Notices

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.

5.59% Expat (1.95% discounted rate from follow on rate) for 2 years (XD0226)

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits
5.59% Expat (1.95% discounted rate from follow on rate) for 2 years (XD0226)
5.59%	7.54%	7.3%APRC	Interest-Only	80%	£0~

Key things to bear in mind

Purpose - Expat applications for Product Switch
Discount - 1.95% applied to our Managed Mortgage Rate for 2 years
Minimum Rate - 3.84%
Loan to Value - 80%
*Application Fee - £0 for Product Switches
Legal Fees - No legal fees for Product Switches
Valuation Fees - £0
^~Product Fee - £0 for Product Switches
Early Repayment Charges - 2% in the first year, 1% in the second year
Maximum Loan - No maximum for product switches
Minimum Loan - No minimum for product switches.
^Cashback - £0
Cost for comparison - 7.3% APRC.

Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £300,999.00 payable over 9 years initially on a discounted variable rate for 2 years at 1.95% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 7.54% would require 23 monthly payments of £1,402.15 and 85 monthly payments of £1,890.27 plus one initial interest payment of £1,435.61.

The total amount payable would be £495,457.01 made up of the loan amount plus interest of £194,358.01 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 7.3% APRC representative.