Mortgage Product Updates – New Range May 2025

27 May 2025

From today, Tuesday 27 May, we've refreshed our product range and pricing. Further details of our product changes are below:

Owner Occupier Fixed Rates

Most of our Fixed Rate Repayment and Interest-Only mortgage products have received rate adjustments

Repayment 

Our 2 Year Fixed Rate mortgage products have decreased by 0.20% whilst our 5 Year Fixed Rate mortgages have decreased by 0.05%. Additionally for our Owner Occupier Joint Borrower Sole Proprietor (JBSP) Repayment mortgage products we've reintroduced product fees of £599 (rising to 0.30% for loans over £500,000), however there will still be no application fee for these products. 



Interest-Only

Our 2 Year Fixed Rate Core mortgage products have decreased by 0.10%, our JBSP has decreased by 0.25%, and our 5 Year Fixed Rate Core mortgage products have decreased by 0.05%. Our RIO is unchanged. We've also introduced new Owner Occupier 2 Year Fixed Rate high-loan variants for mortgages over £500,000, available to intermediaries via our packaging partners, and featuring a 1.00% product fee. 

*The 60% LTV variant has a loan size range of £500,001 to £4,000,000 (with tapering max. LTVs as usual per Lending Policy).

^The 80% LTV variant has a loan size range of £500,001 to £2,000,000 (with tapering max. LTVs as usual per Lending Policy).

Buy to Let Fixed Rates

Our 2 Year Fixed Rate UK Landlord mortgage products have decreased by 0.15%, whilst our 5 Year Fixed Rate UK Landlord mortgage products have decreased by 0.05%. Our 2 Year and 5 Year Fixed Rate Limited Company Buy to Let mortgage products have decreased by 0.15% and our 2 Year Fixed Rate Expat product has also decreased by 0.15%. Additionally, for Limited Company landlords, we've introduced new 5 Year Fixed Rate Buy to Let mortgage products with a 3.00% product fee (minimum £1,500), available for purchase and remortgage applications only.



Discounted Variable Rates

All Owner Occupier and Buy to Let Discounted Variable Rates remain unchanged.

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:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina 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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