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Homes for Ukraine - important information can be found here.
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Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.
Savings: the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

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All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time.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.
Initial interest rate | Current follow on rate | Overall cost for comparison | Repayment or Interest-Only? | Max % Loan to Value (LTV) | Product fees |
Additional benefits |
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3.14% 3 year discounted rate by 2.40% |
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3.14% | 5.54% |
5.1% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.29% 3 year discounted rate by 2.25% |
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3.29% | 5.54% |
5.1% |
|
80% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.59% 2 year discounted rate by 2.05% Offset mortgage |
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3.59% | 5.64% |
5.4% |
|
60% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.69% 2 year discounted rate by 1.95% Offset mortgage |
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3.69% | 5.64% |
5.4% |
|
80% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.74% 5 year fixed rate until 31/10/2027 |
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3.74% | 5.54% |
4.6% |
|
60% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.74% 3 year discounted rate by 1.80% for Expats |
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3.74% | 5.54% |
5.1% |
|
60% | £999~ |
£500 cashback for remortgages^ |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.84% 5 year fixed rate until 31/10/2027 |
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3.84% | 5.54% |
4.7% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.84% 3 year fixed rate until 31/10/2025 |
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3.84% | 5.54% |
4.8% |
|
60% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.84% 2 year fixed rate until 31/10/2024 |
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3.84% | 5.54% |
5.3% |
|
60% | £999~ |
£500 cashback for remortgages^ |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.89% 3 year discounted rate by 1.65% for Expats |
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3.89% | 5.54% |
5.1% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.89% 5 year fixed rate until 31/10/2027 RIO |
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3.89% | 5.54% |
5.0% |
|
80% | £999~ |
£500 cashback for remortgages^ Overpayments allowed |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.94% 2 year fixed rate until 31/10/2024 |
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3.94% | 5.54% |
5.3% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.94% 3 year fixed rate until 31/10/2025 |
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3.94% | 5.54% |
5.1% |
|
60% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.94% 3 year fixed rate until 31/10/2025 |
||||||||||
3.94% | 5.54% |
4.8% |
|
80% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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4.09% 3 year fixed rate until 31/10/2025 |
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4.09% | 5.54% |
5.2% |
|
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.