| Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment or Interest-Only? |
FTB | ||
|---|---|---|---|---|---|---|---|---|---|---|
5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016) |
Code XT0016 | |||||||||
| More info | 2 years | 7.54% | 80% | £175* | £999~ | £500^ | Interest-Only | No | ||
|
More info
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Criteria A-Z
Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335) |
Code XF1335 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.79% 5 Year Fixed Rate to 30/09/2031 (XF1333) |
Code XF1333 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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Request DIP / Illustration and apply
|
||||||||||
5.19% 2 Year Fixed Rate to 31/10/2028 (XF1331) |
Code XF1331 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 2.00%~ | £500^ | Repayment Interest-Only | No | ||
|
More info
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Request DIP / Illustration and apply
|
||||||||||
5.64% 2 Year Fixed Rate to 31/10/2028 (XF1330) |
Code XF1330 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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Contact your BDM
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|
||||||||||
5.99% HMO 5 Year Fixed Rate to 30/09/2031 (XF1336) |
Code XF1336 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.84% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1337) |
Code XF1337 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018) |
Code XT0018 | |||||||||
| More info | 2 years | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.39% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1338) |
Code XF1338 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 2.00%~ | £500^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
6.04% HMO Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1343) |
Code XF1343 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.79% Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1340) |
Code XF1340 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.39% 2 Year Tracker Rate Ltd Co (1.64% above the BOE Bank Rate) (XT0020) |
Code XT0020 | |||||||||
| More info | 2 years | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.99% HMO Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1344) |
Code XF1344 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Repayment Interest-Only | No | ||
|
More info
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|
||||||||||
5.49% Expat 2 Year Fixed Rate to 31/10/2028 (XF1346) |
Code XF1346 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 2.00%~ | £500^ | Interest-Only | No | ||
|
More info
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Check affordability
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Request DIP / Illustration and apply
|
||||||||||
5.89% Expat 2 Year Fixed Rate to 31/10/2028 (XF1345) |
Code XF1345 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
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Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
5.94% Expat 5 Year Fixed Rate to 30/09/2031 (XF1348) |
Code XF1348 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
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Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
5.39% 2 Year Tracker Rate Expat (1.64% above the BOE Bank Rate) (XT0022) |
Code XT0022 | |||||||||
| More info | 2 years | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
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Criteria A-Z
Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
6.04% Expat Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1352) |
Code XF1352 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
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Criteria A-Z
Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
6.09% HMO Expat 2 Year Fixed Rate to 31/10/2028 (XF1350) |
Code XF1350 | |||||||||
| More info | 31/10/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
6.14% HMO Expat 5 Year Fixed Rate to 30/09/2031 (XF1351) |
Code XF1351 | |||||||||
| More info | 30/09/2031 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Interest-Only | No | ||
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
Contact your BDM
Request DIP / Illustration and apply
|
||||||||||
The mortgage will be secured on your home. Your home 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 | |||
|---|---|---|---|---|---|---|---|---|---|---|
5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016) |
||||||||||
| 5.54% | 7.54% |
7.3% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315) |
||||||||||
| 5.54% | 7.54% |
6.8% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316) |
||||||||||
| 5.64% | 7.54% |
6.9% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317) |
||||||||||
| 5.69% | 7.54% |
7.2% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318) |
||||||||||
| 5.79% | 7.54% |
7.3% |
|
90% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320) |
||||||||||
| 5.59% | 7.54% |
6.0% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319) |
||||||||||
| 5.49% | 7.54% |
5.9% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321) |
||||||||||
| 5.64% | 7.54% |
6.5% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322) |
||||||||||
| 5.74% | 7.54% |
6.6% |
|
90% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232) |
||||||||||
| 5.19% | 7.54% |
6.8% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324) |
||||||||||
| 5.89% | 7.54% |
7.3% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233) |
||||||||||
| 5.29% | 7.54% |
7.2% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326) |
||||||||||
| 6.04% | 7.54% |
7.4% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327) |
||||||||||
| 6.14% | 7.54% |
7.5% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328) |
||||||||||
| 5.89% | 7.54% |
6.6% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329) |
||||||||||
| 6.04% | 7.54% |
6.8% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036) |
||||||||||
| 5.99% | 7.54% |
6.8% |
|
50% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235) |
||||||||||
| 5.69% | 7.54% |
7.5% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234) |
||||||||||
| 5.54% | 7.54% |
7.3% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236) |
||||||||||
| 5.79% | 7.54% |
7.3% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.
Case study - A repayment mortgage even in retirement
Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term
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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