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5.04% 2 Year Fixed Rate to 30/11/2027 (XF1026)

Code XF1026
30/11/2027 7.94% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.2% APRC.

4.94% 2 Year Fixed Rate to 30/11/2027 (XF1025)

Code XF1025
30/11/2027 7.94% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.1% APRC.

5.19% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1028)

Code XF1028
30/11/2027 7.94% 90% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 30/11/2027
  • *Application Fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.09% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1027)

Code XF1027
30/11/2027 7.94% 80% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • *Application Fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 7.6% APRC.

4.89% 5 Year Fixed Rate to 31/10/2030 (XF1031)

Code XF1031
31/10/2030 7.94% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.1% APRC.

4.99% 5 Year Fixed Rate to 31/10/2030 (XF1032)

Code XF1032
31/10/2030 7.94% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.1% APRC.

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1040)

Code XF1040
30/11/2027 7.94% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.6% APRC.

5.14% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1033)

Code XF1033
31/10/2030 7.94% 80% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • *Application Fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 7.0% APRC.

5.24% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1034)

Code XF1034
31/10/2030 7.94% 90% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2030
  • *Application Fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.0% APRC.

5.29% Family Mortgage 5 Year Fixed Rate to 31/10/2030 (XF1035)

Code XF1035
31/10/2030 7.94% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/10/2030
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.1% APRC.

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1041)

Code XF1041
30/11/2027 7.94% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.6% APRC.

5.44% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1042)

Code XF1042
30/11/2027 7.94% 60% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1045)

Code XF1045
31/10/2030 7.94% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.8% APRC.

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1046)

Code XF1046
31/10/2030 7.94% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.9% APRC.

5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)

Code XFZ029
31/10/2030 7.94% 50% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/10/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 7.0% APRC.

5.24% 2 Year Fixed Rate to 30/11/2027 (XF1048)

Code XF1048
30/11/2027 8.69% 60% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.

5.39% 2 Year Fixed Rate to 30/11/2027 (XF1049)

Code XF1049
30/11/2027 8.69% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2027
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.

5.29% 5 Year Fixed Rate to 30/11/2030 (XF1050)

Code XF1050
30/11/2030 8.69% 60% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.6% APRC.

5.44% 5 Year Fixed Rate to 30/11/2030 (XF1051)

Code XF1051
30/11/2030 8.69% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.7% APRC.

5.39% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1053)

Code XF1053
30/11/2027 8.69% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

4.89% 5 Year Fixed Rate to 31/10/2030 (XF1031)

4.89% 7.94% 6.1%APRC
  • Repayment
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.1% APRC.

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

4.89% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1056)

4.89% 8.69% 7.7%APRC
  • Interest-Only
  • Repayment
60% 3.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 3% of the loan amount, subject to a minimum of £1,500
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.7% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

4.89% 5 Year Fixed Rate to 31/10/2030 (XF1031)

4.89% 7.94% 5.5%APRC
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 5.5% APRC.

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

4.94% 2 Year Fixed Rate to 30/11/2027 (XF1025)

4.94% 7.94% 6.7%APRC
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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

4.94% 3 Year Fixed Rate to 31/10/2028 (XF1029)

4.94% 7.94% 6.3%APRC
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/10/2028
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% until 31/10/2026, 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.3% APRC.

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

4.94% 2 Year Fixed Rate to 30/11/2027 (XF1025)

4.94% 7.94% 7.1%APRC
  • Repayment
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.1% APRC.

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

4.99% 5 Year Fixed Rate to 31/10/2030 (XF1032)

4.99% 7.94% 6.1%APRC
  • Repayment
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.1% APRC.

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

4.99% 5 Year Fixed Rate to 31/10/2030 (XF1032)

4.99% 7.94% 5.6%APRC
  • Repayment
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

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

5.04% 3 Year Fixed Rate to 31/10/2028 (XF1030)

5.04% 7.94% 6.4%APRC
  • Repayment
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/10/2028
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% until 31/10/2026, 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.4% APRC.

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

5.04% 2 Year Fixed Rate to 30/11/2027 (XF1026)

5.04% 7.94% 6.8%APRC
  • Repayment
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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

5.04% 2 Year Fixed Rate to 30/11/2027 (XF1038)

5.04% 7.94% 7.6%APRC
  • Interest-Only
60% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £4,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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

5.04% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1057)

5.04% 8.69% 7.7%APRC
  • Interest-Only
  • Repayment
75% 3.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 3% of the loan amount, subject to a minimum of £1,500
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.7% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

5.04% 2 Year Fixed Rate to 30/11/2027 (XF1026)

5.04% 7.94% 7.2%APRC
  • Repayment
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.2% APRC.

