Notices

  • Homes for Ukraine - important information can be found here.

  • Savings members: Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.25% on 16 June 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 July 2022.  In addition we are pleased to say that many of our variable rate accounts will also be increasing from 24 June 2022. We will be informing affected customers of their new rate via email or letter shortly. (Notice updated 20/06/2022).

    Mortgage members: Tracker mortgages will change on 25 July 2022 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Notice updated 20/06/2022).

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Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

3.09% 2 year fixed rate until 31/10/2024

 Code XF0493
31/10/2024 4.79% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • Fixed Rate end date - 31/10/2024
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount (£0 for further advance. £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • 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. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.5% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.19% 2 year fixed rate until 31/10/2024

 Code XF0494
31/10/2024 4.79% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 31/10/2024
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • 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. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.5% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.19% 2 year fixed rate until 31/10/2024 JMSO

 Code XF0495
31/10/2024 4.79% 60% £175* £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2024
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • Product Fee -  £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
  • Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    • ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.24% 3 year fixed rate until 31/10/2025

 Code XF0512
31/10/2025 5.54% 70% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.39% 3 year fixed rate until 31/10/2025 Limited Company

 Code XF0513
31/10/2025 5.54% 60% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 5.3% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
  • 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 or 68209

3.09% 3 year fixed rate until 31/10/2025

 Code XF0511
31/10/2025 5.54% 60% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.54% 3 year fixed rate until 31/10/2025 Limited Company

 Code XF0514
31/10/2025 5.54% 70% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. £0 for further advance and product switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.3% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
  • 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  or 68209

3.19% 5 year fixed rate until 30/09/2027

 Code XF0515
30/09/2022 5.54% 60% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2027
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application.
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.4% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

3.34% 5 year fixed rate until 30/09/2027

 Code XF0516
30/09/2027 5.54% 70% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - 70%
  • Fixed Rate end date - 30/09/2027
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal fees - £100 minimum for for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.5% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

3.09% 5 year fixed rate until 31/10/2027

 Code XF0500
31/10/2027 4.79% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/10/2027
  • *Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022 
 

3.14% 5 year fixed rate until 31/10/2027 Family Mortgage

 Code XF0503
31/10/2027 4.79% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • LTV - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account
  • Fixed Rate end date - 31/10/2027
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £599 for purchase applications. (£0 for further advance, £0 for product switch)
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.3% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
 

3.29% 2 year fixed rate until 31/10/2024 JMSO

 Code XF0496
31/10/2024 4.79% 80% £175* £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/10/2024
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/04/2023, 1% until 31/10/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

2.99% 5 year fixed rate until 31/10/2027

 Code XF0499
31/10/2027 4.79% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2027
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  •  Additional criteria - The mortgage must complete by 03/10/2022

3.09% 5 year fixed rate until 31/10/2027 JMSO

 Code XF0501
31/10/2027 4.79% 60% £175* £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

3.19% 3 year fixed rate until 31/10/2025

 Code XF0506
31/10/2025 4.79% 60% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.3% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

3.24% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage

 Code XF0510
31/10/2025 4.79% 95% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 4.6% APRC

3.14% 5 year fixed rate until 31/10/2027 RIO

 Code XFZ011
31/10/2027 4.79% 50% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • Fixed Rate end date - 31/10/2027
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022. Borrowers are required to nominate a Registered Contact when they apply

3.09% 3 year fixed rate until 31/10/2025

 Code XF0497
31/10/2025 4.79% 60% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Legal fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.0% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

3.19% 3 year fixed rate until 31/10/2025

 Code XF0498
31/10/2025 4.79% 80% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.0% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

3.49% 5 year fixed rate until 30/09/2027 for expats

 Code XF0519
30/09/2027 5.54% 60% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and further advance
  • LTV - Maximum 60%
  • Fixed rate end date - 30/09/2027
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.9% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

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

3.09% 2 year fixed rate until 31/10/2024
3.09% 4.79% 4.5%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount (£0 for further advance. £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • 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. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.5% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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3.19% 2 year fixed rate until 31/10/2024
3.19% 4.79% 4.5%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • 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. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.5% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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3.19% 2 year fixed rate until 31/10/2024 JMSO
3.19% 4.79% 4.6%APRC
  • Repayment
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • Product Fee - £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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3.24% 3 year fixed rate until 31/10/2025
3.24% 5.54% 5.2%APRC
  • Interest-Only
  • Repayment
 70% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%.
  • Fixed rate end date - 31/10/2025
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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3.39% 3 year fixed rate until 31/10/2025 Limited Company
3.39% 5.54% 5.3%APRC
  • Interest-Only
  • Repayment
 60% £1,499~

