Further advance buy to let mortgages

Our further advance Buy to Let mortgages are available for existing customers who are looking to borrow more, up to a maximum of 75% LTV.

One property or a portfolio, we've got your landlords covered

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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Repayment	Interest Only	Limited Company
4.94% 5 Year Fixed Rate to 31/08/2030 (XF1009)							Code XF1009
More info	31/08/2030	7.94%	60%	£175*	£999~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.1% APRC.
4.94% 5 Year Fixed Rate to 31/08/2030 (XF1009)							Code XF1009 (EB)
More info	31/08/2030	7.94%	60%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.6% APRC.
5.04% 3 Year Fixed Rate to 31/08/2028 (XF0973)							Code XF0973 (EB)
More info	31/08/2028	7.94%	60%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% until 31/08/2026, 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.4% APRC.
5.04% 5 Year Fixed Rate to 31/08/2030 (XF1010)							Code XF1010 (EB)
More info	31/08/2030	7.94%	80%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.7% APRC.
5.04% 5 Year Fixed Rate to 31/08/2030 (XF1010)							Code XF1010
More info	31/08/2030	7.94%	80%	£175*	£999~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.2% APRC.
5.14% 3 Year Fixed Rate to 31/08/2028 (XF0974)							Code XF0974 (EB)
More info	31/08/2028	7.94%	80%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% until 31/08/2026, 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.4% APRC.
5.14% 2 Year Fixed Rate to 31/08/2027 (XF0969)							Code XF0969
More info	31/08/2027	7.94%	60%	£175*	£999~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.3% APRC.
5.14% 2 Year Fixed Rate to 31/08/2027 (XF0969)							Code XF0969 (EB)
More info	31/08/2027	7.94%	60%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.19% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1011)							Code XF1011
More info	31/08/2030	7.94%	80%	£None	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2030 Application Fee - None 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC.
5.19% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1011)							Code XF1011 (EB)
More info	31/08/2030	7.94%	80%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% APRC.
5.24% 2 Year Fixed Rate to 31/08/2027 (XF0970)							Code XF0970 (EB)
More info	31/08/2027	7.94%	80%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.24% 2 Year Fixed Rate to 31/08/2027 (XF0970)							Code XF0970
More info	31/08/2027	7.94%	80%	£175*	£999~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.3% APRC.
5.29% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1012)							Code XF1012
More info	31/08/2030	7.94%	90%	£None	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/08/2030 Application Fee - None 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC.
5.29% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1007)							Code XF1007
More info	31/08/2027	7.94%	80%	£None	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2027 Application Fee - None 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.29% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1007)							Code XF1007 (EB)
More info	31/08/2027	7.94%	80%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.29% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1012)							Code XF1012 (EB)
More info	31/08/2030	7.94%	90%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% APRC.
5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)							Code XF0992
More info	30/09/2030	8.69%	60%	£175*	£999~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/09/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.34% Family Mortgage 5 Year Fixed Rate to 31/08/2030 (XF0979)							Code XF0979 (EB)
More info	31/08/2030	7.94%	95%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage applications for Product Switch and Further Advance Loan to Value - 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.1% APRC.
5.34% Family Mortgage 5 Year Fixed Rate to 31/08/2030 (XF0979)							Code XF0979
More info	31/08/2030	7.94%	95%	£175*	£599~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage purchase applications Loan to Value - Maximum 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 - £599 for loans up to £500,000 ^Cashback - £250 for purchase applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.1% APRC.
5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)							Code XF1021 (Direct)
More info	30/09/2030	8.69%	60%	£175*	1.00%~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 60% Fixed Rate end date - 30/09/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC.
5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)							Code XF1021 (EB)
More info	30/09/2030	8.69%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.34% 5 Year Fixed Rate to 31/08/2030 (XF1019)							Code XF1019
More info	31/08/2030	7.94%	60%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.9% APRC.
5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)							Code XF0992 (EB)
More info	30/09/2030	8.69%	60%	£125*	£0~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% APRC.
5.34% 5 Year Fixed Rate to 31/08/2030 (XF1019)							Code XF1019 (EB)
More info	31/08/2030	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% APRC.
5.34% 5 Year Fixed Rate to 31/08/2030 (XF1017)							Code XF1017 (Direct)
More info	31/08/2030	7.94%	60%	£175*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.8% APRC.
5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - IO)							Code XF0989 - IO (EB)
More info	31/08/2030	7.94%	95%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)							Code XF0990 (EB)
More info	31/08/2027	8.69%	60%	£125*	£0~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.39% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0994)							Code XF0994 (EB)
More info	31/08/2027	8.69%	60%	£125*	£0~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% APRC.
5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - RP)							Code XF0989 - RP (EB)
More info	31/08/2030	7.94%	95%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.1% APRC.
5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)							Code XF0990
More info	31/08/2027	8.69%	60%	£175*	£999~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.39% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0994)							Code XF0994
More info	31/08/2027	8.69%	60%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
5.39% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1008)							Code XF1008 (EB)
More info	31/08/2027	7.94%	90%	£125*	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.39% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1008)							Code XF1008
More info	31/08/2027	7.94%	90%	£None	£0~	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/08/2027 Application Fee - None 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.44% 2 Year Fixed Rate to 31/08/2027 (XF1015)							Code XF1015
More info	31/08/2027	7.94%	60%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.44% 2 Year Fixed Rate to 31/08/2027 (XF1015)							Code XF1015 (EB)
More info	31/08/2027	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.44% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0996)							Code XF0996
More info	30/09/2030	8.69%	60%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/09/2030 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)							Code XF1000 (EB)
More info	31/08/2027	8.69%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% APRC.
5.44% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0996)							Code XF0996 (EB)
More info	30/09/2030	8.69%	60%	£125*	£0~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.44% 2 Year Fixed Rate to 31/08/2027 (XF1013)							Code XF1013 (Direct)
More info	31/08/2027	7.94%	60%	£175*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% APRC.
5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)							Code XF1000
More info	31/08/2027	8.69%	60%	£175*	1.00%~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)							Code XF1022 (Direct)
More info	30/09/2030	8.69%	75%	£175*	1.00%~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.9% APRC.
5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)							Code XF0993 (EB)
More info	30/09/2030	8.69%	75%	£125*	£0~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% APRC.
5.49% 5 Year Fixed Rate to 31/08/2030 (XF1020)							Code XF1020
More info	31/08/2030	7.94%	80%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC.
5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)							Code XF0993
