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

2.59% 2 year fixed rate
2.59% 4.39% 4.1%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • 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. See 'more downloads' for product switch and further advance fees.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See 'more downloads' for product switch and further advance fees.
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/09/2022, 1% until 30/09/2023
  • 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 01/11/2021

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2.69% 2 year fixed rate JMSO
2.69% 4.39% 4.2%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

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 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product Fee - £999 for loans up to £500,000. See ‘more downloads’ for product switch and further advance fees.     
  • 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 30/09/2022, 1% until 30/09/2023 
  • Additional criteria – The mortgage must complete by 01/11/2021

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2.74% 3 year discounted rate by 1.65%
2.74% 4.39% 3.9%APRC
  • Interest-Only
 60% £0

Some key features of this mortgage

· Purpose - Product switch and further advance 
· Discount - 1.65% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.64% 
· Loan to Value - Maximum 60%
· 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% 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
· Additional criteria – For further advances the mortgage must complete by 01/07/2021
 

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2.84% 2 year fixed rate
2.84% 4.39% 4.2%APRC
  • Repayment
 75% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 75%
  • 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. See 'more downloads' for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See 'more downloads' for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/09/2022, 1% until 30/09/2023
  • 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 01/11/2021

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2.84% 2 year discounted rate by 1.65% Offset mortgage
2.84% 4.49% 4.4%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.65% 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. 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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.

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2.89% 3 year discounted rate by 2.25%
2.89% 5.14% 4.9%APRC
  • Interest-Only
  • Repayment
 60% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Discount - 2.25% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 2.79% 
  • 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 (Purchase) - Based on the greater of the purchase price or value of the property. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees
  • ~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

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2.94% 2 year fixed rate JMSO
2.94% 4.39% 4.2%APRC
  • Repayment
 75% £999~ £500 cashback for remortgages^

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 75%.
  • 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. See ‘more downloads’ for product switch and further advance fees.
  • 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 30/09/2022,1% until 30/09/2023
  • Additional criteria – The mortgage must complete by 01/11/2021

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2.99% 3 year discounted rate by 1.40%
2.99% 4.39% 4.0%APRC
  • Interest-Only
 75% £0

Some key features of this mortgage

· Purpose - 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 75%.
· 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% 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
 

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3.04% 3 year fixed rate
3.04% 5.14% 4.8%APRC
  • Interest-Only
  • Repayment
 60% £999~

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. 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~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% until 30/09/2022, 2% until 30/09/2023, 1% until 30/09/2024
  • Additional criteria – The mortgage must complete by 01/11/2021

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3.09% 2 year discounted rate by 1.40% Offset mortgage
3.09% 4.49% 4.5%APRC
  • Repayment
 75% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.40% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.99% 
  • Loan to Value - Maximum 75%
  • 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. See ‘more downloads’ for product switch and further advance fees.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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.

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3.09% 5 year fixed rate
3.09% 4.39% 3.7%APRC
  • Repayment
 60% £0~  

Some key features of this mortgage

  • Purpose - Product switch and further advance 
  • Loan to Value - Maximum 60%
  • Application Fee - £125 for further advance. £0 for product switch
  • Valuation Fees - £0
  • ~Product fee - £0  
  • Maximum loan - No maximum.
  • Minimum loan - £2,000 for further advance. No minimum for product switches. 
  • Additional benefits:
    - ^Cashback     - £0
  • Early Repayment Charges - 5% until 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025, 1% until 30/09/2026
  • Additional criteria – For further advances the mortgage must complete by 01/11/2021
 

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3.09% 3 year fixed rate
3.09% 4.39% 4.1%APRC
  • Interest-Only
 60% £0

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 30/09/2022, 2% until 30/09/2023 1% until 30/09/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.1% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/11/2021

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3.09% 3 year discounted rate by 1.30% JMSO
3.09% 4.39% 4.2%APRC
  • Interest-Only
 60% £999~ £500 cashback for remortgages^

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 - 1.30% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.99% 
  • 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product Fee - £999 for loans up to £500,000. See ‘more downloads’ for product switch and further advance fees.
  • 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

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3.14% 2 year discounted rate by 2.00% Offset Mortgage
3.14% 5.14% 5.1%APRC
  • Interest-Only
  • Repayment
 60% £999~
  • £100 cashback^
  • Payment reduction
  • Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or Payment reduction. Find out more about these options here
  • Discount - 2.00% 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 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~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.
  • 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.

