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Please note that the Premium Saver (6) has now been withdrawn from sale. If you have opened an account, you may add funds until 3pm, 16 August 2022, after this no additions will be allowed. Find out more.
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Rate changes following Bank of England decision to raise its Bank Rate to 1.75% on 4 August 2022.
Savings: Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 September. (Updated 04/08/22)Mortgages: Tracker mortgages will change on 25 September and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Updated 04/08/22)
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
---|---|---|---|---|---|---|---|---|---|---|
3.59% 2 year discounted rate by 2.05% Offset mortgage |
Code XO0043 | |||||||||
More info | 2 years | 5.64% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
More info
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Check affordability
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|
||||||||||
3.74% 3 year discounted rate by 1.80% for Expats |
Code XD0129 | |||||||||
More info | 3 years | 5.54% | 60% | £175* | £999~ | £500^ | No | Yes | Yes | |
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|
||||||||||
3.84% 2 year fixed rate until 31/10/2024 |
Code XF0521 | |||||||||
More info | 31/10/2024 | 5.54% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
More info
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|
||||||||||
3.69% 2 year discounted rate by 1.95% Offset mortgage |
Code XO0044 | |||||||||
More info | 2 years | 5.64% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
More info
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Check affordability
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Online Application
|
||||||||||
4.09% 5 year fixed rate until 30/09/2027 |
Code XF0544 | |||||||||
More info | 30/09/2027 | 6.29% | 70% | £125* | £0 | £0 | Yes | Yes | No | |
More info
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Check affordability
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Online Application
|
||||||||||
3.94% 2 year fixed rate until 31/10/2024 |
Code XF0522 | |||||||||
More info | 31/10/2024 | 5.54% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
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|
||||||||||
3.94% 2 year fixed rate until 31/10/2024 JMSO |
Code XF0523 | |||||||||
More info | 31/10/2024 | 5.54% | 60% | £175* | £599~ | £500^ | Yes | No | Yes | |
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Online Application
|
||||||||||
3.84% 5 year fixed rate until 31/10/2027 |
Code XF0528 | |||||||||
More info | 31/10/2027 | 5.54% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
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|
||||||||||
4.04% 2 year fixed rate until 31/10/2024 JMSO |
Code XF0524 | |||||||||
More info | 31/10/2024 | 5.54% | 80% | £175* | £599~ | £500^ | Yes | No | Yes | |
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|
||||||||||
3.84% 5 year fixed rate until 31/10/2027 JMSO |
Code XF0529 | |||||||||
More info | 31/10/2027 | 5.54% | 60% | £175* | £599~ | £500^ | Yes | No | Yes | |
More info
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Criteria A-Z
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|
||||||||||
3.74% 5 year fixed rate until 31/10/2027 |
Code XF0527 | |||||||||
More info | 31/10/2027 | 5.54% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
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|
||||||||||
3.89% 5 year fixed rate until 31/10/2027 Family Mortgage |
Code XF0531 | |||||||||
More info | 31/10/2027 | 5.54% | 95% | £175* | £599~ | £250^ | Yes | No | Yes | |
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|
||||||||||
4.24% 5 year fixed rate until 30/09/2027 for expats |
Code XF0547 | |||||||||
More info | 30/09/2027 | 6.29% | 60% | £125* | £0 | £0 | No | Yes | No | |
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Check affordability
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|
||||||||||
3.89% 2 year discounted rate by 2.40% Offset Mortgage |
Code XO0045 | |||||||||
More info | 2 years | 6.29% | 60% | £175* | £999~ | £100^ | Yes | Yes | No | |
More info
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Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance |
||||||||||
4.04% 2 year discounted rate by 2.25% Offset Mortgage |
Code XO0046 | |||||||||
More info | 2 years | 6.29% | 70% | £175* | £999~ | £100^ | Yes | Yes | No | |
More info
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Criteria A-Z
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance
|
||||||||||
3.84% 3 year fixed rate until 31/10/2025 |
Code XF0539 | |||||||||
More info | 31/10/2025 | 6.29% | 60% | £175* | £999~ | £0 | Yes | Yes | No | |
