AIBU to transfer to another Uni in my 3rd year?

[thelongwayhome]

I'm going into my 3rd year, won't go into all the details but my uni is an absolute nightmare and I'm looking to transfer. 2 unis will accept me, Portsmouth into my third year (P) but Uni of Southampton will only let me transfer into 2nd year there (S). S is a Russell group, P isn't. I'm currently not at a Russell group. P's 3rd year contains modules I've already done, S doesn't. They're both pretty much equal distances away as I won't be moving as I live off campus with my child anyway, I'll commute. P is currently online which makes life easier for me, as of now S is doing on campus teaching.
AIBU to transfer? If it were you, which Uni would you go for? I study law if that makes a difference. Would discuss this with my Uni but getting in touch with them is near impossible which is part of the reason I want to transfer.

If you go to Southampton will you be able to fund the extra year?

@AnnaFour I'm not entirely sure, I will need to speak to SFE. They do fund for 4 years, and I've only used 2 years so in theory yes, but not sure if that applies to essentially repeating a year at another university. But understandably it's hard to get through to SFE to check right now!

Sounds like this is heavily weighted in favour of Portsmouth, but I haven’t done law and couldn’t tell you if Southampton would improve you job prospects. How would it look if you had to explain why you repeated a year?