Sort products by:
Initial
Rate
Initial
Rate Ends
Follow On
Rate
Max.
LTV
Application
Fee
Product
Fee
Repayment Interest
Only
Limited
Company

3.44% 3 year fixed rate

Code XF0205
31/08/2022 5.79% 65% £175* £999** Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% until 31/05/2020, 2% until 31/05/2021, 1% until 31/05/2022
  • Cost for comparison - 5.5% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Additional criteria - The mortgage must complete by 02/01/2020

2.99% 3 year fixed rate

Code XF0198
30/11/2022 5.04% 80% £175* £999** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% until 30/11/2020, 2% until 30/11/2021, 1% until 30/11/2022
  • Cost for comparison - 4.6% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 02/01/2020

3.19% 5 year fixed rate

Code XF0200
31/10/2024 5.04% 80% £175* £1499** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/10/2020, 4% until 31/10/2021, 3% until 31/10/2022, 2% until 31/10/2023, 1% until 31/10/2024
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 02/01/2020

3.39% 5 year fixed rate

Code XF0202
31/10/2024 5.04% 80% £175* £249** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/10/2020, 4% until 31/10/2021, 3% until 31/10/2022, 2% until 30/10/2023, 1% until 31/10/2024
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase and remortgage
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £249 
  • Additional criteria - The mortgage must complete by 02/01/2020

2.99% 3 year fixed rate Family Mortgage

Code XF0203
31/08/2022 5.04% 95% £175* £599** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 3% until 31/08/2020, 2% until 31/08/2021, 1% until 31/08/2022
  • Cost for comparison - 5.4% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 02/01/2020

3.09% 5 year fixed rate Family Mortgage

Code XF0204
31/08/2024 5.04% 95% £175* £599** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 5% until 31/08/2020, 4% until 31/08/2021, 3% until 31/08/2022, 2% until 31/08/2023, 1% until 31/08/2024
  • Cost for comparison - 5.9% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 02/01/2020

2.69% 2 year fixed rate

Code XF0215
30/11/2021 5.04% 80% £175* £999** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% until 30/11/2020, 1% until 30/11/2021
  • Cost for comparison - 4.6% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 02/01/2020

3.29% 5 year discounted rate

Code XD0039
5 years 5.79% 65% £175* £999** Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.50% applied to our Residential Investment Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% in the first year, 3% in the second year, 3% in the third year, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 5.2% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.09% 3 year discounted rate

Code XD0038
3 years 5.79% 65% £175* £999** Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.70% applied to our Residential Investment Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.5% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.84% 5 year discounted rate Offset Mortgage

Code XO0020
5 years 5.79% 65% £175* £999** Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.95% discount applied to our Residential Investment Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%
  • Early Repayment Charges - 3% in the first year, 3% in the second year, 3% in the third year, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 5.4% APRC
  • Minimum interest - 3.39%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage

3.34% 2 year discounted rate Offset Mortgage

Code XO0019
2 years 5.79% 65% £175* £999** Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.45% discount applied to our Residential Investment Managed Mortgage Rate for the first 2 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 5.8% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage

3.29% 5 year discounted rate

Code XD0036
5 years 5.04% 80% £175* £1499** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.49% 5 year discounted rate

Code XD0037
5 years 5.04% 80% £175* £249** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.55% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.04%
  • Purpose - Purchase and remortgage
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.14% 3 year discounted rate

Code XD0032
3 years 5.04% 80% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.90% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.79% 5 year discounted rate

Code XD0034
5 years 5.04% 80% £175* £1499** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.25% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 2.34%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.99% 5 year discounted rate

Code XD0035
5 years 5.04% 80% £175* £249** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.05% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.7% APRC
  • Minimum interest - 2.54%
  • Purpose - Purchase and remortgage
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.64% 3 year discounted rate

Code XD0031
3 years 5.04% 80% £175* £999** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.40% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.19%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.74% 10 year discounted rate Retirement Lifestyle Booster

Code XDR003
10 years 5.04% 25% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.30% discount applied to our Managed Mortgage Rate for 10 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 25%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 3.29%
  • Purpose - Remortgage only
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. 0.3% of the advance for loans over £500,000
  • Minimum property value - £240,000 if property owned outright or £180,000 if repaying existing mortgage

3.24% 3 year base rate tracker

Code XT0008
3 years 5.04% 80% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.79%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.74% 3 year base rate tracker

Code XT0007
3 years 5.04% 80% £175* £999** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.2% APRC
  • Minimum interest - 2.29%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.

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