Notices
Owner Occupier mortgages for additional borrowing

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All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time.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 'Getting a Mortgage: what you need to know' guide, which provides important information about our mortgage services.

 

Filter:
Sort:
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

5.54% 5 Year Fixed Rate to 31/01/2029 (XF0679)
5.54% 8.44% 6.5%APRC
  • Repayment
 60% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028,1% until 31/01/2029
  • 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 - 6.5% 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

    5.64% 5 Year Fixed Rate to 31/01/2029 (XF0680)
    5.64% 8.44% 6.6%APRC
    • Repayment
    		 80% £999~ £500 for remortgage applications^

    Some key features of this mortgage

    • Purpose - Purchase, Remortgage, Further Advance, Product Switch
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/01/2029
    • *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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028,1% until 31/01/2029
    • 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 - 6.6% 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

    5.74% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0681)
    5.74% 8.44% 7.6%APRC
    • Repayment
    		 60% £599~ £500 for remortgage applications^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
    • LTV - Maximum 60%
    • Fixed rate end date - 31/01/2029
    • *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 for loans up to £500,000. (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.6% 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

    5.79% Family Mortgage 5 Year Fixed Rate to 31/01/2029 (XF0683)
    5.79% 8.44% 7.7%APRC
    • Repayment
    		 95% £599~ £250 for purchase applications^

    Some key features of this mortgage

    • Purpose - Family Mortgage applications for purchase, further advance, product switch
    • 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 - 31/01/2029
    • *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 - £250 for purchase applications
    • Early Repayment Charges - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028,1% until 31/01/2029
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 7.7% 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

    5.84% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0682)
    5.84% 8.44% 7.6%APRC
    • Repayment
    		 80% £599~ £500 for remortgage application^

    Some key features of this mortgage

     

    • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
    • LTV - Maximum 80%
    • Fixed rate end date - 31/01/2029
    • *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% in the first year, 1% in the second year
    • ^Early Repayment Charges - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.6% 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

    5.99% 5 Year Fixed Rate to 31/01/2029 (XF0687)
    5.99% 8.44% 7.3%APRC
    • Interest-Only
    		 60% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/01/2029
    • 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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.3% 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

    6.19% FFGM 5 Year Fixed Rate to 31/01/2029 (XF0690)
    6.19% 8.44% 7.9%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 - 31/01/2029
    • 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 - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.9% 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

    6.24% 2 Year Fixed Rate to 31/01/2026 (XF0675)
    6.24% 8.44% 8.0%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 - 31/01/2026
    • 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 31/01/2025, 1% until 31/01/2026
    • 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 - 8.0% 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

    6.34% 2 Year Fixed Rate to 31/01/2026 (XF0676)
    6.34% 8.44% 8.1%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 - 31/01/2026
    • 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 31/01/2025, 1% until 31/01/2026
    • 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 - 8.1% 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

    6.39% (2.05% Discounted Rate from follow on rate) for 2 years (XD0190)
    6.39% 8.44% 8.1%APRC
    • Repayment
    		 60% £0

    Some key features of this mortgage

    • Purpose - Product switch and further advance
    • Discount - 2.05% discount applied to our Managed Mortgage Rate for the first 2 years
    • Minimum rate - 3.74%
    • LTV - Maximum 60%.
    • Application Fee - £125 for further advance, £0 for product switch
    • Legal Fees -  £100 minimum for further advance
    • Valuation Fees - £0 for further advance, £0 for product switch
    • ~Product Fee - £0 for further advance, £0 for product switch
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • 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 - 8.1% 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

    6.44% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0677)
    6.44% 8.44% 8.4%APRC
    • Repayment
    		 60% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor 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 - 31/01/2026
    • 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 31/01/2025, 1% until 31/01/2026
    • 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 - 8.4% 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

    6.49% (1.95% Discounted Rate from follow on rate) for 2 years (XD0191)
    6.49% 8.44% 8.1%APRC
    • Repayment
    		 80% £0

    Some key features of this mortgage

    • Purpose - Product switch and further advance
    • Discount - 1.95% discount applied to our Managed Mortgage Rate for the first 2 years
    • Minimum rate - 3.84%
    • LTV - Maximum 80%.
    • Application Fee - £125 for further advance, £0 for product switch
    • Valuation Fees - £0 for further advance, £0 for product switch
    • ~Product Fee - £0 for further advance and £0 for product switch
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • 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 - 8.1% 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

    6.49% RIO 5 Year Fixed Rate to 31/01/2029 (XFZ019)
    6.49% 8.44% 7.9%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 - 31/01/2029
    • 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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.9% APRC
    • Additional criteria - 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

    6.49% 5 Year Fixed Rate to 31/01/2029 (XF0688)
    6.49% 8.44% 7.7%APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/01/2029
    • 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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
    • 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 - 7.7% 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

    6.54% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0678)
    6.54% 8.44% 8.4%APRC
    • Repayment
    		 80% £599~

    £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor 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 - 31/01/2026
    • 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 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/01/2025, 1% until 31/01/2026
    • 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 - 8.4% 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

    6.69% 2 Year Fixed Rate to 31/01/2026 (XF0684)
    6.69% 8.44% 8.4%APRC
    • Interest-Only
    		 60% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/01/2026
    • 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 - 2% until 31/01/2025, 1% until 31/01/2026
    • 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 - 8.4% 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

