Notices

Friday 13th November 11am. We are aware of a worldwide issue with Microsoft Services. We are currently assessing what effect this has, although please be aware we may not be able to respond to or see emails you send us. We will provide an update as soon as we are able. Our Online Service and telephone lines are working as normal - contact details can be found here.
Our Premium Saver (7) and (8) have been withdrawn from sale

Any customers that have recently applied for these accounts will have until 3pm on 30 November 2026 to fund their accounts.
Rate changes following Bank of England decision to increase its Bank Rate by 0.25% to 4.00% on 5 November. Find out more
The interest rate on our Windfall Bond will increase by 0.25% to 3.00% on 1 December 2026
The interest rates on Tracker rate mortgages will increase by 0.25% on 25 December 2026.
We will contact customers with these accounts to explain how the rate increases will affect them.

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All of these mortgage products have limited funds available and may be withdrawn at any time.

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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
6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)						Compare
6.59%	7.54%	7.3%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 - 31/01/2032 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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032 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

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

6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)