Notices
  • Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 9:00am to 10:00am on Saturday 25 October. We apologise for any inconvenience this may cause.

  • Please note that our Market Tracker Cash ISA (2) has been withdrawn from sale.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.
  • 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.

  • 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

MORTGAGES_Useful-for-new-borrowers_994x437_150dpi (1)

Research reports

Working alongside the London School of Economics and the Resolution Foundation we've produced research reports on a range of topics.

Making better use of existing housing stock

A roundtable with the Royal Institute of British Architects: How to find more homes without building anew.

A call for integrated housing

Working with the London School of Economics, we look at why housing policy is failing.

Intergenerational wealth transfer research

Read about our research into how intergenerational wealth transfers are affecting UK families.

Later life borrowing research

Read our research report, written in conjunction with the London School of Economics, which looks into how people are using housing wealth in later life.

Stamp duty research

Our research has revealed that Stamp Duty Land Tax is suffocating the housing market. A real change is needed.

Stamp duty holiday research

Our latest research report looks into the impact of the stamp duty holiday, that was introduced by the Government in July 2020. This academic study investigates the affects on the UK housing market and the UK economy in general.

The Generation Divide

Read about the research we undertook to understanding how the millennial generation approach important life events and how they set out to find the answers.