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Homes for Ukraine - important information can be found here.
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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.)
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
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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 | |
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|
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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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|
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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 | |
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|
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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 | |
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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 | |
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|
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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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|
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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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|
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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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|
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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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|
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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 | |
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|
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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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|
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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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|
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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 | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance |
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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 | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance
|
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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 | |
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|
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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 | |
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|
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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 | |
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|
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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 | |
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|
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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 | |
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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.

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.
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 studyOver 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.
Call our expert UK team
New enquiries
Savings - 03330 140141
Mortgages - 03330 140140
Existing customers
Savings - 03330 140144
Mortgages - 03330 140146
...or ask the way that suits you.
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