Individual Buy to Let Mortgages |

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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)								Code XFZ032 (EB)
More info	30/06/2031	7.54%	50%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 6.6% APRC.
5.19% 5 Year Fixed Rate to 30/06/2031 (XF1211)								Code XF1211 (EB)
More info	30/06/2031	7.54%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% 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 - 6.1% APRC.
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)								Code XF1208 (EB)
More info	30/06/2028	7.54%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 60% 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 - 7.3% APRC.
5.34% 5 Year Fixed Rate to 30/06/2031 (XF1212)								Code XF1212 (EB)
More info	30/06/2031	7.54%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% 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 - 6.2% APRC.
5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)								Code XF1206 (EB)
More info	30/06/2028	7.54%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% 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 - 7.0% APRC.
5.29% 2 Year Fixed Rate to 30/06/2028 (XF1207)								Code XF1207 (EB)
More info	30/06/2028	7.54%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 7.0% APRC.
4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)								Code XF1202 (EB)
More info	30/06/2031	7.54%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 80% 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 - £1,000,000 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 - 6.2% APRC.
4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)								Code XF1203 (EB)
More info	30/06/2031	7.54%	90%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 30/06/2031 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 - £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 - 6.3% APRC.
4.79% 5 Year Fixed Rate to 30/06/2031 (XF1201)								Code XF1201 (EB)
More info	30/06/2031	7.54%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% 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 - 5.2% APRC.
4.69% 5 Year Fixed Rate to 30/06/2031 (XF1200)								Code XF1200 (EB)
More info	30/06/2031	7.54%	60%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% 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 - 5.1% APRC.
4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)								Code XF1197 (EB)
More info	30/06/2028	7.54%	90%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 7.0% APRC.
4.64% 3 Year Fixed Rate to 31/07/2029 (XF1198)								Code XF1198 (EB)
More info	31/07/2029	7.54%	60%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/07/2029 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 - 3% until 31/07/2027, 2% until 31/07/2028, 1% until 31/07/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.7% APRC.
4.74% 3 Year Fixed Rate to 31/07/2029 (XF1199)								Code XF1199 (EB)
More info	31/07/2029	7.54%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/07/2029 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 - 3% until 31/07/2027, 2% until 31/07/2028, 1% until 31/07/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.8% APRC.
4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)								Code XF1195 (EB)
More info	30/06/2028	7.54%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 6.3% APRC.
4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)								Code XF1196 (EB)
More info	30/06/2028	7.54%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 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 - £1,000,000 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 - 7.0% APRC.
5.34% Expat 5 Year Fixed Rate to 31/05/2031 (XF1229)								Code XF1229 (Direct)
More info	31/05/2031	8.29%	75%	£175*	1.00%~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 75% Fixed Rate end date - 31/05/2031 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 - £500 for Remortgage applications Early Repayment Charges - 5% until 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 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 - 7.6% APRC.
4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)								Code XF1194 (EB)
More info	30/06/2028	7.54%	60%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% 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 - 6.3% APRC.
5.19% Ltd Co 5 Year Fixed Rate to 31/05/2031 (XF1224)								Code XF1224 (Direct)
More info	31/05/2031	8.29%	75%	£175*	1.00%~	£500^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 75% Fixed Rate end date - 31/05/2031 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 - £500 for Remortgage applications Early Repayment Charges - 5% until 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 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 - 7.5% APRC. Additional 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.
5.14% 2 Year Fixed Rate to 30/06/2028 (XF1204)								Code XF1204 (Direct)
More info	30/06/2028	7.54%	60%	£175*	0.00%~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 60% 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 - 7.2% APRC.
5.29% 2 Year Fixed Rate to 30/06/2028 (XF1205)								Code XF1205 (Direct)
More info	30/06/2028	7.54%	80%	£175*	0.00%~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application 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 - 7.2% APRC.

The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
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Mortgages - 03330 140140

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Mortgages - 03330 140146
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5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)

5.19% 5 Year Fixed Rate to 30/06/2031 (XF1211)

5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)

5.34% 5 Year Fixed Rate to 30/06/2031 (XF1212)

5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)

5.29% 2 Year Fixed Rate to 30/06/2028 (XF1207)

4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)

4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)

4.79% 5 Year Fixed Rate to 30/06/2031 (XF1201)

4.69% 5 Year Fixed Rate to 30/06/2031 (XF1200)

4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)

4.64% 3 Year Fixed Rate to 31/07/2029 (XF1198)

4.74% 3 Year Fixed Rate to 31/07/2029 (XF1199)

4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)

4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)

5.34% Expat 5 Year Fixed Rate to 31/05/2031 (XF1229)

4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)

5.19% Ltd Co 5 Year Fixed Rate to 31/05/2031 (XF1224)

5.14% 2 Year Fixed Rate to 30/06/2028 (XF1204)

5.29% 2 Year Fixed Rate to 30/06/2028 (XF1205)