Some key features of this mortgage

  • Purpose - Buy to Let Limited Company Purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 60%.
  • Fixed Rate end date - 31/10/2025
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property.
  • 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 (Further advance and Product Switch) - £0
  • 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Cost for comparison - 5.3% APRC
  • Additional criteria – The mortgage must complete by 03/10/2022
  • 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 or 68209
 

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3.09% 3 year fixed rate until 31/10/2025
3.09% 5.54% 5.2%APRC
  • Interest-Only
  • Repayment
 60% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2025
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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3.54% 3 year fixed rate until 31/10/2025 Limited Company
3.54% 5.54% 5.3%APRC
  • Interest-Only
  • Repayment
 70% £1,499~

Some key features of this mortgage

  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 70%.
  • Fixed Rate end date - 31/10/2025
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property.
  • 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 (Further advance and Product Switch) - £0
  • 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges -  3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Cost for comparison - 5.3% APRC
  • Additional criteria – The mortgage must complete by 03/10/2022                  
  • 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  or 68209
 

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3.19% 5 year fixed rate until 30/09/2027
3.19% 5.54% 4.4%APRC
  • Interest-Only
  • Repayment
 60% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/09/2027
  • Application fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0                                             
  • Legal fees - £100 minimum for further advances
  • Product fee - £0 
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.4% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022 











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3.34% 5 year fixed rate until 30/09/2027
3.34% 5.54% 4.5%APRC
  • Interest-Only
  • Repayment
 70% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/09/2027
  • Application fee - £125 for further advance. £0 for product switches
  • Valuation Fees  - £0                                           
  • Legal fees - £100 minimum for further advances
  • Product fee - £0
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.5% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022 











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3.09% 5 year fixed rate until 31/10/2027
3.09% 4.79% 3.9%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022 
 

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3.14% 5 year fixed rate until 31/10/2027 Family Mortgage
3.04% 4.79% 4.3%APRC
  • Repayment
 95% £599~ £250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account. Find out more here.
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £599 for purchase applications. (£0 for further advance, £0 for product switch)
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Additional criteria – The mortgage must complete by 03/10/2022 
  • Cost for comparison - 4.3% APRC

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3.29% 2 year fixed rate until 31/10/2024 JMSO
3.29% 4.79% 4.6%APRC
  • Repayment
 80% £599~

£500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switches.)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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2.99% 5 year fixed rate until 31/10/2027
2.99% 4.79% 3.9%APRC
  • Repayment
 60% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  •  Additional criteria - The mortgage must complete by 03/10/2022

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3.09% 5 year fixed rate until 31/10/2027 JMSO
3.09% 4.79% 4.2%APRC
  • Repayment
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
 

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3.19% 3 year fixed rate until 31/10/2025
3.19% 4.79% 4.3%APRC
  • Interest-Only
 60% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2025
  • Application Fee - £125 for further advance. £0 for product switches.
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.3% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

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3.24% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage
3.04% 4.79% 4.6%APRC
  • Interest-Only
  • Repayment
 95% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 31/10/2025
  • Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 4.6% APRC

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3.14% 5 year fixed rate until 31/10/2027 RIO
3.14% 4.79% 4.2%APRC
  • Interest-Only
 50% £999~

£500 cashback for remortgages^

Overpayments allowed

Some key features of this mortgage

  • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022. Borrowers are required to nominate a Registered Contact when they apply

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3.09% 3 year fixed rate until 31/10/2025
3.09% 4.79% 4.0%APRC
  • Repayment
 60% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2025
  • Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Legal Fees - £100 minimum for further advances
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.0% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

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3.19% 3 year fixed rate until 31/10/2025
3.19% 4.79% 4.0%APRC
  • Repayment
 80% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 31/10/2025
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.0% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

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3.49% 5 year fixed rate until 30/09/2027 for expats
3.49% 5.54% 4.9%APRC
  • Interest-Only
 60% £0

Some key features of this mortgage

  • Purpose - Expat product switch and further advance
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/09/2027
  • Application fee - £125 for further advance. £0 for product switch       
  • Valuation Fees  - £0
  • Legal fees - £100 minimum for further advances
  • Product fee - £0
  • Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027 
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.  
  • Cost for comparison - 4.9% APRC
  • Additional criteria - For further advances, the mortgage must complete by 03/10/2022

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Comparing two mortgage products

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Over 125 years of helping people move in

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.

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New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

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Savings - 03330 140144

Mortgages - 03330 140146

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