Further Advance

For our existing customers who are looking to borrow more, we offer a range of further advance products. Please make sure to check the eligibility of the product depending on your client's circumstances.

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Only		 FTB

5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

 Code XD0232 (EB)
2 years 7.54% 80% £125* £0~ £0 Yes No No  
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 - 2.35% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.44%
  • 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 - 6.8% APRC.

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

 Code XD0233 (EB)
2 years 7.54% 80% £125* £0~ £0 Yes No No  
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 - 2.25% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.54%
  • 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 - 7.2% APRC.

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

 Code XD0234 (EB)
2 years 7.54% 80% £125* £0~ £0 No Yes No  
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 2 years
  • Minimum Rate - 3.79%
  • 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 - 7.3% APRC.

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

 Code XD0235 (EB)
2 years 7.54% 80% £125* £0~ £0 No Yes No  
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 - 3.94%
  • 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 - 7.5% APRC.

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

 Code XD0236 (EB)
2 years 7.54% 80% £125* £0~ £0 No Yes No  
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 - 4.04%
  • 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 - 7.3% APRC.

5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)

 Code XF1315 (EB)
31/10/2028 7.54% 60% £125* £0~ £0 Yes No No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)

 Code XF1316 (EB)
31/10/2028 7.54% 80% £125* £0~ £0 Yes No No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)

 Code XF1317 (EB)
31/10/2028 7.54% 80% £125* £0~ £0 Yes No No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • 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 - 7.2% APRC.

5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)

 Code XF1318 (EB)
31/10/2028 7.54% 90% £125* £0~ £0 Yes No No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • 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 - 7.3% APRC.

5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)

 Code XF1319 (EB)
31/10/2031 7.54% 60% £125* £0~ £0 Yes No No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 5.9% APRC.

5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)

 Code XF1320 (EB)
31/10/2031 7.54% 80% £125* £0~ £0 Yes No No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.0% APRC.

5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)

 Code XF1321 (EB)
31/10/2031 7.54% 80% £125* £0~ £0 Yes No No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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 - 6.5% APRC.

5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)

 Code XF1322 (EB)
31/10/2031 7.54% 90% £125* £0~ £0 Yes No No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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 - 6.6% APRC.

5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)

 Code XF1324 (EB)
31/10/2028 7.54% 60% £125* £0~ £0 No Yes No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)

 Code XF1326 (EB)
31/10/2028 7.54% 80% £125* £0~ £0 No Yes No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC.

6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)

 Code XF1327 (EB)
31/10/2028 7.54% 80% £125* £0~ £0 No Yes No  
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 - 31/10/2028
  • *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 - 2% until 31/10/2027, 1% until 31/10/2028
  • 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 - 7.5% APRC.

5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)

 Code XF1328 (EB)
31/10/2031 7.54% 60% £125* £0~ £0 No Yes No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)

 Code XF1329 (EB)
31/10/2031 7.54% 80% £125* £0~ £0 No Yes No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)

 Code XFZ036 (EB)
31/10/2031 7.54% 50% £125* £0~ £0 No Yes No  
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 - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% 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.

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