• Purpose - Purchase and Remortgage
• Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
• Loan to Value - Maximum 80%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £175 + Valuation Fee
• Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• ^~Product Fee - None
• ^Cashback - £500 for Remortgage applications
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - £500,000
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 7.4% APRC.

• Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
• ^Cashback - £0
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.3% APRC.
• Additional criteria -
• Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

• Purpose - Expat applications for Product Switch and Further Advance
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.1% APRC.

• Purpose - Expat applications for Product Switch and Further Advance
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.1% APRC.

• Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.1% APRC.

• Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.1% APRC.

• Purpose - Further Advance and Product Switch applications
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.0% APRC.

• Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
• Loan to Value - 50%
• Fixed Rate end date - 30/06/2031
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 6.9% APRC.

• Purpose - Further Advance and Product Switch applications
• Loan to Value - 80%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 7.2% APRC.

• Purpose - Further Advance and Product Switch applications
• Loan to Value - 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 8.0% APRC.

• Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
• ^Cashback - £0
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.3% APRC.

Additional criteria:

• Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
• HMO Specific Criteria - Properties with six, or fewer, lettable bedrooms with a maximum of six occupants will be considered. Not available for student lets and care homes.

• Purpose - Expat applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 2% of the loan amount, subject to a minimum of £1,500
• ^Cashback - £500 for Remortgage applications
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

• Purpose - Expat applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

• Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
• Loan to Value - 90%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £125 for Further Advance. £0 for Product Switches
• Legal Fees - £100 minimum for Further Advance applications
• Valuation Fees - £0
• ^~Product Fee - £0 for Further Advance and Product Switch
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s))
• Minimum Loan - £2,000 for Further Advance. No minimum for product switches
• Cost for comparison - 7.2% APRC.

• Purpose - HMO Expat applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
• ^Cashback - £0
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.3% APRC.

Additional criteria:

• HMO Specific Criteria - Properties with six, or fewer, lettable bedrooms with a maximum of six occupants will be considered. Not available for student lets and care homes.

• Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
• ^Cashback - £0
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

Additional criteria:

• Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

• Purpose - Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• *Application Fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

• Purpose - HMO applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
• ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
• ^Cashback - £0
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

Additional criteria:

• HMO Specific Criteria - Properties with six, or fewer, lettable bedrooms with a maximum of six occupants will be considered. Not available for student lets and care homes.

• Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
• Loan to Value - Maximum 50%
• Fixed Rate end date - 30/06/2031
• *Application Fee - £175 + Valuation Fee
• Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
• ^Cashback - £500 for Remortgage applications
• Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031
• Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 7.0% APRC.

• Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
• Loan to Value - Maximum 75%
• Fixed Rate end date - 30/06/2028
• Application fee - £175 + Valuation Fee
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 2% of the loan amount, subject to a minimum of £1,500
• ^Cashback - £500 for Remortgage applications
• Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum Loan - £45,000 for Purchase and Remortgage
• Cost for comparison - 8.2% APRC.

Additional criteria:

• Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.