Important information: we've reduced our 2 Year Fixed Rates

19 Oct 2026

From today, Monday 19 October 2026, we're making enhancements to selected products across our Owner Occupier and Buy to Let ranges. 

Key changes include:

• Reductions across all our 2 Year Fixed Rate products, ranging from 0.10% to 0.20% depending on product type

• The launch of two new 2-Year Expat Ltd Company Buy to Let Tracker products:   

-5.54% Tracker with a 1% fee
-4.54% Semi-Exclusive Tracker with a 3% fee and £500 cashback.

No other changes have been made to our mortgage product range, and our variable Managed Mortgage rates also remain unchanged.

Repayment Fixed Rates

Repayment fixed rate 1026

Interest-Only Fixed Rates

IO Fixed rate 1026

Buy to Let Fixed Rates - New Business

BTL fixed rates New Bus 1026

Buy to Let HMO Fixed Rates - New Business

BTL fixed rates HMO 1026

Buy to Let Fixed Rates - Existing Borrower Product Switch & Further Advance

BTL fixed rates 1026

Buy to Let Tracker Rates - New Business 

BTL tracker rate new bus 1026

Semi-exclusive products

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

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

Banner for MPR 1026

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:

Paul Ormonde

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

Kirsty Dancer

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

Sam Byrne

Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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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:

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:

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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