4.59% 5 Year Fixed Rate to 31/01/2030 (XF0899) - XF0899

All applicants

• ID documents if the electronic check we carry out on the applicant fails
• Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide these on submission.

Remortgage applicants

• A copy of the existing / proposed tenancy agreement
• Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).

Purchase applicants

• Evidence of deposit in a UK account held by the applicant(s)
• For gifted deposits, we require a signed gifted letter from the giftor plus evidence of funds in a UK account.

Applicants with four or more mortgaged Buy to Let properties

• We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan. For the assets and liabilities form and the business plan checklist, please click here.

Purchase and Remortgage fees

• 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

Procuration Fees (gross fee paid)

• For all types of procuration fees paid and for further fee information, please click here.