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

  • Monthly savings statements - From May we will be sending future monthly statements of electronic transactions on your savings account by email. More details on how to view your statement and the new process can be found here.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.00% on 5 May 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 June 2022. We are reviewing our other variable savings rates and will notify customers of any interest rate increase on their account. Tracker mortgages will change on 25 June 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 06/05/2022)

Product coming to an end?

Individual Buy to Let mortgages for product switch

See our current range of individual Buy to Let mortgage products available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available on a Capital and Interest Repayment or Interest-Only basis 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.

Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority (FCA).

 

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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

2.49% 3 year discounted rate by 3.05%

2.49% 5.54% 5.1%APRC
  • Interest-Only
  • Repayment
60% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Discount - 3.05% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 2.49% 
  • LTV - Maximum 60%
  • 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 the loan amount.(£0 for further advance and switch)
  • Early Repayment Charges - 3% in the first year, 2% in the second year and 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 - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.1% APRC

See full details for fee details, documents you'll need, and more.

2.64% 3 year discounted rate by 2.90%

2.64% 5.54% 5.1%APRC
  • Interest-Only
  • Repayment
70% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Discount - 2.90% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 2.64% 
  • Loan to Value - Maximum 70%
  • 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 (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 the loan amount. See ‘more downloads’ for product switch and further advance fees. (£0 for further advance, £0 for 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% in the first year, 2% in the second year and 1% in the third year
  • Cost for comparison - 5.1% APRC

See full details for fee details, documents you'll need, and more.

2.94% 3 year fixed rate until 31/05/2025

2.94% 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 - 31/05/2025
  • 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 31/05/2023, 2% until 31/05/2024 and 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 - £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 01/08/2022

See full details for fee details, documents you'll need, and more.

3.04% 5 year fixed rate until 30/04/2027

3.04% 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 - 30/04/2027
  • 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 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027
  • 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 01/08/2022 











See full details for fee details, documents you'll need, and more.

3.09% 3 year fixed rate until 31/05/2025

3.09% 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 - 31/05/2025
  • 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 31/05/2023, 2% until 31/05/2024 and 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 - £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 01/08/2022

See full details for fee details, documents you'll need, and more.

3.14% 2 year discounted rate by 2.40% Offset Mortgage

3.14% 5.54% 5.4%APRC
  • Interest-Only
  • Repayment
60% £999~
  • £100 cashback^
  • Payment reduction
  • 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 - 2.40% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 3.14% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee (£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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of 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.
  • Cost for comparison - 5.4% APRC
  • Additional benefits:
     - ^Cashback
    - £100 for purchase and remortgage
  • Early Repayment Charges - 2% in the first year and 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 of £100 will be used to open your linked Offset Saver account.

See full details for fee details, documents you'll need, and more.

3.19% 5 year fixed rate until 30/04/2027

3.19% 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 - 30/04/2027
  • 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 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027
  • 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 01/08/2022 











See full details for fee details, documents you'll need, and more.

3.29% 2 year discounted rate by 2.25% Offset Mortgage

3.29% 5.54% 5.4%APRC
  • Interest-Only
  • Repayment
70% £999~
  • £100 cashback^
  • Payment reduction
  • 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 - 2.25% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 3.29% 
  • Loan to Value - Maximum 70%.
  • Application Fee - £175 + Valuation Fee. (£125 for further advance and £0 for product switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. (£0 for further advance and switch)
  • Valuation Fees (Remortgage) - 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)
  • 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 and £0 for product 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.
  • Cost for comparison - 5.4% APRC
  • Additional benefits:
     - ^Cashback
     - £100 for purchase and remortgage
  • 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 of £100 will be used to open your linked Offset Saver account.

See full details for fee details, documents you'll need, and more.

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.