Product transfer

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  4. Product Transfer

1. Review details of your clients existing mortgage.

You can find details of your clients existing mortgage information by signing into Halifax Intermediaries Online and selecting the Mortgage Enquiry option on the left hand menu of the homepage.

2. Produce a Mortgage Illustration

To produce a product transfer mortgage illustration, sign in to Halifax Intermediaries Online and select ‘Mortgage Enquiry’ or ‘Create Product Transfer’ – both options will initially navigate to Mortgage Enquiry. Once you have reviewed your clients mortgage information you will be able to begin the product transfer process.:

Instant illustration and online completion:

  • For simple product transfer applications on repayment mortgages, where no contract changes are required, you will be able to select a new product, generate a quote and produce a mortgage illustration instantly
  • If the client is happy to proceed, an on-screen declaration will allow you to offer and complete the application in one straight-through online transaction

Customer budget assessment or full affordability required:

  • For interest only mortgages, or where the client wishes to make a change to their mortgage contract in addition to the product transfer, such as a change to the term, an element of review by our Refinance Team will be required
  • These applications cannot be completed in one straight-through process, however a mortgage illustration will be produced by the Refinance Team and made available online
  • In order to obtain an illustration please continue to key the product transfer online and this will automatically submit an instruction to the Refinance Team who will create the illustration. There is no requirement for you to contact the Refinance Team to progress the product transfer
  • You must accept the Illustration to complete the application - you can do this by:

3. Documentation and Case updates

You should upload any requested documents to support the application.

If you have not yet registered for the Halifax Document Upload service then please follow this link which will take you to the Halifax Document Upload service.

You will receive case updates by email. Please ensure that you keep your contact details up to date.

You will be notified by email of application updates and issued offers that will be available for you to view online.

Our tracker rate mortgages are linked to Bank of England bank rate (also known as Bank of England repo rate). Details of this rate can be found on the Bank of England website at

For independent information on mortgages, visit the website 'Money Advice Service'.

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