Compare Offset Mortgage |

Sort products by:

Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment or Interest-Only?	FTB
6.09% 2 Year Fixed Rate to 31/10/2028 (XF1332)								Code XF1332 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.1% APRC.
5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335)								Code XF1335 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.84% 5 Year Fixed Rate to 30/09/2031 (XF1334)								Code XF1334 (EB)
More info	30/09/2031	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 30/09/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
5.49% (2.80% discounted rate from follow on rate) for 2 years (XD0237)								Code XD0237 (EB)
More info	2 years	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 2.80% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 3.74% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% APRC.
5.94% Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1342)								Code XF1342 (EB)
More info	30/09/2031	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.84% Ltd Co (2.45% discounted rate from follow on rate) for 2 years (XD0238)								Code XD0238 (EB)
More info	2 years	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.2% APRC.
5.99% HMO Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1344)								Code XF1344 (EB)
More info	30/09/2031	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
6.04% HMO Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1343)								Code XF1343 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.1% APRC.
6.29% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1339)								Code XF1339 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)								Code XD0239 (EB)
More info	2 years	8.29%	75%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.2% APRC.
6.34% Expat 2 Year Fixed Rate to 31/10/2028 (XF1347)								Code XF1347 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
6.09% Expat 5 Year Fixed Rate to 30/09/2031 (XF1349)								Code XF1349 (EB)
More info	30/09/2031	8.29%	75%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
6.14% HMO Expat 5 Year Fixed Rate to 30/09/2031 (XF1351)								Code XF1351 (EB)
More info	30/09/2031	8.29%	75%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
6.09% HMO Expat 2 Year Fixed Rate to 31/10/2028 (XF1350)								Code XF1350 (EB)
More info	31/10/2028	8.29%	75%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/10/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.1% APRC.
5.39% 2 Year Tracker Rate (1.64% above the BOE Bank Rate) (XT0017)								Code XT0017 (Direct)
More info	2 years	7.54%	60%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 3.64% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications 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 Cost for comparison - 7.2% APRC.
4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)								Code XT0019 (Direct)
More info	2 years	8.29%	75%	£175*	3.00%~	£500^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 2.64% Loan to Value - Maximum 75% Application Fee - £175 + Valuation Fee 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 (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 - 3% of the loan amount ^Cashback - £500 for Remortgage applications 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 Cost for comparison - 7.7% APRC.
4.44% 2 Year Tracker Rate Expat (0.69% above the BOE Bank Rate) (XT0023)								Code XT0023 (Direct)
More info	2 years	8.29%	75%	£175*	3.00%~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 2.69% Loan to Value - Maximum 75% Application Fee - £175 + Valuation Fee 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 (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 - 3% of the loan amount ^Cashback - £500 for Remortgage applications 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 Cost for comparison - 7.9% APRC.
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)								Code XD0236 (EB-)
More info	2 years	7.54%	80%	£0*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Product Switch Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.04% Loan to Value - 80% Application Fee - £0 for Product Switches Legal Fees* - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum for product switches Minimum Loan - No minimum for product switches. ^Cashback - £0 Cost for comparison - 7.3% APRC.
4.44% 2 Year Tracker Rate Ltd Co (0.69% above the BOE Bank Rate) (XT0021)								Code XT0021 (Direct)
More info	2 years	8.29%	75%	£175*	3.00%~	£500^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 2.69% Loan to Value - Maximum 75% Application Fee - £175 + Valuation Fee 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 (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 - 3% of the loan amount ^Cashback - £500 for Remortgage applications 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 Cost for comparison - 7.9% APRC.

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	Next steps
Sorry, there are no products to show based on your selection. Please try again.

Comparing two mortgage products


Product	DYNAMIC	DYNAMIC
Initial interest rate	DYNAMIC	DYNAMIC
Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
Repayment or Interest-Only?	DYNAMIC	DYNAMIC
Max % loan to value (LTV)	DYNAMIC	DYNAMIC
Product fees	DYNAMIC	DYNAMIC
Additional benefits	DYNAMIC	DYNAMIC