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Initial Fixed Rate Ending?

If you are approaching the end of your initial fixed-rate mortgage with us or are currently on our standard variable rate (SVR), it's important to understand what this could mean for you and what other options we have available to you.

Switch to a new product

If you're already a Bluestone Mortgage customer, we'll send you a letter ahead of time detailing how to switch to our product transfer range. The good news is, you can switch to our new deals without any product fees. There are some eligibility requirements, and we just need you to make sure all your mortgage payments are up to date to be considered. If you'd like more info on this, please reach out to your mortgage broker to talk about your personal situation. We don't handle direct customer enquiries, so your broker is the best person to help. Get in touch with your broker early so they can find the best option for you based on your specific needs and circumstances.

Need a broker?
Within 90 days of the rate expiry date
Or on our Standard Variable Rate (SVR)
Not moving home or increasing mortgage balance
Not seeking to add or remove a borrower
Not in arrears at the point of application
Have not missed any payments within 12 months

How to switch…

1. We'll get in touch

If you are currently on our Standard Variable Rate (SVR) or are coming to the end of your fixed-rate deal you will receive a letter from us with next steps.

2. Contact your broker

Get in touch with your broker to find the best option for you based on your specific needs and circumstances. They’ll be happy to take you through the switching process.

3. Apply to switch

If you are eligible and interested in the product transfer, your broker will apply for you to switch by submitting a short application form.

Frequently Asked Questions

What is a product transfer and why should I consider?

This is the process by which an existing Bluestone customer with an active mortgage loan chooses to switch from their current mortgage product (when their current fixed mortgage term comes to an end) to a different one offered by the same lender without moving their mortgage to a different lender. This should be considered as product transfers as you can move onto a lower rate, and there it is generally a more simplified approval process by staying with your current lender. This can save time and reduce administrative hassles.

What products are available for a product transfer? Can I switch from a fixed-rate to variable or vice versa?

You will be able to choose between fixed and variable-rate products. The fixed products will be 2 year, 3 year and 5 year products.

How does the product transfer process work?

You will need to get in contact with a mortgage broker to process the product transfer application to Bluestone. Once the application is submitted to us, we will carry out some basic checks and offer you a selection of products available. All you will need to do is confirm which new interest rate you wish to proceed with, and we will then process the change. 

What is the eligibility criteria for a PT?

Customer(s) will be eligible for a product transfer subject to them meeting the following criteria:

  • The customer(s) cannot be making any fundamental changes to their mortgage such as increasing their balance, moving home or adding / removing a borrower
  • The customer(s) cannot be in arrears or have missed a payment in the last 12 months
  • The switch will not occur until the customer(s) fixed rate period has come to an end
What documents do I need to provide?

If you meet the eligibility criteria, you will not be required to provide any documentation.

Who do I contact if I need support during a product transfer process?

Please contact your broker for any support related to the product transfer process. They will be able to talk you through the process.

Call us

Our lines are open

Mon-Fri 9:00am – 5:30am.
Calls may be recorded.

Customer Service numbers

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