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

5.09% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1027)

5.09% 7.94% 7.6%APRC
  • Repayment
80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • Application fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £1,000,000. 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
  • Cost for comparison - 7.6% APRC.

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

5.09% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1027)

5.09% 7.94% 7.4%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
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £1,000,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC.

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

5.14% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1033)

5.14% 7.94% 7.0%APRC
  • Repayment
80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • Application fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £1,000,000. 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
  • Cost for comparison - 7.0% APRC.

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

5.14% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1033)

5.14% 7.94% 6.7%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
  • Loan to Value - 80%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £1,000,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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

5.19% 2 Year Fixed Rate to 30/11/2027 (XF1039)

5.19% 7.94% 7.6%APRC
  • Interest-Only
80% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £2,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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

5.19% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1028)

5.19% 7.94% 7.6%APRC
  • Repayment
90% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 30/11/2027
  • Application fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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

5.19% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1028)

5.19% 7.94% 7.5%APRC
  • Repayment
90% £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
  • Loan to Value - 90%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

5.24% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1034)

5.24% 7.94% 7.0%APRC
  • Repayment
90% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2030
  • Application fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.0% APRC.

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

5.24% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1052)

5.24% 8.69% 8.3%APRC
  • Interest-Only
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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

5.24% FFGM 5 Year Fixed Rate to 31/10/2030 (XF1047 - RP)

5.24% 7.94% 7.1%APRC
  • Repayment
95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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

5.24% 2 Year Fixed Rate to 30/11/2027 (XF1048)

5.24% 8.69% 7.9%APRC
  • Interest-Only
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC.

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

5.24% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1034)

5.24% 7.94% 6.7%APRC
  • Repayment
90% £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
  • Loan to Value - 90%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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

5.24% 2 Year Fixed Rate to 30/11/2027 (XF1048)

5.24% 8.69% 8.4%APRC
  • Interest-Only
  • Repayment
60% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.

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

5.24% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1052)

5.24% 8.69% 8.4%APRC
  • Interest-Only
  • Repayment
60% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

5.24% FFGM 5 Year Fixed Rate to 31/10/2030 (XF1047 - IO)

5.24% 7.94% 7.3%APRC
  • Interest-Only
95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £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.

5.29% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1054)

5.29% 8.69% 7.5%APRC
  • Interest-Only
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1043)

5.29% 7.94% 6.8%APRC
  • Interest-Only
60% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

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

5.29% Family Mortgage 5 Year Fixed Rate to 31/10/2030 (XF1035)

5.29% 7.94% 7.1%APRC
  • Repayment
95% £0~

Some key features of this mortgage

  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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

5.29% Expat 2 Year Fixed Rate to 30/11/2027 (XF1060)

5.29% 8.69% 8.3%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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

5.29% 5 Year Fixed Rate to 30/11/2030 (XF1050)

5.29% 8.69% 6.8%APRC
  • Interest-Only
  • Repayment
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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

5.29% 5 Year Fixed Rate to 30/11/2030 (XF1050)

5.29% 8.69% 7.6%APRC
  • Interest-Only
  • Repayment
60% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.6% APRC.

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

5.29% Family Mortgage 5 Year Fixed Rate to 31/10/2030 (XF1035)

5.29% 7.94% 7.1%APRC
  • Repayment
95% £599~

£250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/10/2030
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.1% APRC.

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

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1045)

5.29% 7.94% 6.8%APRC
  • Interest-Only
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.8% APRC.

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

5.29% Expat 2 Year Fixed Rate to 30/11/2027 (XF1060)

5.29% 8.69% 8.5%APRC
  • Interest-Only
60% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.5% APRC.

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

5.29% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1054)

5.29% 8.69% 7.6%APRC
  • Interest-Only
  • Repayment
60% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.6% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1045)

5.29% 7.94% 6.4%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.4% APRC.

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

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

5.34% 8.69% 7.8%APRC
  • Interest-Only
60% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

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

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1036)

5.34% 7.94% 7.5%APRC
  • Interest-Only
60% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

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

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

5.34% 8.69% 7.5%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1040)

5.34% 7.94% 7.6%APRC
  • Interest-Only
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.6% APRC.

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

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1040)

5.34% 7.94% 7.4%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC.

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

5.39% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1053)

5.39% 8.69% 8.4%APRC
  • Interest-Only
  • Repayment
75% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

5.39% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1053)

5.39% 8.69% 8.3%APRC
  • Interest-Only
  • Repayment
75% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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

5.39% 2 Year Fixed Rate to 30/11/2027 (XF1049)

5.39% 8.69% 8.4%APRC
  • Interest-Only
  • Repayment
75% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.4% APRC.

