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 Min loan size Max loan size Early repayment charge* Product code
85% Discounted Variable1 2 3.44% 0.25% £1,000 £3,000,000 No ERCs 01341 KCHR1801
85% Fixed 2 3.39% 0.25% £1,000 £3,000,000 3% in years one and two 01342 KCHR1801
85% Fixed 5 3.79% 0.25% £1,000 £3,000,000 5% in year one, 4% in year two and 3% in years three, four and five
01343 KCHR1801
90% Discounted Variable2 2 4.04% 0.25% £1,000 £3,000,000 No ERCs 01344 KCHR1801
90% Fixed 2 3.99% 0.25% £1,000 £3,000,000 3% in years one and two 01345 KCHR1801
90% Fixed 5 4.39% 0.25% £1,000 £3,000,000 5% in year one, 4% in year two and 3% in years three, four and five 01346 KCHR1801
12.29% | 21.99%

The Standard variable rate is 6.33%.
All of our products are subject to availability and may be withdrawn at any time.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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