More info
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Criteria A-Z
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Contact your BDM
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|
||||||||||
3.89% 5 year fixed rate until 31/10/2027 RIO |
Code XFZ012 | |||||||||
More info | 31/10/2027 | 5.54% | 80% | £175* | £999~ | £500^ | No | Yes | Yes | |
More info
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Criteria A-Z
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Online Application
|
||||||||||
3.99% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage |
Code XF0538 | |||||||||
More info | 31/10/2025 | 5.54% | 95% | £125* | £0 | £0 | Yes | Yes | No | |
More info
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Online Application
|
||||||||||
4.39% 5 year fixed rate until 30/09/2027 for expats |
Code XF0548 | |||||||||
More info | 30/09/2027 | 6.29% | 70% | £125* | £0 | £0 | No | Yes | No | |
More info
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Criteria A-Z
Check affordability
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Contact your BDM
Online Application
|
||||||||||
3.99% 3 year fixed rate until 31/10/2025 |
Code XF0540 | |||||||||
More info | 31/10/2025 | 6.29% | 70% | £175* | £999~ | £0 | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
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Contact your BDM
Online Application
|
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial interest rate | Current follow on rate | Overall cost for comparison | Repayment or Interest-Only? | Max % Loan to Value (LTV) | Product fees |
Additional benefits |
||||
---|---|---|---|---|---|---|---|---|---|---|
3.59% 2 year discounted rate by 2.05% Offset mortgage |
||||||||||
3.59% | 5.64% |
5.4% |
|
60% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.74% 3 year discounted rate by 1.80% for Expats |
||||||||||
3.74% | 5.54% |
5.1% |
|
60% | £999~ |
£500 cashback for remortgages^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.84% 2 year fixed rate until 31/10/2024 |
||||||||||
3.84% | 5.54% |
5.3% |
|
60% | £999~ |
£500 cashback for remortgages^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.69% 2 year discounted rate by 1.95% Offset mortgage |
||||||||||
3.69% | 5.64% |
5.4% |
|
80% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.09% 5 year fixed rate until 30/09/2027 |
||||||||||
4.09% | 6.29% |
5.2% |
|
70% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.94% 2 year fixed rate until 31/10/2024 |
||||||||||
3.94% | 5.54% |
5.3% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.94% 2 year fixed rate until 31/10/2024 JMSO |
||||||||||
3.94% | 5.54% |
5.4% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.84% 5 year fixed rate until 31/10/2027 |
||||||||||
3.84% | 5.54% |
4.7% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.04% 2 year fixed rate until 31/10/2024 JMSO |
||||||||||
4.04% | 5.54% |
5.4% |
|
80% | £599~ |
£500 cashback for remortgages^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.84% 5 year fixed rate until 31/10/2027 JMSO |
||||||||||
3.84% | 5.54% |
5.0% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.74% 5 year fixed rate until 31/10/2027 |
||||||||||
3.74% | 5.54% |
4.6% |
|
60% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.89% 5 year fixed rate until 31/10/2027 Family Mortgage |
||||||||||
3.89% | 5.54% |
5.1% |
|
95% | £599~ | £250 cashback for purchase applications^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.24% 5 year fixed rate until 30/09/2027 for expats |
||||||||||
4.24% | 6.29% |
5.7% |
|
60% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.89% 2 year discounted rate by 2.40% Offset Mortgage |
||||||||||
3.89% | 6.29% |
6.2% |
|
60% | £999~ |
|
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.04% 2 year discounted rate by 2.25% Offset Mortgage |
||||||||||
4.04% | 6.29% |
6.2% |
|
70% | £999~ |
|
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.84% 3 year fixed rate until 31/10/2025 |
||||||||||
3.84% | 6.29% |
6.0% |
|
60% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.89% 5 year fixed rate until 31/10/2027 RIO |
||||||||||
3.89% | 5.54% |
5.0% |
|
80% | £999~ |
£500 cashback for remortgages^ Overpayments allowed |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.99% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage |
||||||||||
3.99% | 5.54% |
5.3% |
|
95% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.39% 5 year fixed rate until 30/09/2027 for expats |
||||||||||
4.39% | 6.29% |
5.7% |
|
70% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
3.99% 3 year fixed rate until 31/10/2025 |
||||||||||
3.99% | 6.29% |
6.0% |
|
70% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |

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