Turn every product transfer into better customer outcome, and more income for you.
The fixed-rate cliff is here
FCA data shows that around 850,000 five-year fixed-rate mortgages were taken out in 2021 at an average rate of 2.3%. As these deals end in 2026, many borrowers will face a sharp rise in repayments — either by reverting to their lender’s variable rate or switching to a new, higher fixed rate. For hundreds of thousands of households, this will add further pressure to already stretched living costs.
How PT+ helps
PT+ is our enhanced product transfer service that, where suitable, combines a standard product transfer with a second charge mortgage to improve client affordability. When you refer a client nearing the end of their fixed rate, we review their credit file and, if appropriate, arrange a second charge to consolidate debts and free up disposable income.
They’ll receive a personalised product suitability report, breaking down each debt, detailing the monthly and total costs or savings over the term of the loan.
By protecting clients from payment shock, PT+ not only safeguards their financial wellbeing but also generates multiple income streams for you — with Y3S managing the process end-to-end and taking full regulatory responsibility.
“I referred to Y3S a client coming to the end of their fixed rate mortgage.
Had I just completed a product transfer, I would have earned just £450.
Y3S completed their PT+ assessment and the client’s monthly disposable income increased by over £900.
I then reviewed the customer’s insurance, and I earned just over £2,500 in total. PT+ has also significantly increased the chances of a better remortgage product in a few years time."
Broker, South East England
Our customer reviews
Based on our reviews, we’re delighted to have been awarded with Feefo’s prestigious Platinum Award for 6 years consecutively. Click on the image below to read more.
*Savings based on H1, 2025 Y3S completions. Actual savings will vary depending on each client circumstances.
Call 0800 014 7797 to speak to one of the team or get a quote online.
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