More info	30/09/2030	8.69%	75%	£175*	£999~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC.
5.49% 5 Year Fixed Rate to 31/08/2030 (XF1018)							Code XF1018 (Direct)
More info	31/08/2030	7.94%	80%	£175*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.9% APRC.
5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)							Code XF1022 (EB)
More info	30/09/2030	8.69%	75%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.49% 5 Year Fixed Rate to 31/08/2030 (XF1020)							Code XF1020 (EB)
More info	31/08/2030	7.94%	80%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% APRC.
5.54% Expat 5 Year Fixed Rate to 30/09/2030 (XF1023)							Code XF1023
More info	30/09/2030	8.69%	75%	£175*	1.00%~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.9% APRC.
5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)							Code XF0991 (EB)
More info	31/08/2027	8.69%	75%	£125*	£0~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.54% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0995)							Code XF0995 (EB)
More info	31/08/2027	8.69%	75%	£125*	£0~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)							Code XF0991
More info	31/08/2027	8.69%	75%	£175*	£999~	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)							Code XFZ028
More info	31/08/2030	7.94%	50%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 31/08/2030 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.1% APRC.
5.54% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0995)							Code XF0995
More info	31/08/2027	8.69%	75%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 31/08/2027 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)							Code XFZ028 (EB)
More info	31/08/2030	7.94%	50%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 31/08/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)							Code XF1001 (EB)
More info	31/08/2027	8.69%	75%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.59% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0997)							Code XF0997
More info	30/09/2030	8.69%	75%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
5.59% 2 Year Fixed Rate to 31/08/2027 (XF1016)							Code XF1016 (EB)
More info	31/08/2027	7.94%	80%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.59% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0997)							Code XF0997 (EB)
More info	30/09/2030	8.69%	75%	£125*	£0~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/09/2030 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% APRC.
5.59% 2 Year Fixed Rate to 31/08/2027 (XF1014)							Code XF1014 (Direct)
More info	31/08/2027	7.94%	80%	£175*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.59% 2 Year Fixed Rate to 31/08/2027 (XF1016)							Code XF1016
More info	31/08/2027	7.94%	80%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)							Code XF1001
More info	31/08/2027	8.69%	75%	£175*	1.00%~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.64% HMO Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0998)							Code XF0998
More info	31/08/2027	8.69%	70%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/08/2027 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. HMO Specific Criteria Properties with four, or fewer, lettable bedrooms with a maximum of six occupants will be considered The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company Not available for student lets and care homes.
5.69% HMO Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0999)							Code XF0999
More info	30/09/2030	8.69%	70%	£175*	1.00%~	Yes	Yes	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 30/09/2030 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. HMO Specific Criteria Properties with four, or fewer, lettable bedrooms with a maximum of six occupants will be considered The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company Not available for student lets and care homes.
5.69% JBSP 2 Year Fixed Rate to 31/08/2027 (XF0984)							Code XF0984
More info	31/08/2027	7.94%	60%	£175*	£599~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 Application Fee - £175 + Valuation Fee 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 - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.9% APRC.
5.69% JBSP 2 Year Fixed Rate to 31/08/2027 (XF0984)							Code XF0984 (EB)
More info	31/08/2027	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 60% Fixed Rate end date - 31/08/2027 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.8% APRC.
5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)							Code XD0219 (EB)
More info	3 years	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% Loan to Value - 60% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.5% APRC.
5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)							Code XD0219
More info	3 years	7.94%	60%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.7% APRC.
6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)							Code XD0215 (EB)
More info	2 years	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 60% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.9% APRC.
6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)							Code XD0215
More info	2 years	7.94%	60%	£175*	£599~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee 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 - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC.
6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)							Code XD0217 (EB-)
More info	2 years	7.94%	60%	£0*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - 60% Application Fee - £0 for Product Switches Legal Fees* - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum for product switches Minimum Loan - No minimum for product switches. ^Cashback - £0 Cost for comparison - 7.9% APRC.
6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)							Code XD0220
More info	3 years	7.94%	80%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC.
6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)							Code XD0220 (EB)
More info	3 years	7.94%	80%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% Loan to Value - 80% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.6% APRC.
6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)							Code XD0217
More info	2 years	7.94%	60%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - Maximum 60% Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC.
6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)							Code XD0217 (EB)
More info	2 years	7.94%	60%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - 60% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 7.9% APRC.
6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)							Code XD0216 (EB)
More info	2 years	7.94%	80%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Discount - 1.60% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.34% Loan to Value - 80% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% APRC.
6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)							Code XD0216
More info	2 years	7.94%	80%	£175*	£599~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 1.60% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.34% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee 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 - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC.
6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)							Code XD0218 (EB)
More info	2 years	7.94%	80%	£125*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Discount - 1.50% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.44% Loan to Value - 80% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% APRC.
6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)							Code XD0218
More info	2 years	7.94%	80%	£175*	£999~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Discount - 1.50% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.44% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC.
6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)							Code XD0218 (EB-)
More info	2 years	7.94%	80%	£0*	£0~	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch Discount - 1.50% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.44% Loan to Value - 80% Application Fee - £0 for Product Switches Legal Fees* - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum for product switches Minimum Loan - No minimum for product switches. ^Cashback - £0 Cost for comparison - 8.0% APRC.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available on a Capital and Interest Repayment or an Interest-Only basis for applicants aged 18 and over for properties in England or Wales.

