# Product Transfers Explained: What to Do When Your Fixed Rate Ends

Page: https://stenobird.com/podcast/move-iq-podcast-517943/product-transfers-explained-what-to-do-when-your-fixed-rate-ends
Text version: https://stenobird.com/podcast/move-iq-podcast-517943/product-transfers-explained-what-to-do-when-your-fixed-rate-ends.md
Podcast: [Move iQ Podcast](https://stenobird.com/podcast/move-iq-podcast-517943)
Published: 2026-03-27T06:00:00+00:00
Episode link: https://episode.flightcast.com/01KJQQ1ZYHVWM328TW33QT1C4X.mp3
Audio file: https://episode.flightcast.com/01KJQQ1ZYHVWM328TW33QT1C4X.mp3
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JSON: https://stenobird.com/v1/public/podcasts/move-iq-podcast-517943/episodes/product-transfers-explained-what-to-do-when-your-fixed-rate-ends
Duration seconds: 329

## Resource

Phil is joined by Emma from Skipton Building Society to explain product transfers and what to do when your fixed rate mortgage deal ends. If you’re unsure whether to switch lenders or stay put, this conversation focuses on the option of moving onto a new deal with your existing lender. When your deal comes to an end, you don’t have to accept your lender’s reversionary rate. A product transfer allows you to switch to a new deal with the same lender, often with a simpler process. Understanding your options early can help you avoid higher repayments and make a more informed choice. If your fixed rate is nearing its expiry date, this episode will help you understand your options and decide whether a product transfer could be the right fit. 👉 VIDEO TIMESTAMPS Chapters 00:00 Introduction 00:25 What happens when fixed rate deals end? 02:11 Staying with the same lender 03:26 Avoiding the reversionary rate 04:14 How product transfers could save you money 👉 SUBSCRIBE TO THE CHANNEL 🔗 https://www.youtube.com/@UC_bxZ7uKmnve42-5pfNO47A 👉 GET PHIL SPENCER'S ADVICE DIRECT TO YOUR INBOX ✉ 🔗 https://www.moveiq.co.uk/newsletter-signup 👉 VISIT THE MOVE iQ WEBSITE 💻 🔗 https://www.moveiq.co.uk 👉 VISIT THE SKIPTON WEBSITE 💻 🔗 https://www.skipton.co.uk/ ➤ CONNECT WITH US ON SOCIAL 👇 📲INSTAGRAM / https://www.instagram.com/moveiq/ https://www.instagram.com/skiptonbuildingsociety/ 📲TIKTOK / https://www.tiktok.com/@philspencertv https://www.tiktok.com/@skiptonbuildingsociety 📲FACEBOOK / https://www.facebook.com/MoveiQ https://www.facebook.com/profile.php?id=100089929007393 📲LINKEDIN / https://www.linkedin.com/company/move-iq https://www.linkedin.com/company/skipton-building-society and https://www.linkedin.com/showcase/skipton-building-society-for-intermediaries/ 📲YOUTUBE https://www.youtube.com…

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