If your mortgage deal is coming to an end, should you stay with your current lender or switch to a new one?

In this episode, Francel is joined by Heron Financial remortgage advisor Gary Holmes to break down the difference between a product transfer and a remortgage in simple terms. They cover how each option works, the pros and cons of both, when to start the conversation, and why the right choice often depends on your personal circumstances.

You’ll also learn when a product transfer can be the simpler route, when a remortgage could help you access a better deal, and how things like Help to Buy, changing income, fees, and borrowing extra for home improvements can affect your options.

If your current mortgage deal is ending soon and you’re not sure what to do next, this episode will help you understand the key differences and feel more confident about your next step.