Important Changes to Our Mortgage Products

From today, Tuesday 23 January, we've made a number of changes across our mortgage range including rate reductions across all our Fixed Rate products.

Owner Occupier - all 2 and 5 Year Fixed Rate products now reduced:

Product	Starting rates	LTV
2 Year Core	5.14%	Up to 60%*
5 Year Core	4.59%	Up to 60%*
2 Year JBSP	5.29%	Up to 60%*
5 Year JBSP	4.74%	Up to 60%*
Family Mortgage	4.79%	Up to 95% LTV (Additional security required)

*Other products available, up to 80% LTV.

Interest-Only

Product	Starting rates	LTV
2 Year Core	5.79%	Up to 60%
5 Year Core	5.19%	Up to 60%
Retirement Interest-Only (RIO)	5.49%	Up to 50%

Buy to Let - all 2 and 5 Year Fixed Rate products now reduced:

2 Year Fixed Rates

Product	Starting rates	LTV
UK Landlords	5.49%	Up to 60%^
Limited Company SPVs	5.74%	Up to 60%^
Expats	5.84%	Up to 60%^

5 Year Fixed Rates

Product	Starting rates	LTV
UK Landlords	4.99%	Up to 60%^
Limited Company SPVs	5.24%	Up to 60%^
Expats	5.59%	Up to 70% on an Interest-Only basis

^Other products available, up to 70% LTV.

Reductions to our Discounted Variable Rates

All of our Owner Occupier and Buy to Let Discounted Variable Rate products have also been reduced by 0.30%.

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 additional semi-exclusive products available via our packaging partners. For further information, speak to your local BDM.

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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