Apply for balance transfer assistance

What happens next

1. 1

   Share your requirement

   Tell us what you are trying to do — buy, build, transfer or raise funds — along with your income type and rough timeline.

2. 2

   Consultation

   We go through your profile, explain what lenders look for and set out the options realistically open to you.

3. 3

   Documentation

   We tell you exactly which documents are needed and check the file is complete before anything is submitted.

4. 4

   Lender processing

   Your application goes to the lender, who carries out their own verification, valuation and legal checks.

5. 5

   Lender decision

   The lender decides the outcome and terms. We keep you updated and explain what any sanction actually commits you to.

What you get

• An honest look at whether it is worth it. Transferring costs money. We work through the arithmetic with you and will say plainly when the saving does not justify the switch.
• Costs identified up front. Foreclosure handling, fresh processing charges, valuation and legal fees and stamp duty on new documents all get set out before you commit.
• Top-up borrowing considered together. If you need an additional amount, it is usually better assessed alongside the transfer than as a separate exercise.
• Paperwork coordinated between lenders. A transfer means dealing with two lenders at once. We help keep the sequence and the document handover straight.