Product Switch

View the range of products available to customers coming to the end of their product term. We will write to customers three months before their product is due to expire with the products available to them.

Please ensure your client have completed our Consent to Release Information Form when doing a product switch on their behalf.

Multiple family members on one mortgage? No problem

Please note: For all of our mortgage products there is no fee for product transfers. 

Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

6.39% (2.05% Discounted Rate from follow on rate) for 2 years (XD0190)

 Code XD0190
2 years 8.44% 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 - Product switch and further advance
  • Discount - 2.05% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum rate - 3.74%
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance, £0 for product switch
  • Legal Fees -  £100 minimum for further advance
  • Valuation fee - £0 for further advance, £0 for product switch
  • ~Product Fee - £0 for further advance, £0 for product switch
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC
 
 
 

6.49% (1.95% Discounted Rate from follow on rate) for 2 years (XD0191)

 Code XD0191
2 years 8.44% 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 - Product switch and further advance
  • Discount - 1.95% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum rate - 3.84%
  • LTV - Maximum 80%.
  • *Application Fee - £125 for further advance, £0 for product switch
  • Valuation Fees - £0 for further advance, £0 for product switch
  • ~Product Fee - £0 for further advance and £0 for product switch
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC
 
 
 

6.69% JBSP 1.75% Discounted Rate from follow on rate for 2 years (XD0194)

 Code XD0194
2 years 8.44% 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 - Joint Borrower Sole Proprietor applications for product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.04% 
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees -  £100 minimum for further advance.
  • Valuation Fees - £0 for further advance, £0 for product switch
  • ~Product Fee - £0 for further advance, £0 for product switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.4% APRC

6.79% JBSP 1.65% Discounted Rate from follow on rate for 2 years (XD0195)

 Code XD0195
2 years 8.44% 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 - 1.65% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.14% 
  • LTV - Maximum 80%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees -  £100 minimum for further advance.
  • Valuation Fees - £0 for further advance, £0 for product switch
  • ~Product Fee - £0 for further advance, £0 for product switch
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.4% APRC

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

7.14% JBSP 1.30% Discounted Rate from follow on rate for 2 years (XD0198)

 Code XD0198
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 - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.30% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.49% 
  • 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 (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£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  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.6% APRC

7.64% JBSP 0.80% Discounted Rate from follow on rate for 2 years (XD0199)

 Code XD0199
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 - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 0.80% discount applied to our Managed Mortgage Rate for the first 2 years.
  • Minimum interest - 4.99%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage applications. (£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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% for the first year, 1% for the second 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 - 8.7% APRC

7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200)

 Code XD0200
2 years 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 - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.20% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.59%
  • 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. (£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 - 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice

7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201)

 Code XD0201
2 years 8.44% 80% £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 - Expat purchase, remortgage, product switch and further advance
  • Discount - 0.70% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 5.09%
  • LTV - Maximum 80%
  • *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. (£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 - 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.8% APRC
  • Additional criteria - We require a UK address for the serving of notice.

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

6.44% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0677)

 Code XF0677
31/01/2026 8.44% 60% £175* £599~ £500^ 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 purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
  • LTV - Maximum 60%.
  • 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 -  £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
  • Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2025, 1% until 31/01/2026
  • Maximum loan - £500,000
  • 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 - 8.4% APRC

6.54% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0678)

 Code XF0678
31/01/2026 8.44% 80% £175* £599~ £500^ Yes No Yes  
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, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • 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 - £599 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2025, 1% until 31/01/2026
  • 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 - 8.4% 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.

5.74% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0681)

 Code XF0681
31/01/2029 8.44% 60% £175* £599~ £500^ 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 Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
  • 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 - £599 for loans up to £500,000. (£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  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC

5.84% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0682)

 Code XF0682
31/01/2029 8.44% 80% £175* £599~ £500^ Yes No Yes  
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, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
  • 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 - £599 for loans up to £500,000. (£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  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 7.6% APRC

5.79% Family Mortgage 5 Year Fixed Rate to 31/01/2029 (XF0683)

 Code XF0683
31/01/2029 8.44% 95% £175* £599~ £250^ Yes No Yes  
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
  • Fixed rate end date - 31/01/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Legal Fee - £100 minimum for further advances
  • 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £250 for purchase 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 - £500,000
  • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7%
 

6.69% 2 Year Fixed Rate to 31/01/2026 (XF0684)

 Code XF0684
31/01/2026 8.44% 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 - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2026
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.3% APRC

7.19% 2 Year Fixed Rate to 31/01/2026 (XF0685)

 Code XF0685
31/01/2026 8.44% 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 - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/01/2026
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.5% APRC

5.99% 5 Year Fixed Rate to 31/01/2029 (XF0687)

 Code XF0687
31/01/2029 8.44% 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 - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 7.4% APRC

6.49% 5 Year Fixed Rate to 31/01/2029 (XF0688)

 Code XF0688
31/01/2029 8.44% 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 - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • 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 - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 7.7% APRC

6.19% FFGM 5 Year Fixed Rate to 31/01/2029 (XF0690)

 Code XF0690
31/01/2029 8.44% 95% £125* £0 £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, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • 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 - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 7.9% APRC

6.49% RIO 5 Year Fixed Rate to 31/01/2029 (XFZ019)

 Code XFZ019
31/01/2029 8.44% 50% £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 - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • Fixed Rate end date - 31/01/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for 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 and 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 and 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
  • 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 - 7.9% APRC
  • Additional criteria - Borrowers are required to nominate a Registered Contact when they apply

6.84% Offset Mortgage 1.70% Discounted Rate from follow on rate for 2 years (XO0057)

 Code XO0057
2 years 8.54% 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 - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.70% applied to our Managed Flexi Mortgage Rate for 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. (£0 for further advance and 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 and switch)
  • ^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 - 8.4% 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

6.94% Offset Mortgage 1.60% Discounted Rate from follow on rate for 2 years (XO0058)

 Code XO0058
2 years 8.54% 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 - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.60% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 4.29%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance. £0 for product switch)
  • Valuation Fee - 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 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 - 8.5% 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

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.

How to apply for a product switch for your client

We’re committed to making the same products available to our existing borrowers as those available to new borrowers in equivalent circumstances, with no extra cost to change mortgage product. You can apply for a product switch up to three months in advance of the current product end date.

Follow our six steps for an easy application:

  1. We will let borrowers know about their new mortgage options around three months before the end of term.
  2. When you have discussed these options, ask your client to complete the Consent to Release Information Form and return it to us using the Secure Document Upload facility along with the new product selection.
  3. You will then receive an email confirmation from us letting you know that we have received the forms and will process your request within three days.
  4. We’ll send you a product switch pack containing the acceptance form and a mortgage variation offer.
  5. Ensure the acceptance form is signed by your client and returned to our Mortgage Service Team using the Secure Document Upload facility. Without this form, we won’t be able to progress their switch further.
  6. We’ll then confirm the product switch to your client and pay you your proc fee seven - ten working days after the date of the product switch.





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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.
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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:

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.
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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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