  
  and
• The selected scheme period is shorter than the scheme period remaining on the current product

Use our Buy to Let calculator.

Note: Product transfers from 5 year fixed rate products (or longer) to products with less than 5 years will be subject to a stress test at the applicable reference rate.

• Standard residential products
• Buy to let products
• Portfolio landlord products
• Offset products

If you have a client who doesn’t meet our lending criteria for our standard product range, call us on 0800 121 7788.

Don’t forget you can always give us a call, our support teams are here Monday - Friday 9am - 5pm

Please note:

All lending is subject to current product terms, lending policy and product availability and eligibility. Existing borrower cases cannot be submitted online. Please see our frequently asked questions (PDF 126KB)Opens in a new window for further information.
If your client is an existing Godiva Standard Residential customer, you’ll find details of the transfer products available to them in the product guide Opens in a new window .