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We have withdrawn our Market Tracker Cash ISA (2) from sale. Find out morePlease note that our Market Tracker Cash ISA (2) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
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Important changes to our mortgage products - Find out more.
Mortgage products - On Tuesday 30 September 2025, we made changes to our mortgage product range. This included decreases across many of our Fixed Rate products for Owner Occupier and Buy to Let products.
Buy to Let Limited Companies
In addition we launched new Fixed Rate products for Buy to Let Limited Company landlords (UK registered companies) who have expat shareholders and/or directors in our acceptable list of countries.
Managed Mortgage Rates and Discounted Variable Rates
From 1 October 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We have written to existing customers who have been impacted by this change, with details relevant to them.
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Our new and improved Online Service is here. Find out more
We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
Specialist mortgages
Unique situation? Our personal approach means that we may still be able to offer you the mortgage you want.
We have a common sense approach to lending and underwrite mortgages on a case-by-case basis, with no credit scoring. If your circumstances are unusual our range of specialist mortgages may be able to help you.
Our JBSP arrangement allows family members to support each other with affordability when applying for a mortgage. Up to two occupying owners can live in the property and up to two family member(s) can support the occupying owner(s).
A JBSP arrangement is ideal for:
- Parents, grandparents, siblings or aunts/uncles helping adult children buy their first home, step up the property ladder or help with renovations
- Adult children helping their parents borrow in later life.
Find out more about our JBSP offering here:
JBSP arrangement
For more information:
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We offer Buy to Let expat mortgages for properties located in England or Wales. Applications for Owner Occupier expat mortgages for properties located in England or Wales can be made via an intermediary/broker.
We're able to lend to UK nationals aged over 18 who are working abroad, and whose families are remaining in the UK subject to certain conditions.
Expat mortgages are available on an Interest-Only basis. Our Expat Limited Company range is available for Interest-Only and Repayment. Please refer to our lending criteria for more information.
You can view our range of Expat mortgage products here:
Expat mortgagesFor more information and acceptable products and countries of residence:
If your work requires you to live away from your main residence, a loan on a second home may be considered, subject to affordability. Interest-Only loans are accepted on this basis.
Compare all Owner Occupier mortgagesFor more information:
Whether you're an electrician, plumber, hairdresser or personal trainer, being self-employed can be a challenge but being accepted for a mortgage because you're self-employed shouldn't be. With our sensible take on your individual circumstances, income and trading history, we offer mortgages that could work for you.
Subject to meeting our lending criteria and affordability, you're able to choose from any of our on sale mortgage products.
You can find more information here:
Mortgage loans are available on an Owner Occupier basis subject to certain conditions. For example, if you are a member of the Armed Forces currently serving elsewhere in the UK or overseas, and the property has previously been used, or is intended to be used as your main residence in the future.
Applications will be assessed on an individual basis.
We now accept Forces Help to Buy (FHTB) as a source of funds for a deposit. For more information on FHTB, please visit the Forces Law website.
Flexibility to change occupancy status and subsequent product terms will be considered on request. This may be subject to standard fees and Early Repayment Charges.
Compare all Owner Occupier mortgagesFor more information:
Mortgage applications on holiday homes are available, subject to affordability, which must be calculated against the applicants earned income without inclusion of any rental that may be received from the property. Interest-Only loan applications will be accepted on this basis.
It is intended that these properties should be for the applicants use, but the property may be occupied on a holiday let basis when the applicants are not in occupation.
Applicants with portfolios of holiday homes will not be permitted.
Holiday homes will not be accepted where there is a formal Assured Shorthold Tenancy (AST) or where they can only be used as a holiday home due to restrictive covenants within the deeds.
Maximum Loan to Value will be 70%.
Compare all Owner Occupier mortgagesFor more information:
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If you are currently in, or moving to, tied accommodation linked to your employment, such as a boarding school teacher, vicar / minster or an estate worker, we understand you may not occupy your property until your current employment finishes, which could be many years in the future. To help with this, you may wish to rent out your property.
We will consider these applications for residential mortgage customers who need to rent out their property under a consent-to-let arrangement.
For more information:
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Are you a landlord looking to purchase or remortgage your HMO? Available to UK based and Expat landlords and Limited Company SPVs, we offer HMO Buy to Let mortgages for properties with up to four bedrooms and a maximum of six tenants.
- This product is not available for students lets or care homes
- Maximum Loan to Value (LTV) is 75%.
If you have a Buy to Let mortgage with us and you have converted your property to a HMO, please get in touch with us so that we can discuss what HMO product options are available for you.
Find out more about our HMO offering here:
HMOs
For more information:
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Do you need our help?
If you have any questions about your mortgage payment deferral please contact our friendly Mortgage Service Team.