Important information about our mortgage products

26 Mar 2026

From today, Thursday 26 March, we've relaunched our Owner Occupier and Buy to Let fixed rate products, and reintroduced more 5-year fixed rates back on sale. Options will be available across all of our main lending areas including Core, JBSP, Family Mortgage and RIO for Owner Occupier, and UK Landlord, Limited Company, Expat, Expat Limited Company and HMOs for Buy to Let borrowers. 

As well as relaunching our fixed rates we have repriced our variable discounted Interest-Only products, and also launched variable discounted rate options for existing Repayment and Buy to Let borrowers for switch and further advance purposes.

Details of our new pricing, as well as which options are available for both new and or existing customers, are provided below:

Owner Occupier

Repayment - Fixed Rate

MPR March 26 Repayment Fixed Rates

*Additional security required. Minimum LTV 80%.

Repayment Variable Discounted Rates

MPR March 26 Repayment Variable

Interest-Only Fixed Rates

MPR March 26 Interest-Only Fixed Rate

Interest-Only Variable Discounted Rates

MPR March 26 Interest-Only Variable Rates

Buy to Let Fixed Rates

MPR March 26 Buy to Let Fixed Rates

Buy to Let HMO Fixed Rates - New Business

MPR March 26 Buy to Let HMO

Buy to Let Variable Discounted Rates 

 

BDM March 26

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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