    6.69% JBSP 1.75% Discounted Rate from follow on rate for 2 years (XD0194)
    6.69% 8.44% 8.4%APRC
    • Repayment
    		 60% £0

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.04% 
    • LTV - Maximum 60%.
    • *Application Fee - £125 for further advance. £0 for product switches
    • Legal Fees -  £100 minimum for further advance.
    • Valuation Fees - £0 for further advance, £0 for product switch
    • Product Fee - £0 for further advance, £0 for product switch
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • Maximum loan  - £500,000
    • Minimum loan - £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.4% 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

    6.79% JBSP 1.65% Discounted Rate from follow on rate for 2 years (XD0195)
    6.79% 8.44% 8.4%APRC
    • Repayment
    		 80% £0

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 1.65% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.14% 
    • LTV - Maximum 80%.
    • Application Fee - £125 for further advance. £0 for product switches
    • Legal Fees -  £100 minimum for further advance.
    • Valuation Fees - £0 for further advance, £0 for product switch
    • ~Product Fee - £0 for further advance, £0 for product switch
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • 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 - 8.4% 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

    6.84% (1.60% Discounted Rate from follow on rate) for 2 years (XD0196)
    6.84% 8.44% 8.5%APRC
    • Interest-Only
    		 60% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Discount - 1.60% discount applied to our Managed Mortgage Rate for the first 2 years
    • Minimum rate - 4.19%
    • LTV - Maximum 60%.
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£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
    • ~Product Fee - £599 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 - 2% in the first year, 1% in the second year
    • 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 - 8.5% 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

    6.84% Offset Mortgage 1.70% Discounted Rate from follow on rate for 2 years (XO0057)
    6.84% 8.54% 8.4%APRC
    • Repayment
    		 60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

    Payment or Term reduction

    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 - 1.70% applied to our Managed Flexi Mortgage Rate for 2 years
    • Minimum rate - 4.19% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage.  (£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 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)
    • 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.
    • Cost for comparison - 8.4% APRC
    • 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

    6.94% Offset Mortgage 1.60% Discounted Rate from follow on rate for 2 years (XO0058)
    6.94% 8.54% 8.5%APRC
    • Repayment
    		 80% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

    Payment or Term reduction

    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 - 1.60% applied to our Managed Flexi Mortgage Rate for 2 years
    • Minimum rate - 4.29% 
    • Loan to Value - Maximum 80%
    • Application fee - £175 + Valuation Fee for purchase and remortgage. (£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 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
    • Cost for comparison - 8.5% APRC
    • 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

    7.14% JBSP 1.30% Discounted Rate from follow on rate for 2 years (XD0198)
    7.14% 8.44% 8.6%APRC
    • Interest-Only
    		 60% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 1.30% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.49% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage applications. (£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% in the first year, 1% in the second year
    • Cost for comparison - 8.6% 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

    7.19% 2 Year Fixed Rate to 31/01/2026 (XF0685)
    7.19% 8.44% 8.6%APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/01/2026
    • 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 - 2% until 31/01/2025, 1% until 31/01/2026
    • 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 - 8.6% 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

    7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200)
    7.24% 8.44% 8.6%APRC
    • Interest-Only
    		 60% £999~ £500 cashback for remortgages^
     

    Some key features of this mortgage

    • Purpose - Expat for purchase, remortgage, product switch and further advance
    • Discount - 1.20% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.59% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£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 on completion for remortgage applications
    • Early Repayment Charges -  2% in the first year, 1% in the second 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
    • Cost for comparison - 8.6% APRC
    • 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

    7.34% (1.10% Discounted Rate from follow on rate) for 2 years (XD0197)
    7.34% 8.44% 8.6%APRC
    • Interest-Only
    		 80% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose -  Purchase, remortgage, product switch and further advance
    • Discount - 1.10% discount applied to our Managed Mortgage Rate for the first 2 years
    • Minimum rate - 4.69%
    • LTV - Maximum 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
    • ~Product Fee - £599 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 - 2% in the first year, 1% in the second year
    • 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 advances. No minimum for product switches.
    • Cost for comparison - 8.6% 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

    7.64% JBSP 0.80% Discounted Rate from follow on rate for 2 years (XD0199)
    7.64% 8.44% 8.7%APRC
    • Interest-Only
    		 80% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 0.80% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.99% 
    • Loan to Value - Maximum 80%.
    • Application fee - £175 + Valuation Fee for purchase and remortgage applications. (£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% for the first year, 1% for the second year
    • Cost for comparison - 8.7% 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

    7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201)
    7.74% 8.44% 8.8APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Expat for purchase, remortgage, product switch and further advance 
    • Discount - 0.70% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 5.09% 
    • Loan to Value - Maximum 80%.
    • Application fee - £175 + Valuation Fee for purchase and remortgage. £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 on completion for remortgage applications
    • Early Repayment Charges -  2% in the first year, 1% in the second 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.
    • Cost for comparison - 8.8% APRC
    • 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

    Mortage icon - House Mortgage icon - House
    Product DYNAMIC DYNAMIC
    Initial interest rate DYNAMIC DYNAMIC
    Current follow on rate DYNAMIC DYNAMIC
    Overall cost for comparison DYNAMIC DYNAMIC
    Repayment or Interest-Only? DYNAMIC DYNAMIC
    Max % loan to value (LTV) DYNAMIC DYNAMIC
    Product fees DYNAMIC DYNAMIC
    Additional benefits DYNAMIC DYNAMIC

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