• Purpose - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 2.05% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 3.59%
• 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. (£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 towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
• Early Repayment Charges - 2% in the first year, 1% in the second 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 - 5.4% 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

• Purpose - Expat purchase, remortgage, product switch and further advance
• Discount - 1.80% discount applied to our Managed Mortgage Rate for the first 3 years
• Minimum interest - 3.74%
• 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. (£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 - 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

• Purpose - Purchase, remortgage, product switch and further advance
• Fixed Rate end date - 31/10/2024
• LTV - Maximum 60%.
• *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

• Purpose - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 1.95% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 3.69%
• LTV - Maximum 80%
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance. £0 for product switch)
• Valuation Fee - 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 towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
• Early Repayment Charges - 2% in the first year, 1% in the second 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 - 5.4% 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

• Purpose - Product switch and further advance
• LTV - 70%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for for further advances
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum loan - £2,000 for further advance. No minimum for product switches
• Cost for comparison - 5.2% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• 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

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
• 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 -  £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
• Cashback - £500 for remortgage applications
• Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
• Maximum loan - £500,000
• 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 - 5.54% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• 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 

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• 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 - £599.  (£0 for further advance. £0 for product switch)
• ^Cashback - £500 for remortgage applications
• Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
• Maximum loan - £500,000
• Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
• Cost for comparison - 5.4% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• LTV - Maximum 60%
• Fixed Rate end date - 31/10/2027
• Application Fee - £175 + Valuation Fee. (£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 - £599 for loans up to £500,000. (£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
• Maximum loan - £500,000
• 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

• 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

• Purpose - Family Mortgage applications for purchase, product switch and further advance
• LTV - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
• Security options available - Security Account, Security Through Property, Offset Account
• 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 - £599 for purchase applications. (£0 for further advance, £0 for product switch)
• ^Cashback - £250 for purchase 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 - £500,000
• Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
• Cost for comparison - 5.1% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Expat product switch and further advance
• LTV - Maximum 60%
• Fixed rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switch
• Legal fees - £100 minimum for further advances
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum loan - £2,000 for further advance. No minimum for product switches.
• Cost for comparison - 5.7% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.40% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.89% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. 
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies.
· ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 1% in the second 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 - 6.2% 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 of £100 will be used to open your linked Offset Saver account

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.25% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.04% 
· LTV - Maximum 70%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance and £0 for product switch)
· Valuation Fees (Purchase) - Full standard valuation fee scale applies. (£0 for further advance and switch)
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies.
· ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and £0 for product switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 1% in the second 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 - 6.2% 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 of £100 will be used to open your linked Offset Saver account

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 60%.
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
• ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
• 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 - 6.0% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• 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

• Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
• LTV - Maximum LTV 95%.
• Fixed Rate end date - 31/10/2025
• *Application Fee - £125 for further advance. £0 for product switches
• Legal Fees - £100 minimum for further advances 
• Valuation Fees - £0
• Product Fee - £0
• Cashback - £0
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum loan - £2,000 for further advances. No minimum for product switches
• Cost for comparison - 5.3% APRC

• Purpose - Expat product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for further advances
• Valuation Fees - £0
• ^~Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
• Minimum loan - £2,000 for further advance. No minimum for product switches
• Cost for comparison - 5.7% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 70%.
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
• ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
• 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 - 6.0% APRC
• Additional criteria - The mortgage must complete by 03/10/2022