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3.19% 5 year fixed rate JMSO
3.19% 4.39% 4.0%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

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 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product Fee - £999 for loans up to £500,000. See ‘more downloads’ for product switch and further advance fees.
  • 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 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025, 1% until 30/09/2026
  • Additional criteria – The mortgage must complete by 01/11/2021
 

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3.19% 3 year discounted rate by 1.95%
3.19% 5.14% 5.0%APRC
  • Interest-Only
  • Repayment
 65% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Discount - 1.95% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 3.09% 
  • Loan to Value - Maximum 65%
  • 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~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

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3.19% 3 year fixed rate Limited Company
3.19% 5.14% 4.9%APRC
  • Interest-Only
  • Repayment
 60% £1,499~

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. 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~Product fee - £1,499 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% until 30/09/2022, 2% until 30/09/2023, 1% until 30/09/2024
  • Additional criteria – The mortgage must complete by 01/11/2021

  • 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
 

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3.24% 5 year fixed rate
3.24% 5.14% 4.7%APRC
  • Interest-Only
  • Repayment
 60% £0

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 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026
· 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 01/11/2021
 

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3.29% 3 year discounted rate by 1.10%
3.29% 4.39% 4.2%APRC
  • Interest-Only
 60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Discount - 1.10% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.19% 
  • 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. 
  • 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

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3.34% 5 year fixed rate
3.34% 4.39% 3.9%APRC
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Product switch and further advance 
  • Loan to Value - Maximum 75%
  • Application Fee - £125 for further advances. £0 for product switch.
  • Valuation Fees - £0
  • ~Product Fee - £0
  • Maximum loan - No maximum
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    - ^Cashback     - £0
  • Early Repayment Charges - 5% until 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025, 1% until 30/09/2026
  • Additional criteria – For further advances the mortgage must complete by 01/11/2021
 

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3.34% 3 year discounted rate by 1.05% JMSO
3.34% 4.39% 4.3%APRC
  • Interest-Only
 75% £999~ £500 cashback for remortgages^

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 - 1.05% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.24% 
  • Loan to Value - Maximum 75%.
  • 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. See ‘more downloads’ for product switch and further advance fees.         
  • 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

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3.34% 3 year fixed rate
3.34% 4.39% 4.2%APRC
  • Interest-Only
 75% £0

Some key features of this mortgage

· Purpose - Product switch and further advance 
· Loan to Value - Maximum 75%.
· 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 30/09/20222% until 30/09/2023 1% until 30/09/2024
· 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 01/11/2021

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3.34% 3 year fixed rate
3.34% 5.14% 4.9%APRC
  • Interest-Only
  • Repayment
 65% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Loan to Value - Maximum 65%.
  • 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~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% until 30/09/2022, 2% until 30/09/2023, 1% until 30/09/2024
  • Additional criteria – The mortgage must complete by 01/11/2021
 

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3.39% 5 year fixed rate Limited Company
3.39% 5.14% 4.8%APRC
  • Interest-Only
  • Repayment
 60% £0

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 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026
· Cost for comparison - 4.8% APRC
· Additional criteria - For further advances the mortgage must complete by 01/11/2021


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3.39% 3 year fixed rate Family First Guarantor Mortgage
3.39% 4.39% 4.5%APRC
  • Interest-Only
  • Repayment
 95% £0

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 30/09/2022 2% until 30/09/2023 1% until 30/09/2024
· 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 01/11/2021

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3.44% 10 year discounted rate by 0.95% Retirement Lifestyle Booster
3.44% 4.39% 3.7%APRC
  • Interest-Only
 25% £999~

Some key features of this mortgage

  • Purpose - Remortgage
  • Discount - 0.95% applied to our Managed Mortgage Rate for 10 years
  • Minimum rate - 3.34% 
  • 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.

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3.44% 2 year discounted rate by 1.70% Offset Mortgage
3.44% 5.14% 5.2%APRC
  • Interest-Only
  • Repayment
 65% £999~
  • £100 cashback^
  • Payment reduction
  • Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or Payment reduction. Find out more about these options here
  • Discount - 1.70% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 3.34% 
  • Loan to Value - Maximum 65%.
  • 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~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.
  • 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.

