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Switching your client to another product could not be easier

For Intermediary use only

Existing customer? Click here.


Your client can apply to switch their mortgage product up to 4 months prior to the date of maturity, and if eligible, it will take place on the date of maturity. This page has been split up into handy sections which can be viewed using the quick links below.


Eligibility >

Proof of Income >

Property Valuation >

Next Steps >

Post Application >


Alternatively, to view our product guides click on the links below.


Latest Residential Product Switch Guide >

Latest Buy to Let Product Switch Guide >


Platform will pay the introducer a procuration fee of 0.3% on all product switches.


Should you wish to apply for a product switch on behalf of your clients you will need to ensure that you are registered with Platform at the time of application and on the product transfer date.


If you require any assistance with registration or the product switch process you can call our broker support team directly on 0345 070 1999 (Lines are open Monday – Friday 09.00am – 5.00pm and Thursday 10.00am – 5.00pm)


Please note that we are unable to provide Intermediaries with confidential account information required to complete the application form, however your client can call us directly and details can be found on our public site.


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Your client must meet our eligibility requirements so please check the following:-


 Your client can pass an affordability check if changing the mortgage

 The mortgage property is still your clients main residence (not applicable for BTL)

 Your client is not in arrears


If any of the following apply you should not continue. Please advise your client to contact us directly on 01752 236 550 where we can help administer their request.


  • Your client wishes to change the repayment method
  • Your client holds multiple mortgage sub-accounts i.e. your client has previously borrowed additional funds on top of their original Platform mortgage
  • Your client wishes to port their existing product

  • The remaining term is less than the product term
  • Your client requires any additional borrowing

  • Your client wishes to make a capital reduction


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Proof of Income


No evidence of rental or personal income is required for Buy to Let (BTL) or Execution Only (EO) Product Switch applications.


For advised Mainstream Product Switch Applications proof of income documentation is only required if your clients monthly subscription payment is increasing. The requirements are detailed below. If the application is "Joint" then both applicants must provide Proof of Income if it is required.


Employed Applicants


The latest 1 month’s computerised pay slips. Hand written documents will not be accepted.




An employer’s reference (must be provided if the borrowers are paid in cash)


PLUS the borrowers personal bank statement for the latest full month showing the latest salary credit and household expenditure


Self Employed Applicants


1 years tax assessments (SA302) (Hard copy or self-service version) AND Tax Year Overview




Certificate from a suitably qualified accountant with one year’s figures


PLUS the customer’s personal bank statement for the latest full month showing the latest salary/income credit and household expenditure


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Property Valuation


We will use the last valuation that we hold on record for your clients mortgage. If a new revaluation is selected and your clients LTV already meets 60% LTV or less a revaluation fee will be charged. Please refer to our products guides at the bottom of this page.


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Next Steps


  • Check you are registered with us
  • Complete the application form and post to the address below
  • Complete the income and expenditure form for affordability checks if changing the mortgage term.

  • Ensure you have collated the proof of income requirements from your client.

  • Attach a cheque for the product fee (if applicable), made payable to Platform (please write the mortgage number on the reverse of the cheque). Alternatively we will call your client prior to the switch date to take a card payment.


PO Box 3462

Cheadle Road



ST13 9BG


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Post Application


  • Once we have received the completed application form, and a valuation if required, we will send your client an application mortgage illustration and offer document to sign and return to us, and also a copy to you for your records.
  • If your client has not paid a product fee by cheque we will request a card payment on receipt of the application or least 2 days before the switch date.
  • If all the relevant documents and fees are paid we will transfer your client to the new product unless we hear otherwise.
  • Once the switch is complete your procurement fee will be paid through your chosen submission route


All loans are subject to status and applicants must be aged 18 years or over


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 Latest Residential Product Switch Guide >


 Latest Buy to Let Product Switch Guide >





The information contained within this section is for use by mortgage intermediaries authorised by the FCA.

Information is not to be disclosed or given to the public or is intended as a consumer advertisement as it does not provide APRCs or APRC Representative Examples.


The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.


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