Notices

Mortgage customers - Your mortgage statements are now available on our Online Service. Printed copies of your mortgage statements have been sent to you by post and should arrive by Friday 30 January.

We’re pleased to let you know that your mortgage statements are now available to view on our Online Service. To view these log in to the Online Service, select ‘View account’ and then within the ‘Mortgage account summary’ page, click on ‘Statements’.
Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes
The Bank of England Base Rate decreased by 0.25% to 3.75% on 18 December 2025. Read more about our rate changes

Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 January 2026 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

RIO mortgages for additional borrowing

See all of our current Retirement Interest-Only mortgage products available for additional borrowing.

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All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time.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

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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	Next steps
5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)						Compare
5.54%	7.54%	6.6%APRC	Interest-Only	50%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 - 30/06/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% 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

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.

RIO mortgages for additional borrowing

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

5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products