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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

2.84% 2 year discounted rate by 1.65% Offset mortgage
2.84% 4.49% 4.4%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 - 1.65% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.74% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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
  • 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.

Take the next step:

See full details See what I could borrow
Ask us to call you back

3.09% 2 year discounted rate by 1.40% Offset mortgage
3.09% 4.49% 4.5%APRC
  • Repayment
 75% £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 - 1.40% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.99% 
  • Loan to Value - Maximum 75%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • 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
  • 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.

Take the next step:

See full details See what I could borrow
Ask us to call you back

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.

Case study - Choosing an Offset mortgage and making home improvements

Tom and Pamela, both retired, wanted to make some home improvements without dipping into their savings.

View full case study

Over 125 years of helping people move in

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.

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More about who we areView our awards

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New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

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