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3.44% 5 year fixed rate JMSO
3.44% 4.39% 4.1%APRC
  • Repayment
 75% £999~ £500 cashback for remortgages^

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 75%.
  • 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025, 1% until 30/09/2026
  • Additional criteria – The mortgage must complete by 01/11/2021 

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3.49% 3 year fixed rate Limited Company
3.49% 5.14% 5.0%APRC
  • Interest-Only
  • Repayment
 65% £1,499~

Some key features of this mortgage

  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 65%.
  • 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. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~Product fee - £1,499 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% until 30/09/2022, 2% until 30/09/2023, 1% until 30/09/2024
  • Additional criteria – The mortgage must complete by 01/11/2021                   
  • 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
 

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3.49% 5 year fixed rate Retirement Interest-Only
3.49% 4.39% 4.2APRC
  • Interest-Only
 50% £999**

£500 cashback for remortgages^

Overpayments allowed

Some key features of this mortgage

  • Purpose - RIO applications for purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 50%
  • 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. See ‘more downloads’ for product switch and further advance fees
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% 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
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  5% until 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025 1% until 30/09/2026
  • Additional criteria – The mortgage must complete by 01/11/2021. Borrowers are required to nominate a Registered Contact when they apply

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3.54% 3 year discounted rate by 0.85%
3.54% 4.39% 4.3%APRC
  • Interest-Only
 75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Discount - 0.85% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.44% 
  • Loan to Value -  Maximum 75%.
  • 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

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3.54% 5 year fixed rate
3.54% 5.14% 4.6%APRC
  • Interest-Only
  • Repayment
 65% £0

Some key features of this mortgage

· Purpose - 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 
· Early Repayment Charges - 5% until 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026
· 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 01/11/2021
 

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3.56% 3 year discounted rate by 0.83% for Expats
3.56% 4.39% 4.3APRC
  • Interest-Only
 60% £999~ £500 cashback for remortgages^
 

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance
  • Discount - 0.83% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.46% 
  • 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. See ‘more downloads’ for product switch and further advance fees 
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees
  • 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

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3.64% 5 year fixed rate Family Mortgage
3.64% 4.39% 3.9%APRC
  • Repayment
 95% £599~ £250 cashback for purchase applications^

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 for purchase. 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. See 'more downloads' for product switch and further advance fees.
  • ~Product Fee - £599  for purchase applications. See 'more downloads' for product switch and further advance fees.
  • 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 30/09/2022, 4% until 30/09/2023, 3% until 30/09/2024, 2% until 30/09/2025, 1% until 30/09/2026
  • Additional criteria – The mortgage must complete by 01/11/2021 

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3.69% 5 year fixed rate for expats
3.69% 5.14% 4.9%APRC
  • Interest-Only
 60% £0

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 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026   
  • 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 01/11/2021

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3.69% 5 year fixed rate Limited Company
3.69% 5.14% 4.9%APRC
  • Interest-Only
  • Repayment
 65% £0

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 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026
· Additional criteria - For further advances the mortgage must complete by 01/11/2021

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3.81% 3 year discounted rate by 0.58% for Expats
3.81% 4.39% 4.4APRC
  • Interest-Only
 75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance 
  • Discount - 0.58% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.71% 
  • Loan to Value - Maximum 75%.
  • 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. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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.
 

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3.99% 5 year fixed rate for expats
3.99% 5.14% 5.0%APRC
  • Interest-Only
 65% £0

Some key features of this mortgage

· Purpose - Expat product switch and further advance
· Loan to Value - Above 60%
· 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 31/08/2022, 4% until 31/08/2023, 3% until 31/08/2024, 2% until 31/08/2025, 1% until 31/08/2026     
· 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 01/11/2021

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3.99% 3 year discounted rate by 1.15% for Expats
3.99% 5.14% 5.1%APRC
  • Interest-Only
 60% £999~

Some key features of this mortgage

  • Purpose - Expat purchase and remortgage
  • Discount - 1.15% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 3.89% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. 
  • Valuation Fees - Based on the greater of the purchase price or value of the property
  • ~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.  
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications.                                                                                                                     
    The mortgage must complete by 01/11/2021
 

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4.29% 3 year discounted rate by 0.85% for Expats
4.29% 5.14% 5.2%APRC
  • Interest-Only
 65% £999~

Some key features of this mortgage

  • Purpose - Expat purchase and remortgage
  • Discount - 0.85% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 4.19% 
  • Loan to Value - Maximum 65%
  • Application fee - £175 + Valuation Fee for purchase and remortgage.
  • Valuation Fees - Based on the greater of the purchase price or value of the property
  • ~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.  
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications.                                                                                                                   
    The mortgage must complete by 01/11/2021

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Comparing two mortgage products

Mortage icon - House Mortgage icon - House
Product DYNAMIC DYNAMIC
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Overall cost for comparison DYNAMIC DYNAMIC
Repayment or Interest-Only? DYNAMIC DYNAMIC
Max % loan to value (LTV) DYNAMIC DYNAMIC
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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Over 125 years of helping people move in

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