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2.74% 2 year discounted rate at 1.75% Offset Mortgage

 Code XO0029
2 years 4.49% 75% £175* £999** Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% applied to our Flexi 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 75%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fee - 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
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. A cashback of £250 will be used to open your linked Offset Saver account on completion of the mortgage.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

2.99% 3 year discounted rate at 1.40%

 Code XD0068
3 years 4.39% 75% £125* £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· Discount - 1.40% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.89% 
· LTV - Above 60%.
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Cashback - £0
· 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 - £2,000 for further advance. No minimum for product switches
· Cost for comparison - 4.0% APRC
 

3.54% 5 year fixed rate

 Code XF0361
31/05/2026 5.14% 65% £125* £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Above 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.5% APRC
· Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.64% 5 year fixed rate Family Mortgage

 Code XF0348
30/06/2026 4.39% 95% £175* £599~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • LTV - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account
  • *Application Fee - £175 + Valuation Fee for purchase. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £599 
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

2.74% 3 year discounted rate at 1.65%

 Code XD0067
3 years 4.39% 60% £175* £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and additional borrowing
  • Discount - 1.65% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.64%
  • LTV - Maximum LTV 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • ^Cashback -£0
  • Early Repayment Charges - 3% until 30/06/2022, % until 30/06/2023, 1% until 30/06/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 3.9% APRC

3.24% 5 year fixed rate

 Code XF0360
31/05/2026 5.14% 60% £125* £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.3% APRC
· Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.09% 5 year fixed rate

 Code XF0344
30/06/2026 4.39% 60% £175* £999~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  •  Additional criteria - The mortgage must complete by 01/07/2021

2.59% 2 year fixed rate

 Code XF0336
30/06/2023 4.39% 60% £175* £999~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • LTV - Maximum LTV 60%.
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • *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 30/06/2022, 1% until 30/06/2023
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.59% 3 year fixed rate

 Code XF0342
30/06/2024 4.39% 60% £125* £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose -  Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022 2% until 30/06/2023, 1% until 30/06/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 3.6% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

2.84% 2 year fixed rate

 Code XF0337
30/06/2023 4.39% 75% £175* £999~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • LTV - Maximum 75%
  • *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 30/06/2022, 1% until 30/06/2023
  • 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 
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.34% 5 year fixed rate

 Code XF0345
30/06/2026 4.39% 75% £175* £999~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

2.84% 3 year fixed rate

 Code XF0343
30/06/2024 4.39% 75% £125* £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Above 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 3.8% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.49% 5 year fixed rate Retirement Interest-Only

 Code XFZ007
30/06/2026 4.39% 50% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.09% 3 year fixed rate

 Code XF0351
30/06/2024 4.39% 60% £125* £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.1% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

2.84% 2 year discounted rate at 1.65% Offset mortgage

 Code XO0035
2 years 4.49% 60% £175* £999~ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.65% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.74%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • 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 - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.5% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

2.39% 2 year fixed rate

Code XF0338
30/06/2023 4.39% 60% £125* £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 3.9% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.04% 3 year discounted rate at 1.35% JMSO

 Code XD0086
3 years 4.39% 60% £175* £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.35% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.94% 
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000.  See more details, fees & downloads for product switch and further advance fees.
  • ^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  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC

2.94% 3 year discounted rate at 1.45%

 Code XD0078
3 years 4.39% 60% £175 £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.45% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.84%
  • LTV - Maximum LTV 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 
  • Cost for comparison - 4.1% APRC

3.19% 3 year discounted rate at 1.20%

 Code XD0079
3 years 4.39% 75% £175* £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.20% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 3.09%
  • LTV - Maximum LTV 75%.
  • *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% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • 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 
  • Cost for comparison - 4.2% APRC

3.29% 3 year discounted rate at 1.10% JMSO

 Code XD0087
3 years 4.39% 75% £175* £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.10% discount applied to our Managed Mortgage Rate for the first 3 years.
  • Minimum interest - 3.19%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC

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