Product detail

Notices

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Please note that the Premium Saver (5) has now been withdrawn from sale.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

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
2.39% 3 year discounted rate by 2.00%							Compare
2.39%	4.39%	4.1%APRC	Interest-Only	60%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Purchase, remortgage, product switch and further advance · Discount - 2.00% applied to our Managed Mortgage Rate for 3 years · Minimum rate - 2.29% · Loan to Value - Maximum 60% · Fees: - Application fee - £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switches - Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount - ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount · Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for the third year · Maximum loan - No maximum. · Minimum loan - £2,000 for further advance. No minimum for product switches · Cost for comparison - 4.1% APRC See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.44% 2 year fixed rate							Compare
2.44%	4.39%	4.1%APRC	Repayment	60%	£999~	£500 cashback for remortgages^	More info Less info
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More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - Maximum 60% Application fee - £175 (£125 for further advance, £0 for product switch) Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch) ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch) Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024 Maximum loan - No maximum. Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches. Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.49% 3 year discounted rate by 2.65%							Compare
2.49%	5.14%	4.8%APRC	Interest-Only Repayment	60%	£999~		More info Less info
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More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Discount - 2.65% applied to our Residential Investment Managed Mortgage Rate for 3 years Minimum rate - 2.39% Loan to Value - Maximum 60% Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. · Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.54% 2 year fixed rate JMSO							Compare
2.54%	4.39%	4.2%APRC	Repayment	60%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee (£125 for further advance. £0 for product switch). Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch) ^~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch) Maximum loan - £500,000. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.54% 2 year fixed rate							Compare
2.54%	4.39%	4.1%APRC	Repayment	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - 80% Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for product switch) Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£125 for further advance, £0 for product switch) ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£125 for further advance, £0 for product switch) ^Cashback - £500 for remortgage applications Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024 Maximum loan - No maximum Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches. Additional criteria - The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.54% 3 year discounted rate by 1.85%							Compare
2.54%	4.39%	4.1%APRC	Interest-Only	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase and remortgage Discount - 1.85% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.44% Loan to Value - Maximum 80% Application fee - £175 + Valuation Fee Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Minimum loan - £45,000 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 5 year fixed rate							Compare
2.64%	4.39%	3.6%APRC	Repayment	60%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch) Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch) ^~Product fee - £999 for loans up to £500,000. (£0 for further advance. £0 for product switch) Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 3 year discounted rate by 2.50%							Compare
2.64%	5.14%	4.8%APRC	Interest-Only Repayment	70%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Discount - 2.50% applied to our Residential Investment Managed Mortgage Rate for 3 years Minimum rate - 2.54% Loan to Value - 70% Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees. Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See ‘more downloads’ for product switch and further advance fees. Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 2 year fixed rate JMSO							Compare
2.64%	4.39%	4.2%APRC	Repayment	80%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Loan to Value - 80%. Application fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch) Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch) ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch) Maximum loan - £500,000. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 2% until 30/04/2023,1% until 30/04/2024 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.64% 3 year fixed rate							Compare
2.64%	4.39%	3.9%APRC	Interest-Only	60%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Product switch and further advance LTV - Maximum 60%. Application Fee - £125 for further advance. £0 for product switches. Valuation Fees - £0 Product Fee - £0 Cashback - £0 Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 3.9% APRC Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.69% 3 year discounted rate by 1.70% JMSO							Compare
2.69%	4.39%	4.2%APRC	Interest-Only	60%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Discount - 1.70% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.59% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees. 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. (£0 for further advance. £0 for product switch.) Maximum loan - £500,000. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.74% 3 year fixed rate							Compare
2.74%	5.14%	4.8%APRC	Interest-Only Repayment	60%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance LTV - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch) Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.74% 5 year fixed rate JMSO							Compare
2.74%	4.39%	3.8%APRC	Repayment	60%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Loan to Value - Maximum 60%. Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for switch) Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch) ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch) Maximum loan - £500,000. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.74% 5 year fixed rate							Compare
2.74%	4.39%	3.6%APRC	Repayment	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - 80% Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch) Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch) ^~Product Fee - £999 for loans up to £500,000. (£0 for further advances. £0 for product switch) Maximum loan - No maximum Minimum loan - - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.79% 3 year fixed rate							Compare
2.79%	4.39%	3.9%APRC	Interest-Only	80%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Product switch and further advance · Loan to Value - Maximum 80%. · Fees: - Application fee - £125 for further advance. £0 for product switches - Legal fees - £100 minimum for further advances. - Valuation fees - £0 · Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 · Maximum loan - No maximum. · Minimum loan - £2,000 for further advance. No minimum for product switches · Additional criteria – For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 5 year fixed rate Family Mortgage							Compare
