Notices
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RIO mortgages for existing borrowers

See our current range of Retirement Interest-Only mortgage products available for product switch.

All of these mortgage products have limited funds available and may be withdrawn at any time.

View a summary of our current range of RIO mortgage products available for product switch.

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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

5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)
5.54% 7.94% 6.9%APRC
  • Interest-Only
 50% £0~

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 31/08/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

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

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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.