Important information on our mortgage products

15 Dec 2022

On 14 December 2022 we replaced the majority of our current discounted variable rate mortgage products and launched new fixed rates. We also announced increases to our Managed Mortgage Rates which will take effect in January.

Owner Occupier fixed rates:

  • Core range repayment five year fixed rates starting at 5.54%
  • JMSO repayment five year fixed rates starting at 5.64%
  • Family Mortgage five year fixed at 5.69%
  • Interest-Only five year fixed rate at 5.99% for 60% LTV maximum
  • Retirement Interest-Only at 5.99% for 50% LTV maximum

Buy to Let fixed rates:

  • Five year fixed rates for UK Landlords starting at 6.39%
  • Five year fixed rates for Limited Company SPVs starting at 6.54%

Managed Mortgage Rate & variable discount rate changes:

Effective from 21 January 2023 we will be increasing our Managed Mortgage Rates by 0.50%.

We also amended our discounted variable rate product range. All three year product rates are now withdrawn, with the majority being replaced by new shorter term two year products. Our Offset products have also been replaced with new interest rates. Our Retirement Lifestyle Booster has been suspended from sale.

Our discounted variable product details, and all representative examples displayed on our website, have been updated to reflect the impending 0.50% increase on our Managed Mortgage Rates.

All our Affordability and Buy to Let stress calculations have also been updated to reflect the new higher rates.


See full details of our new product range here

The deadline for receipt of applications for all withdrawn mortgage products is:

  • 5pm 14 December through our Mortgage Hub or by paper.

We have a team of BDMs ready, willing and able to answer any of your queries and guide you through the application process. If you don’t have a BDM in your area, you can contact our dedicated Mortgage Desk.

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 from pensions and investments to mortgages. 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:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren 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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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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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