2.84%	4.39%	4.0%APRC	Repayment	95%	£599~	£250 cashback for purchase applications^	More info Less info
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More info Less info Some key features of this mortgage Purpose - Family Mortgage applications for purchase, product switch and further advance Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available. Security options available - Security Account, Security Through Property, Offset Account. Find out more here. Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for switch) Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch) ~Product Fee - £599 Maximum loan - £500,000 Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £250 for purchase applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 2 year discounted rate by 1.65% Offset mortgage							Compare
2.84%	4.49%	4.3%APRC	Repayment	60%	£999~	£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction	More info Less info
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More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or payment reduction. Find out more about these options here Discount - 1.65% applied to our Managed Flexi Mortgage Rate for 2 years Minimum rate - 2.74% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. (£0 for further advance and switch) Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch) ^~Product Fee - £999 for loans up to £500,000. (£0 for further advance and switch) Additional benefits: - ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 2% in the first year, 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases. Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 5 year fixed rate JMSO							Compare
2.84%	4.39%	3.8%APRC	Repayment	80%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Loan to Value - 80%. Application fee - £175 + Valuation Fee (£125 for further advance. £0 for product switch) Valuation fees - Free ~Product fee - £599 for loans up to £500,000 Maximum loan - £500,000 Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 3 year fixed rate Family First Guarantor Mortgage							Compare
2.84%	4.39%	4.2%APRC	Interest-Only Repayment	95%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Product switch and further advance · Loan to Value - Maximum 95% · Fees: - Application fee - £125 for further advance. £0 for product switches - Legal fees - £100 minimum for further advances. - Valuation fees - £0 - Product fee - £0 · Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 · Maximum loan - No maximum. · Minimum loan - £2,000 for further advance. No minimum for product switches · Additional criteria – For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.84% 3 year discounted rate by 1.55% JMSO							Compare
2.84%	4.39%	4.2%APRC	Interest-Only	80%	£599~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages. Discount - 1.55% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.74% Loan to Value - Maximum 80%. Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.) Maximum loan - £500,000. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £500 cashback on completion for remortgage applications Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for the third year See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.89% 3 year fixed rate							Compare
2.89%	5.14%	4.8%APRC	Interest-Only Repayment	70%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Loan to Value - Maximum 70%. Application fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch) Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 Additional criteria – The mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.94% 5 year fixed rate							Compare
2.94%	5.14%	4.0%APRC	Interest-Only Repayment	60%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Product switch and further advance · Loan to Value - Maximum 60%. · Fees: - Application fee - £125 for further advance. £0 for product switches - Valuation Fees - £0 - Legal fees - £100 minimum for further advances - Product fee - £0 · Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.94% 2 year discounted rate by 1.55% Offset mortgage							Compare
2.94%	4.49%	4.3%APRC	Repayment	80%	£999~	£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or payment reduction. Find out more about these options here Discount - 1.55% applied to our Managed Flexi Mortgage Rate for 2 years Minimum rate - 2.84% Loan to Value - Maximum 80% Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. Additional benefits: - ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. Maximum loan - No maximum. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 2% in the first year, 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases. Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.99% 5 year fixed rate Retirement Interest-Only							Compare
2.99%	4.39%	3.9%APRC	Interest-Only	50%	£999~	£500 cashback for remortgages^ Overpayments allowed	More info Less info
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More info Less info Some key features of this mortgage Purpose - RIO applications for purchase, remortgage, product switch and further advance Loan to Value - Maximum 50% Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch) Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch) ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches Additional benefits: - ^Cashback - £500 on completion for remortgage applications Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027 Additional criteria – The mortgage must complete by 01/06/2022. Borrowers are required to nominate a Registered Contact when they apply See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
2.99% 3 year discounted rate by 1.40% for Expats							Compare
2.99%	4.39%	4.1%APRC	Interest-Only	60%	£999~	£500 cashback for remortgages^	More info Less info
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More info Less info Some key features of this mortgage Purpose - Expat for purchase, remortgage, product switch and further advance Discount - 1.40% applied to our Managed Mortgage Rate for 3 years Minimum rate - 2.89% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee for purchase and remortgage. Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. Additional benefits: - ^Cashback - £500 on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches Additional criteria - We require a UK address for the serving of notice See our full list of countries currently considered for Expat applications See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.09% 3 year discounted rate by 2.05% for Expats							Compare
3.09%	5.14%	4.9%APRC	Interest-Only	60%	£999~		More info Less info
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More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Discount - 2.05% applied to our Residential Investment Managed Mortgage Rate for 3 years Minimum rate - 2.99% Loan to Value - Maximum 60% Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year Additional information: Please refer to our lending criteria for a full list of countries currently considered for expat applications. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.09% 5 year fixed rate							Compare
3.09%	5.14%	4.1%APRC	Interest-Only Repayment	70%	£0		More info Less info
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More info Less info Some key features of this mortgage · Purpose - Product switch and further advance · Loan to Value - 70% · Fees: - Application fee - £125 for further advance. £0 for product switches - Valuation Fees - £0 - Legal fees - £100 minimum for further advances - Product fee - £0 · Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.14% 10 year discounted rate by 1.25% Retirement Lifestyle Booster							Compare
