4. Product transfers for existing borrowers
For borrowers who already hold a Fleet Mortgages fixed rate, there is a product transfer option. If your clients approach the end of a fixed rate, they might be able to switch into a new Fleet Mortgages for intermediaries product with less effort than a full remortgage.
The lender highlights that product transfer rates are competitive and set at new business levels, while completion fees are lower. Two- and five-year fixed rates are available across standard, limited company and HMO or multi unit products. In many cases, there is no need for an application fee, legal work, or a new valuation.
Some choices involve legal work. Where that happens, Fleet Mortgages covers those costs. Product transfers are not available through the general broker portal, so the lending team needs to confirm eligibility directly. For your clients, this route can support ongoing investment and reduce disruption at rate expiry.
5. Portfolio capacity and exposure limits
Fleet Mortgages for intermediaries can lend up to £5 million per obligor, subject to a portfolio loan to value cap of 75 percent. This gives room for active landlords to hold several properties with one lender.
From a planning point of view, this capacity can help your clients manage larger UK portfolios in a more coordinated way. One lender sees the whole position, including rental coverage and loan levels, across the set of properties.