Important Changes to Mortgage Products

On Friday 1 March 2024, we’ll be changing the availability of some of our fixed rate products, and making these ‘existing customer exclusives’. We will also be restricting access to one of our 5 year fixed rate products, to selected intermediaries only.

The following Semi-Exclusive Owner Occupier fixed rate products will no longer be available for purchase and remortgage applications:

XF0742 5.59% 2 Year Fixed Rate to 30/06/2026 (Interest-Only) (LTV 60%)
XF0745 4.99% 5 Year Fixed Rate to 30/06/2029 (Interest-Only) (LTV 60%)

These products will continue to be available for our existing customers for further advance applications and product switches.

The following Owner Occupier fixed rate product will become exclusively available to selected intermediaries:

XF0747 5.19% 5 Year Fixed Rate to 30/06/2029 (Interest-Only) (LTV 60%)

The following Buy to Let fixed rate products will no longer be available for purchase and remortgage applications:

XF0749 5.49% 2 Year Fixed Rate to 30/06/2026 (LTV 60%)
XF0751 4.99% 5 Year Fixed Rate to 31/05/2029 (LTV 60%)

These products will continue to be available for our existing customers for further advance applications and product switches.

We will accept applications for all on sale products through our Mortgage Hub, or by paper, up to and including 5pm on Friday 1 March 2024. This means that any paper applications will need to be fully completed and sent to us ahead of this deadline in order to be received in time.

Our team of BDMs now cover the whole of England and Wales, plus some areas of Scotland, and are all ready to answer 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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