3.14%	4.39%	3.4%APRC	Interest-Only	25%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Remortgage Discount - 1.25% applied to our Managed Mortgage Rate for 10 years Minimum rate - 3.04% Loan to Value - Maximum 25% Application fee - £175 + Valuation Fee Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. Additional benefits: - ^Cashback - £500 on completion for remortgage applications. Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year. Maximum loan - No maximum. Minimum loan - £45,000. Additional criteria - Minimum property value is £240,000 if property owned outright or £180,000 if repaying existing mortgage. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.14% 3 year fixed rate Limited Company							Compare
3.14%	5.14%	4.9%APRC	Interest-Only Repayment	60%	£1,499~		More info Less info
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More info Less info Some key features of this mortgage Purpose - Buy to Let Limited Company Purchase, remortgage, product switch and further advance Loan to Value - Maximum 60%. Application fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch) Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ~Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 Additional criteria – The mortgage must complete by 01/06/2022 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 or 68209 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.14% 2 year discounted rate by 2.00% Offset Mortgage							Compare
3.14%	5.14%	5.1%APRC	Interest-Only Repayment	60%	£999~	£100 cashback^ Payment reduction Term reduction	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or Payment reduction. Find out more about these options here Discount - 2.00% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum rate - 3.04% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch) Valuation Fees (Purchase)* - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £100 for purchase and remortgage Early Repayment Charges - 2% in the first year and 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.14% 3 year discounted rate by 1.25% for Expats							Compare
3.14%	4.39%	4.1%APRC	Interest-Only	80%	£999~	£500 cashback for remortgages^	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Expat for purchase, remortgage, product switch and further advance Discount - 1.25% applied to our Managed Mortgage Rate for 3 years Minimum rate - 3.04% Loan to Value - Maximum 80%. Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. Additional benefits: - ^Cashback - £500 on completion for remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional criteria - We require a UK address for the serving of notice. See our expat page for our full list of countries currently considered for expat applications. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.19% 5 year fixed rate for expats							Compare
3.19%	5.14%	4.5%APRC	Interest-Only	60%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Expat product switch and further advance Loan to Value - Maximum 60% Application fee - £125 for further advance. £0 for product switch Valuation Fees - £0 Legal fees - £100 minimum for further advances Product fee - £0 Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £2,000 for further advance. No minimum for product switches. Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.24% 3 year discounted rate by 1.90% for Expats							Compare
3.24%	5.14%	5.0%APRC	Interest-Only	70%	£999~		More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Purchase, remortgage, product switch and further advance Discount - 1.90% applied to our Residential Investment Managed Mortgage Rate for 3 years Minimum rate - 3.14% Loan to Value - Maximum 70% Application fee - £175 + Valuation Fee for purchase and remortgage. Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application. Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year Additional information: Please refer to our lending criteria for a full list of countries currently considered for expat applications. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.24% 5 year fixed rate Limited Company							Compare
3.24%	5.14%	4.7%APRC	Interest-Only Repayment	60%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose -Buy to Let Limited Company product switch and further advance · Loan to Value - Maximum 60%. · Fees - Application Fee - £125 for further advance. £0 for product switches - Valuation Fees - £0 - Legal fees - £100 minimum for further advances - Product Fee - £0 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 · Cost for comparison - 4.7% APRC · Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.29% 2 year discounted rate by 1.85% Offset Mortgage							Compare
3.29%	5.14%	5.1%APRC	Interest-Only Repayment	70%	£999~	£100 cashback^ Payment reduction Term reduction	More info Less info
Compare
More info Less info Some key features of this mortgage Purpose - Offset applications for purchase, remortgage, product switch and further advance Options available - Term reduction or Payment reduction. Find out more about these options here Discount - 1.85% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum rate - 3.19% Loan to Value - Maximum 70%. Application Fee - £175 + Valuation Fee. Valuation Fees (Purchase)* - Based on the greater of the purchase price or value of the property. (£0 for further advance and switch) Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch) Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Additional benefits: - ^Cashback - £100 for purchase and remortgage Early Repayment Charges - 2% in the first year, 1% in the second year Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.29% 3 year fixed rate Limited Company							Compare
3.29%	5.14%	5.0%APRC	Interest-Only Repayment	70%	£1,499~		More info Less info
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More info Less info Some key features of this mortgage Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance Loan to Value - Maximum 70%. Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch) Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. Valuation Fees (Further advance and Product Switch) - £0 Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. ~Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch) Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025 Additional criteria – The mortgage must complete by 01/06/2022 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 or 68209 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.34% 5 year fixed rate for expats							Compare
3.34%	5.14%	4.6%APRC	Interest-Only	70%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Expat product switch and further advance · Loan to Value - 70% · Fees: - Application fee - £125 for further advance. £0 for product switch - Valuation Fees - £0 - Legal fees - £100 minimum for further advances - Product fee - £0 · Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
3.39% 5 year fixed rate Limited Company							Compare
3.39%	5.14%	4.7%APRC	Interest-Only Repayment	70%	£0		More info Less info
Compare
More info Less info Some key features of this mortgage · Purpose - Buy to Let Limited Company product switch and further advance · Loan to Value - Above 60% · Fees: - Application Fee - £125 for further advance. £0 for product switches - Valuation Fees - £0 - Legal fees - £100 minimum for further advances - Product Fee - £0 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 · Additional criteria - For further advances the mortgage must complete by 01/06/2022 See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

