Residential Mortgage Product Transfer

The Product Transfer scheme allows existing customers to transfer to a new mortgage deal when their current deal is coming to an end, or sooner if they request. A transfer of deal requires no valuation or underwriting assessment.

Please see below for our residential mortgage product transfer rates for existing Kent Reliance mortgage customers. Please note that this page is for intermediaries only, please refer to the Coming to the end of your deal section of the Kent Reliance website to present to your client.

Online Product Transfer Portal

The Product Transfer portal works with mortgages with account numbers beginning with 0800. If your client's mortgage account number begins with 7000, please follow our previous, paper based process.

0800 account numbers 7000 account numbers
Product transfer portal Paper-based process 

If your clients account number starts with 800, see information on how to complete the product transfer on behalf of your client via our online portal on our Product Transfer Portal Hub. If your clients account number starts with 700 please see details on the paper based process on our main Mortgage Product Transfer page. If your client isn't currently a Kent Reliance customer, please see our standard residential mortgages page.


Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
85% Discounted Variable 2 3.42% 0.25% No ERCs
01434 KCHR1901
85% Fixed 2 3.37% 0.25% 3% in years one and two 01435 KCHR1901
85% Fixed 5 3.77% 0.25% 5% in year one, 4% in year two and 3% in years three, four and five
01436 KCHR19F5
90% Discounted Variable 2 4.02% 0.25% No ERCs 01437 KCHR1901
90% Fixed 2 3.97% 0.25% 3% in years one and two 01438 KCHR1901
90% Fixed 5 4.37% 0.25% 5% in year one, 4% in year two and 3% in years three, four and five 01439 KCHR19F5
12.29% | 21.99%

The Standard variable rate is 6.33%.
Application fee £130 payable at time of application. This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn). Please note that applications will not be processed until this fee is received.
All of our products are subject to availability and may be withdrawn at any time.
ERCs may be incurred for full redemption or repayment of capital.

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