Important changes to our mortgage products - June 2026

From today, Thursday 25 June 2026, we’ve made changes across our Owner Occupier and Buy to Let product ranges. This includes launching new 2-Year Tracker rate products across both Owner Occupier and Buy to Let, including core and semi-exclusive options.

Capital and Interest (Repayment) range changes:

• Core range and JBSP Discounted Variable rates are now available for purchase and remortgage applications up to 80% LTV (previously existing customer only).

Interest-Only range changes:

• New core range 2-Year Tracker rate, available for applications up to 80% LTV
• New JBSP 5-Year Fixed rate, also available for applications up to 80% LTV
• 2-Year Discounted Variable rates have increased by 0.20%.

Buy to Let range changes:

• Our Limited Company and Expat Fixed rates have been reduced by 0.10%
• For our UK landlord products, the product fee has changed to 1.00% (from £999), with a lower interest rate
• For our 2-Year Fixed rates (with higher product fee options), the product fee has been reduced to 2.00% (from 3.00%), with adjusted interest rates
• New 2-year tracker products introduced across UK Landlord, Limited Company & Expat
• All UK Landlord, Limited Company and Expat discounted variable rates have been increased between 0.10% to 0.15%
• For all products with a product fee that is a percentage of the loan amount, we have removed the ‘minimum product fee’.

In addition:

• All our Fixed rates now have refreshed, longer end dates.

Products remain available across our main lending areas for both Owner Occupier and Buy to Let

Further details of our product changes are below:

Owner Occupier Fixed Rates

Repayment Fixed Rates

Repayment Discount Rates

Interest-Only Fixed Rates 

Interest-Only Discount Rates

Interest-Only Tracker Rate

Buy to Let Fixed Rates 

New Business

Buy to Let HMO Rates

New Business

Buy to Let Tracker Rates

New Business

Existing Borrower, Product Switch & Further Advance

Discounted Variable Rates

Existing Borrower, Product Switch & Further Advance

Managed Mortgage Rates

Please note that our Managed Mortgage Rates are not changing at this time.

Semi-exclusive products

On top of our standard range of products we have an additional semi-exclusive product available via our packaging partners. For further information, speak to your local BDM.

See full details of our new product range.

Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.