Notices

Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.
Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)
Please note that the Premium Saver (5) has now been withdrawn from sale.
If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.

Owner Occupier mortgages for additional borrowing

See all of our current Owner Occupier mortgage products available for additional borrowing.

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

All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

This information should be read in conjunction with the following documents: 'Additional Information about our Mortgages' and 'Getting a Mortgage: what you need to know' guide, which provide important information about our mortgage services.

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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
2.39% 3 year discounted rate by 2.00%							Compare
2.39%	4.39%	4.1%APRC	Interest-Only	60%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Purchase, remortgage, product switch and further advance · Discount - 2.00% applied to our Managed Mortgage Rate for 3 years · Minimum rate - 2.29% · Loan to Value - Maximum 60% · Fees: - Application fee - £175 + Valuation Fee for purchase and remortgage. £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 - ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount · Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for the third year · Maximum loan - No maximum. · Minimum loan - £2,000 for further advance. No minimum for product switches · Cost for comparison - 4.1% APRC See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.44% 2 year fixed rate							Compare
2.44%	4.39%	4.1%APRC	Repayment	60%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - Maximum 60% Application fee - £175 (£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) Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024 Maximum loan - No maximum. Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches. Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.54% 2 year fixed rate							Compare
2.54%	4.39%	4.1%APRC	Repayment	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - 80% 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. (£125 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. (£125 for further advance, £0 for product switch) ^Cashback - £500 for remortgage applications Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024 Maximum loan - No maximum Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches. Additional criteria - The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.54% 3 year discounted rate by 1.85%							Compare
2.54%	4.39%	4.1%APRC	Interest-Only	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase and remortgage Discount - 1.85% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.44% Loan to Value - Maximum 80% 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. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Minimum loan - £45,000 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 5 year fixed rate							Compare
2.64%	4.39%	3.6%APRC	Repayment	60%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - 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. (£0 for further advance. £0 for product switch) Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 2 year fixed rate JMSO							Compare
2.64%	4.39%	4.2%APRC	Repayment	80%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info 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 - 80%. 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) 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 Early Repayment Charges - 2% until 30/04/2023,1% until 30/04/2024 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 3 year fixed rate							Compare
2.64%	4.39%	3.9%APRC	Interest-Only	60%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Product switch and further advance LTV - Maximum 60%. Application Fee - £125 for further advance. £0 for product switches. Valuation Fees - £0 Product Fee - £0 Cashback - £0 Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 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 - 3.9% APRC Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.74% 5 year fixed rate							Compare
2.74%	4.39%	3.6%APRC	Repayment	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - 80% 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. (£0 for further advances. £0 for product switch) Maximum loan - No maximum 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 Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.79% 3 year fixed rate							Compare
2.79%	4.39%	3.9%APRC	Interest-Only	80%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Product switch and further advance · Loan to Value - Maximum 80%. · Fees: - Application fee - £125 for further advance. £0 for product switches - Legal fees - £100 minimum for further advances. - Valuation fees - £0 · Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 · Maximum loan - No maximum. · Minimum loan - £2,000 for further advance. No minimum for product switches · Additional criteria – For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 2 year discounted rate by 1.65% Offset mortgage							Compare
2.84%	4.49%	4.3%APRC	Repayment	60%	£999~	£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or payment reduction. Find out more about these options here Discount - 1.65% applied to our Managed Flexi Mortgage Rate for 2 years Minimum rate - 2.74% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. (£0 for further advance and 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. (£0 for further advance and switch) Additional benefits: - ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 2% in the first year, 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases. Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.94% 2 year discounted rate by 1.55% Offset mortgage							Compare
2.94%	4.49%	4.3%APRC	Repayment	80%	£999~	£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or payment reduction. Find out more about these options here Discount - 1.55% applied to our Managed Flexi Mortgage Rate for 2 years Minimum rate - 2.84% Loan to Value - Maximum 80% Application fee - £175 + Valuation Fee for purchase and remortgage. 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. Additional benefits: - ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 2% in the first year, 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases. Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.99% 5 year fixed rate Retirement Interest-Only							Compare
2.99%	4.39%	3.9%APRC	Interest-Only	50%	£999~	£500 cashback for remortgages^ Overpayments allowed	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - RIO applications for purchase, remortgage, product switch and further advance Loan to Value - Maximum 50% 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) 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 on completion for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022. Borrowers are required to nominate a Registered Contact when they apply See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.99% 3 year discounted rate by 1.40% for Expats							Compare
2.99%	4.39%	4.1%APRC	Interest-Only	60%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Expat for purchase, remortgage, product switch and further advance Discount - 1.40% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.89% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. 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. Additional benefits: - ^Cashback - £500 on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches Additional criteria - We require a UK address for the serving of notice See our full list of countries currently considered for Expat applications See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.14% 3 year discounted rate by 1.25% for Expats							Compare
3.14%	4.39%	4.1%APRC	Interest-Only	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Expat for purchase, remortgage, product switch and further advance Discount - 1.25% applied to our Managed Mortgage Rate for 3 years Minimum rate - 3.04% Loan to Value - Maximum 80%. Application fee - £175 + Valuation Fee for purchase and remortgage. 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. Additional benefits: - ^Cashback - £500 on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional criteria - We require a UK address for the serving of notice. See our expat page for our full list of countries currently considered for expat applications. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

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.

Owner Occupier mortgages for additional borrowing

2.39% 3 year discounted rate by 2.00%

Some key features of this mortgage

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2.44% 2 year fixed rate

Some key features of this mortgage

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2.54% 2 year fixed rate

Some key features of this mortgage

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2.54% 3 year discounted rate by 1.85%

Some key features of this mortgage

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2.64% 5 year fixed rate

Some key features of this mortgage

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2.64% 2 year fixed rate JMSO

Some key features of this mortgage

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2.64% 3 year fixed rate

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2.74% 5 year fixed rate

Some key features of this mortgage

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2.79% 3 year fixed rate

Some key features of this mortgage

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2.84% 2 year discounted rate by 1.65% Offset mortgage

Some key features of this mortgage

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2.94% 2 year discounted rate by 1.55% Offset mortgage

Some key features of this mortgage

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2.99% 5 year fixed rate Retirement Interest-Only

Some key features of this mortgage

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2.99% 3 year discounted rate by 1.40% for Expats

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3.14% 3 year discounted rate by 1.25% for Expats

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Comparing two mortgage products