Important Changes to Mortgage Products

21 Mar 2024

From today, Thursday 21 March, we've made a number of changes across our mortgage range including rate increases across most of our Fixed Rate products.

Owner Occupier

  • We’ve increased most of our Fixed Rates
  • All Repayment products have been subject to increases of up to 0.10%, with some Interest-Only products increasing by 0.25%.

Repayment 

Interest-Only

Buy to Let

  • Interest rates will remain the same across all of our Buy to Let Fixed Rates, with no changes made
  • We have restricted the availability of our UK Landlord 5 Year Fixed Rate (70% LTV), which is now exclusively available to selected intermediaries
  • We have reduced our Offset Buy to Let rates by 0.25%.

No other changes have been made to the range.

Discounted Variable Rates

  • All Offset (Repayment) rates have been reduced by 0.25%
  • All 60% LTV JBSP and Expat 2 year discounted rates have been reduced by 0.25%
  • All 80% LTV JBSP and Expat 2 year discounted rates have been reduced by 0.50%.

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

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.

Edit my local BDM