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Owner Occupier
Buy to Let

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:

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Further advance buy to let mortgages

4.94% 5 Year Fixed Rate to 31/08/2030 (XF1009)

4.94% 5 Year Fixed Rate to 31/08/2030 (XF1009)

5.04% 3 Year Fixed Rate to 31/08/2028 (XF0973)

5.04% 5 Year Fixed Rate to 31/08/2030 (XF1010)

5.04% 5 Year Fixed Rate to 31/08/2030 (XF1010)

5.14% 3 Year Fixed Rate to 31/08/2028 (XF0974)

5.14% 2 Year Fixed Rate to 31/08/2027 (XF0969)

5.14% 2 Year Fixed Rate to 31/08/2027 (XF0969)

5.19% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1011)

5.19% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1011)

5.24% 2 Year Fixed Rate to 31/08/2027 (XF0970)

5.24% 2 Year Fixed Rate to 31/08/2027 (XF0970)

5.29% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1012)

5.29% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1007)

5.29% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1007)

5.29% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1012)

5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)

5.34% Family Mortgage 5 Year Fixed Rate to 31/08/2030 (XF0979)

5.34% Family Mortgage 5 Year Fixed Rate to 31/08/2030 (XF0979)

5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)

5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)

5.34% 5 Year Fixed Rate to 31/08/2030 (XF1019)

5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)

5.34% 5 Year Fixed Rate to 31/08/2030 (XF1019)

5.34% 5 Year Fixed Rate to 31/08/2030 (XF1017)

5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - IO)

5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)

5.39% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0994)

5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - RP)

5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)

5.39% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0994)

5.39% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1008)

5.39% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1008)

5.44% 2 Year Fixed Rate to 31/08/2027 (XF1015)

5.44% 2 Year Fixed Rate to 31/08/2027 (XF1015)

5.44% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0996)

5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)

5.44% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0996)

5.44% 2 Year Fixed Rate to 31/08/2027 (XF1013)

5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)

5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)

5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)

5.49% 5 Year Fixed Rate to 31/08/2030 (XF1020)

5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)

5.49% 5 Year Fixed Rate to 31/08/2030 (XF1018)

5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)

5.49% 5 Year Fixed Rate to 31/08/2030 (XF1020)

5.54% Expat 5 Year Fixed Rate to 30/09/2030 (XF1023)

5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)

5.54% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0995)

5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)

5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)

5.54% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0995)

5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)

5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)

5.59% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0997)

5.59% 2 Year Fixed Rate to 31/08/2027 (XF1016)

5.59% Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0997)

5.59% 2 Year Fixed Rate to 31/08/2027 (XF1014)

5.59% 2 Year Fixed Rate to 31/08/2027 (XF1016)

5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)

5.64% HMO Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0998)

5.69% HMO Ltd Co 5 Year Fixed Rate to 30/09/2030 (XF0999)

5.69% JBSP 2 Year Fixed Rate to 31/08/2027 (XF0984)

5.69% JBSP 2 Year Fixed Rate to 31/08/2027 (XF0984)

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)