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2.39% 3 year discounted rate by 2.00%

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2.44% 2 year fixed rate

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2.49% 3 year discounted rate by 2.65%

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2.54% 2 year fixed rate JMSO

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2.54% 2 year fixed rate

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2.54% 3 year discounted rate by 1.85%

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2.64% 5 year fixed rate

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2.64% 3 year discounted rate by 2.50%

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2.64% 2 year fixed rate JMSO

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2.64% 3 year fixed rate

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2.69% 3 year discounted rate by 1.70% JMSO

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2.74% 3 year fixed rate

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2.74% 5 year fixed rate JMSO

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2.74% 5 year fixed rate

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2.79% 3 year fixed rate

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2.84% 5 year fixed rate Family Mortgage

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2.84% 2 year discounted rate by 1.65% Offset mortgage

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2.84% 5 year fixed rate JMSO

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2.84% 3 year fixed rate Family First Guarantor Mortgage

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2.84% 3 year discounted rate by 1.55% JMSO

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2.89% 3 year fixed rate

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2.94% 5 year fixed rate

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2.94% 2 year discounted rate by 1.55% Offset mortgage

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2.99% 5 year fixed rate Retirement Interest-Only

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2.99% 3 year discounted rate by 1.40% for Expats

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3.09% 3 year discounted rate by 2.05% for Expats

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3.09% 5 year fixed rate

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