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

5.39% 2 Year Fixed Rate to 30/11/2027 (XF1049)

5.39% 8.69% 8.0%APRC
  • Interest-Only
  • Repayment
75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

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

5.44% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1042)

5.44% 7.94% 7.8%APRC
  • Interest-Only
60% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

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

5.44% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1055)

5.44% 8.69% 7.7%APRC
  • Interest-Only
  • Repayment
75% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.7% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1046)

5.44% 7.94% 6.9%APRC
  • Interest-Only
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 6.9% APRC.

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

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1044)

5.44% 7.94% 6.9%APRC
  • Interest-Only
80% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

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

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1046)

5.44% 7.94% 6.5%APRC
  • Interest-Only
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £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.

5.44% Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1055)

5.44% 8.69% 7.6%APRC
  • Interest-Only
  • Repayment
75% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £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.

5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)

5.44% 8.69% 8.5%APRC
  • Interest-Only
75% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.5% APRC.

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

5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)

5.44% 8.69% 8.3%APRC
  • Interest-Only
75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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

5.44% 5 Year Fixed Rate to 30/11/2030 (XF1051)

5.44% 8.69% 7.7%APRC
  • Interest-Only
  • Repayment
75% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.7% APRC.

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

5.44% 5 Year Fixed Rate to 30/11/2030 (XF1051)

5.44% 8.69% 6.9%APRC
  • Interest-Only
  • Repayment
75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

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

5.44% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1042)

5.44% 7.94% 7.7%APRC
  • Interest-Only
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
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £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.

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1037)

5.49% 7.94% 7.6%APRC
  • Interest-Only
80% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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

5.49% HMO Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1058)

5.49% 8.69% 8.3%APRC
  • Interest-Only
  • Repayment
70% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1041)

5.49% 7.94% 7.6%APRC
  • Interest-Only
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 7.6% APRC.

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

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1041)

5.49% 7.94% 7.4%APRC
  • Interest-Only
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC.

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

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

5.49% 8.69% 7.8%APRC
  • Interest-Only
75% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

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

5.49% HMO Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1058)

5.49% 8.69% 8.5%APRC
  • Interest-Only
  • Repayment
70% 1.00%~

Some key features of this mortgage

  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/11/2027
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • 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
  • Cost for comparison - 8.5% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

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

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

5.49% 8.69% 7.6%APRC
  • Interest-Only
75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £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.

5.54% HMO Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1059)

5.54% 8.69% 7.6%APRC
  • Interest-Only
  • Repayment
70% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £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.

5.54% Expat 5 Year Fixed Rate to 30/11/2030 (XF1064)

5.54% 8.69% 7.9%APRC
  • Interest-Only
75% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.9% APRC.

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

5.54% HMO Ltd Co 5 Year Fixed Rate to 30/11/2030 (XF1059)

5.54% 8.69% 7.8%APRC
  • Interest-Only
  • Repayment
70% 1.00%~

Some key features of this mortgage

  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

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

5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)

5.54% 7.94% 7.0%APRC
  • Interest-Only
50% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/10/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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
  • Cost for comparison - 7.0% APRC.

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

5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)

5.54% 7.94% 6.9%APRC
  • Interest-Only
50% £0~

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 31/10/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

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

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

5.94% 7.94% 7.5%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

5.94% 7.94% 7.7%APRC
  • Interest-Only
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - Maximum 60%
  • 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
  • ^Cashback - £500 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 - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

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

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.09% 7.94% 7.9%APRC
  • Interest-Only
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 - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC.

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

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.09% 7.94% 8.0%APRC
  • Interest-Only
60% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - Maximum 60%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

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

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.19% 7.94% 7.8%APRC
  • Interest-Only
60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.8% APRC.

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

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.19% 7.94% 7.8%APRC
  • Interest-Only
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • 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
  • ^Cashback - £500 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 - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

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

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.19% 7.94% 7.6%APRC
  • Interest-Only
80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £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.

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.19% 7.94% 8.0%APRC
  • Interest-Only
60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - Maximum 60%
  • 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
  • ^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 - £100,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

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

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.34% 7.94% 8.0%APRC
  • Interest-Only
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 - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

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

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.34% 7.94% 8.0%APRC
  • Interest-Only
80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

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

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

6.44% 7.94% 8.1%APRC
  • Interest-Only
80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • 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
  • ^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 - £100,000 for Purchase and Remortgage
  • Cost for comparison - 8.1% APRC.

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

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

6.44% 7.94% 7.9%APRC
  • Interest-Only
80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.9% APRC.

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

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.

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.

More about who we areView our awards

Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

Existing customers

Savings - 03330 140144
 savings.service@familybsoc.co.uk

Mortgages - 03330 140146
 mortgage.service@familybsoc.co.uk

...or ask the way that suits you.

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