PT+ – Protecting Clients. Empowering Brokers.

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 end, 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.

More income for you.

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 H2, 2025 Y3S completions. Actual savings will vary depending on each client circumstances.