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Residential policy

We offer a hassle-free product transfer service. Applications can be made up to 180 days before maturity and to apply you just need to log onto VMO and choose the ‘Product Transfer’ option from the menu.

Additional borrowing, changes to mortgage term and changes to the repayment method can all be requested subject to meeting criteria.

As part of the process, we will send a mortgage offer to your client which has an acceptance form that needs signed and returned.

More information can be found here

A product transfer may not be available in very limited circumstances (e.g. account is in arrears and or has a consent to let).

Product switching

As part of any product transfer application, we will allow you to amend the product selected at any point prior to maturity. There are no restrictions on the number of times you can ‘switch’ products, however:

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