Notices

Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 6pm on Sunday 5 April to midnight on Monday 6 April. We apologise for any inconvenience this may cause.
Important changes to our mortgage products - Find out more.

Mortgage products - On Thursday 26 March 2026, we've relaunched our Owner Occupier and Buy to Let fixed rate products, and reintroduced more 5-year fixed rates back on sale, with options available for new and existing customers.
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.
IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
Savings customers - we have increased the interest rates on selected Fixed Rate Bonds and Fixed Rate ISAs. Find out more

The interest rates on our 1 and 2 Year Fixed Rate Bond and Fixed Rate ISA products have increased from 25 March 2026.

Individual Buy to Let mortgages for product switch

See our current range of individual Buy to Let mortgage products available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

Look at a summary of our all current range of Buy to Let mortgage products available for product switch.

If you have converted your property to a HMO, please get in touch with us so that we can discuss what HMO product options are available for you.

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

Frequently asked questions

Will it cost me to change my product?

No. As an existing borrower there are NO FEES payable to change your mortgage product.

What happens if I do nothing and my mortgage product expires?

If you do not take action, the rate of interest on your mortgage will change to the follow on rate as specified in the terms of your mortgage. Whilst your mortgage remains on its follow on rate, you will be able to make capital repayments without incurring an early repayment charge. However, our follow on rates are usually more expensive than our new mortgage products and may cost you more in the long term. It’s also variable so you need to be comfortable with the risk of your monthly payments going up if the rate changes.

But its not too late - even if your current mortgage product has expired you can still switch to a new Owner Occupier or Buy to Let mortgage product with us.

Our promise to you

We want you to feel comfortable that you have made the right decision. For your peace of mind, we promise that in the period between you returning your completed Acceptance Form and your existing product ending, if our product range changes you can choose an appropriate alternative product from the new range that you feel is most suited to your needs. For example, if you select a three year fixed rate and a lower rate equivalent product becomes available in the meantime, you can opt for the newer rate as long as we receive your new Acceptance Form before the end of your existing product.

We look forward to helping you switch your mortgage product but please, for your own peace of mind, don't leave it to the last minute.

Filter:

Sort:

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits
6.34% 2 Year Fixed Rate to 31/08/2028 (XF1265)
6.34%	8.29%	8.1%APRC	Interest-Only Repayment	75%	£0~

Key things to bear in mind

Purpose - Further Advance and Product Switch applications
Loan to Value - 75%
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 - 8.1% APRC.

Buy to Let calculator Email us Ask us to call back Summary & fees

More downloads & what you'll need to apply

Identification

Only applicable for Further Advance applications - We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.

Bank statements

Only applicable for Further Advance applications - Buy to Let applicants are normally required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.

Proof of income

Only applicable for Further Advance applications - A copy of the existing / proposed tenancy agreement.

Other items