Notices

  • Homes for Ukraine - important information can be found here.

  • Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.

    Savings:     the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)

    Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

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First time buyer mortgages

We have a range of fixed rate mortgages available which are suitable for first time buyers.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

First time buyer help

Trust us when we say there are no silly questions when it comes to buying your first home. And we've heard pretty much all the questions there are to ask before. If you have any questions about our mortgages, or around the process of getting your first mortgage and buying a home, give our friendly team a call and they will be more than happy to help.

We've also created a range of helpful mortgage guides filled with information about what you need to know when buying a home.

See all our mortgage products below or select two to compare side by side. Then see their full details.

 

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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 Additional
benefits

3.14% 3 year discounted rate by 2.40%
3.14% 5.54% 5.1%APRC
  • Interest-Only
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Discount - 2.40% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 3.14%
  • LTV - Maximum 60%.
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £599 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 5.1% APRC

 

See full details for fee details, documents you'll need, and more.

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3.29% 3 year discounted rate by 2.25%
3.29% 5.54% 5.1%APRC
  • Interest-Only
 80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose -  Purchase, remortgage, product switch and further advance
  • Discount - 2.25% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 3.29%
  • LTV - Maximum 80%.
  • Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for product switch) 
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £599 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch) 
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000. £2,000 for further advances. No minimum for product switches.
  • Cost for comparison - 5.1% APRC

See full details for fee details, documents you'll need, and more.

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3.59% 2 year discounted rate by 2.05% Offset mortgage
3.59% 5.64% 5.4%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 2.05% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 3.59% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage.  (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000.  For loans above £500,000, 0.3% of the loan amount. (£0 for further advance and switch)
  • Additional benefits:
    - ^Cashback     - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver.
  • Maximum loan - No maximum.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 5.4% APRC
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

See full details for fee details, documents you'll need, and more.

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3.69% 2 year discounted rate by 1.95% Offset mortgage
3.69% 5.64% 5.4%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.95% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 3.69% 
  • Loan to Value - Maximum 80%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback     - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. 
  • Maximum loan - No maximum.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 5.4% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

See full details for fee details, documents you'll need, and more.

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3.74% 5 year fixed rate until 31/10/2027
3.74% 5.54% 4.6%APRC
  • Repayment
 60% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.6% APRC
  •  Additional criteria - The mortgage must complete by 03/10/2022

See full details for fee details, documents you'll need, and more.

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3.74% 3 year discounted rate by 1.80% for Expats
3.74% 5.54% 5.1%APRC
  • Interest-Only
 60% £999~ £500 cashback for remortgages^
 

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance
  • Discount - 1.80% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.74% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.1% APRC
  • Additional criteria - We require a UK address for the serving of notice
  • See our full list of countries currently considered for Expat applications

See full details for fee details, documents you'll need, and more.

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3.84% 5 year fixed rate until 31/10/2027
3.84% 5.54% 4.7%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.7% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022 
 

See full details for fee details, documents you'll need, and more.

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3.84% 2 year fixed rate until 31/10/2024
3.84% 5.54% 5.3%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%.
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount (£0 for further advance. £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 5.3% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

See full details for fee details, documents you'll need, and more.

Take the next step:

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3.89% 3 year discounted rate by 1.65% for Expats
3.89% 5.54% 5.1%APRC
  • Interest-Only
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance 
  • Discount - 1.65% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.89% 
  • Loan to Value - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switch
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year                                       
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 5.1% APRC
  • Additional criteria - We require a UK address for the serving of notice.
  • See our expat page for our full list of countries currently considered for expat applications.
 

See full details for fee details, documents you'll need, and more.

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3.89% 5 year fixed rate until 31/10/2027 RIO
3.89% 5.54% 5.0%APRC
  • Interest-Only
 80% £999~

£500 cashback for remortgages^

Overpayments allowed

Some key features of this mortgage

  • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • Fixed Rate end date - 31/10/2027
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 5.0% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022. Borrowers are required to nominate a Registered Contact when they apply

See full details for fee details, documents you'll need, and more.

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3.94% 2 year fixed rate until 31/10/2024
3.94% 5.54% 5.3%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 5.3% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
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Comparing two mortgage products

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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.