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Owner Occupier mortgages for product switch

See our current range of Owner Occupier mortgage products available for product switch for existing borrowers.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

This information should be read in conjunction with the following documents: 'Additional Information about our Mortgages' and 'Getting a Mortgage: what you need to know' guide, which provide important information about our mortgage services.

 

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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

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

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
 

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

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

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

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.

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

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

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

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.

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

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
 

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

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

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

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
 

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

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

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

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

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

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

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

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.
 

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

Comparing two mortgage products

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