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Our 1 Year Fixed Rate Bond (68) has been withdrawn from sale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

Voting for our AGM has now closed. If you are attending the AGM on Wednesday 29 April and still need to cast your vote you can do this on the day.
Savings customers: Your 2025 / 2026 Annual Interest Savings Summary are currently being processed and are due to be delivered by 28 April 2026.

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Family assisted mortgages for product switch

We have a number of family assisted mortgage products currently available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

View a summary of our current range of Joint Borrower Sole Proprietor mortgage products available for product switch.

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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
5.09% 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
5.49% 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
5.64% 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

Comparing two mortgage products


Product	DYNAMIC	DYNAMIC
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Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Family assisted mortgages for product switch

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

Comparing two mortgage products