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Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 10pm on Wednesday 3 December to 2am on Thursday 4 December, and from 8am to 5pm on Sunday 14 December. We apologise for any inconvenience this may cause.
Important update to the Financial Services Compensation Scheme (FSCS) deposit protection limit

From 1 December 2025, the FSCS deposit protection limit for your savings will increase to £120,000, up from £85,000. Read more about the FSCS changes.
View our Christmas opening hours and information on bank transfer processing times over the Christmas period.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes

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All of these mortgage products have limited funds available and may be withdrawn at any time.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
5.54% RIO 5 Year Fixed Rate to 31/03/2031 (XFZ031)						Compare
5.54%	7.69%	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 - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 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

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

5.54% RIO 5 Year Fixed Rate to 31/03/2031 (XFZ031)