Core Purchase and Remortgage Range

We offer a range of core fixed and variable rate mortgages for purchase and remortgage up to 80% LTV. These mortgages are suitable for clients who don't require our specialist products but would still benefit from our personalised underwriting.

All mortgages from our core range are available for older borrowers. For our repayment mortgages we offer up to a maximum age of 95 at the end of the term, and our Interest-Only mortgages offer a maximum age of 89 when the loan commences.

Enjoying life. Not worrying about their mortgage
Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

6.84% (1.60% Discounted Rate from follow on rate) for 2 years (XD0196)

 Code XD0196
2 years 8.44% 60% £175* £599~ £500^ No Yes 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
  • Discount - 1.60% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum rate - 4.19%
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^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 - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.5% APRC

7.34% (1.10% Discounted Rate from follow on rate) for 2 years (XD0197)

 Code XD0197
2 years 8.44% 80% £175* £599~ £500^ No Yes 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
  • Discount - 1.10% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum rate - 4.69%
  • LTV - Maximum 80%.
  • *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for product switch) 
  • 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. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch) 
  • ^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 - £45,000 for purchase and remortgage. £2,000 for further advances. No minimum for product switches.
  • Cost for comparison - 8.6% APRC

6.24% 2 Year Fixed Rate to 31/01/2026 (XF0675)

 Code XF0675
31/01/2026 8.44% 60% £175* £999~ £500^ 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
  • Fixed Rate end date - 31/01/2026
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount (£0 for further advance. £0 for product switch)
  • Early Repayment Charges - 2% until 31/01/2025, 1% until 31/01/2026
  • 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
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 8.0% APRC

6.34% 2 Year Fixed Rate to 31/01/2026 (XF0676)

 Code XF0676
31/01/2026 8.44% 80% £175* £999~ £500^ 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 80%.
  • Fixed Rate end date - 31/01/2026
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/01/2025, 1% until 31/01/2026
  • 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
  • Additional benefits:
    ^Cashback     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 8.1% APRC

5.54% 5 Year Fixed Rate to 31/01/2029 (XF0679)

 Code XF0679
31/01/2029 8.44% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 6.5%

5.64% 5 Year Fixed Rate to 31/01/2029 (XF0680)

 Code XF0680
31/01/2029 8.44% 80% £175* £999~ £500^ 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 80%
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 6.6% APRC.

6.89% 2 Year Fixed Rate to 31/01/2026 (XF0686)

 Code XF0686
31/01/2026 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2026
  • *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 31/01/2025, 1% until 31/01/2026
  • 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
  • Cost for comparison - 8.5% APRC

6.19% 5 Year Fixed Rate to 31/01/2029 (XF0689)

 Code XF0689
31/01/2029 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2025, 4% until 31/01/2026, 3% until 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.5% APRC

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

Criteria checker

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

Find Your Local

Business Development Manager

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.
Edit my local BDM

Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

Edit my local BDM