Notices

Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 10pm on Monday 27 April to 2am on Tuesday 28 April. We apologise for any inconvenience this may cause.
Our 1 Year Fixed Rate Bond (68) has been withdrawn from sale

Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
We've launched a new issue of our Online Saver (12), paying 4.15% Gross AER on balances of £100+. Find out more and apply.
Important changes to our mortgage products. Find out more

Mortgage products - On Thursday 16 April 2026, we launched a new range of our Owner Occupier and Buy to Let fixed rate products, where most of our product rates have been reduced.
Managed Mortgage Rates - Please note that our Managed Mortgage Rates are not changing at this time.
Annual General Meeting 2026. Find out more

We're pleased to let you know that voting for the AGM is now open. If you've opted for a postal pack you should receive this by 1 April.
Savings customers: Your 2025 / 2026 Annual Interest Savings Summary are currently being processed and are due to be sent from 28 April 2026.

Owner Occupier mortgages for additional borrowing

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All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time.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

This information should be read in conjunction with the 'Getting a Mortgage: what you need to know' guide, which provides important information about our mortgage services.

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

Call us on 03330 140146 Ask us to call back Email us

Please note: The minimum loan amount that we will consider is £2,000, provided this does not take the total outstanding borrowing above our maximum Loan To Value (LTV) limit of 75% (the LTV may vary depending on the product selected).

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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
4.99% (2.55% discounted rate from follow on rate) for 2 years (XD0222)						Compare
4.99%	7.54%	6.7%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Discount - 2.55% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.24% Loan to Value - 80% 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 - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 6.7% 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
5.09% JBSP (2.45% discounted rate from follow on rate) for 2 years (XD0223)						Compare
5.09%	7.54%	7.1%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Discount - 2.45% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.34% Loan to Value - 80% 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 - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.1% 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
5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)						Compare
5.34%	7.54%	7.2%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Discount - 2.20% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.59% Loan to Value - 80% 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 - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.2% 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
5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284)						Compare
5.49%	7.54%	5.9%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.9% 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
5.49% JBSP (2.05% discounted rate from follow on rate) for 2 years (XD0225)						Compare
5.49%	7.54%	7.4%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Discount - 2.05% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.74% Loan to Value - 80% 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 - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.4% 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
5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280)						Compare
5.54%	7.54%	6.8%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% 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
5.59% 5 Year Fixed Rate to 31/08/2031 (XF1258)						Compare
5.59%	7.54%	6.0%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.0% 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
5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281)						Compare
5.64%	7.54%	6.9%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 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. Take the next step: See full details See what I could borrow Ask us to call you back
5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285)						Compare
5.64%	7.54%	6.6%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) 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
5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282)						Compare
5.69%	7.54%	7.2%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% 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
5.74% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1259)						Compare
5.74%	7.54%	6.7%APRC	Repayment	90%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% 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
5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283)						Compare
5.79%	7.54%	7.3%APRC	Repayment	90%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% 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
5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287)						Compare
5.89%	7.54%	7.3%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% 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
5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289)						Compare
5.89%	7.54%	6.6%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 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
5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035)						Compare
5.99%	7.54%	6.8%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 - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% 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
6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288)						Compare
6.04%	7.54%	7.4%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2028 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 - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% 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
6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290)						Compare
6.04%	7.54%	6.8%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2031 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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% 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


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

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

Owner Occupier 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.

Any questions?

4.99% (2.55% discounted rate from follow on rate) for 2 years (XD0222)

Some key features of this mortgage

Take the next step:

5.09% JBSP (2.45% discounted rate from follow on rate) for 2 years (XD0223)

Some key features of this mortgage

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5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284)

Some key features of this mortgage

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5.49% JBSP (2.05% discounted rate from follow on rate) for 2 years (XD0225)

Some key features of this mortgage

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5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280)

Some key features of this mortgage

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5.59% 5 Year Fixed Rate to 31/08/2031 (XF1258)

Some key features of this mortgage

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5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281)

Some key features of this mortgage

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5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285)

Some key features of this mortgage

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5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282)

Some key features of this mortgage

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5.74% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1259)

Some key features of this mortgage

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5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283)

Some key features of this mortgage

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5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287)

Some key features of this mortgage

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5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289)

Some key features of this mortgage

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5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035)

Some key features of this mortgage

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6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288)

Some key features of this mortgage

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6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290)

Some key features of this mortgage

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Comparing two mortgage products