Product selector

Not sure which product will be best matched to you and your client? Find a quick match here based on some simple choices, or search by product code using the search box at the top of the page. If you need, you can also compare all our Owner Occupier products or Buy to Let products at a glance.

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

3.39% 5 year fixed rate

 Code XF0256
30/04/2025 5.04% 80% £175* £249** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 30/04/2021, 4% until 30/04/2022, 3% until 30/04/2023, 2% until 30/04/2024, 1% until 30/04/2025
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase and remortgage
  • *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 - £249 
  • Additional criteria - The mortgage must complete by 01/07/2020

2.99% 5 year fixed rate

 Code XF0251
30/04/2025 5.04% 60% £175* £1499** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 5% until 30/04/2021, 4% until 30/04/2022, 3% until 30/04/2023, 2% until 30/04/2024, 1% until 30/04/2025
  • Cost for comparison - 4.3% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 01/07/2020

3.04% 3 year base rate tracker

 Code XT0010
3 years 5.04% 60% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.6% APRC
  • Minimum interest - 2.59%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

2.79% 3 year fixed rate

 Code XF0248
31/05/2023 5.04% 60% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% until 31/05/2021, 2% until 31/05/2022, 1% until 31/05/2023
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 01/07/2020

2.49% 2 year fixed rate

 Code XF0244
30/06/2022 5.04% 60% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% until 30/06/2021, 1% until 30/06/2022
  • Cost for comparison - 4.5% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 01/07/2020

3.24% 3 year fixed rate

 Code XF0260
30/06/2023 5.79% 60% £175* £999** £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 3% until 30/06/2021, 2% until 30/06/2022, 1% until 30/06/2023
  • Cost for comparison - 5.3% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Additional criteria - The mortgage must complete by 01/07/2020

3.19% 5 year fixed rate

 Code XF0255
30/04/2025 5.04% 60% £175* £249** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 5% until 30/04/2021, 4% until 30/04/2022, 3% until 30/04/2023, 2% until 30/04/2024, 1% until 30/04/2025
  • Cost for comparison - 4.3% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 01/07/2020

3.34% 2 year discounted rate Offset Mortgage

 Code XO0023
2 years 5.79% 65% £175* £999** £100 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.45% discount applied to our Residential Investment 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 65%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 5.7% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. A cashback of £100 will be used to open your linked Offset Saver account on completion of the mortgage.

3.29% 5 year discounted rate

 Code XD0048
5 years 5.04% 60% £175* ££249** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 5 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 60%
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.3% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.94% 3 year discounted rate

 Code XD0046
3 years 5.04% 60% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.10% discount applied to our Managed Mortgage Rate for the first 3 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 60%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.5% APRC
  • Minimum interest - 2.49%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

3.14% 2 year discounted rate

 Code XO0022
2 years 5.79% 60% £175* £999** ££100 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.65% applied to our Residential Investment Managed Mortgage Rate for the first 3 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 60%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.7% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. A cashback of £100 will be used to open your linked Offset Saver account on completion of the mortgage.

2.89% 5 year fixed rate Family Mortgage

 Code XF0258
30/04/2025 5.04% 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
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 5% until 30/04/2021, 4% until 30/04/2022, 3% until 30/04/2023, 2% until 30/04/2024, 1% until 30/04/2025
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 01/07/2020

3.54% 10 year discounted rate Retirement Lifestyle Booster

 Code XDR004
10 years 5.04% 25% £175* £999** £250 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for 10 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 25%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.0% APRC
  • Minimum interest - 3.09%
  • Purpose - Remortgage only
  • *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. 0.3% of the advance for loans over £500,000
  • Minimum property value - £240,000 if property owned outright or £180,000 if repaying existing mortgage

3.66% 3 year discounted rate for Expats

 Code XD0049
3 years 5.04% 60% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.38% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.8% APRC
  • Minimum interest - 3.21%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *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

2.89% 3 year discounted rate

 Code XD0050
3 years 5.79% 60% £175* £999** £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.90% applied to our Residential Investment Managed Mortgage Rate for the first 3 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 60%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.4% APRC
  • Minimum interest - 2.44%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

2.69% 2 year fixed rate

 Code XF0245
30/06/2022 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% until 30/06/2021, 1% until 30/06/2022
  • Cost for comparison - 4.6% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 01/07/2020

3.44% 3 year fixed rate

 Code XF0261
30/06/2023 5.79% 65% £175* £999** £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% until 30/06/2021, 2% until 30/06/2022, 1% until 30/06/2023
  • Cost for comparison - 5.3% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Additional criteria - The mortgage must complete by 01/07/2020

3.09% 5 year discounted rate

 Code XD0047
5 years 5.04% 60% £175* £1499** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.95% discount applied to our Managed Mortgage Rate for the first 5 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 60%
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.3% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.44% 2 year discounted rate Offset Mortgage

 Code XO0021
2 years 5.14% 60% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.70% 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 60%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.8% APRC
  • Minimum interest - 1.99%
  • 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

3.56% 3 year discounted rate for Expats

 Code XD0051
3 years 5.79% 60% £175* £999** £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.23% applied to our Residential Investment Managed Mortgage Rate for the first 3 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 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.5% APRC
  • Minimum interest - 3.11%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.19% 5 year fixed rate

 Code XF0252
30/04/2025 5.04% 80% £175* £1499** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 30/04/2021, 4% until 30/04/2022, 3% until 30/04/2023, 2% until 30/04/2024, 1% until 30/04/2025
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 01/07/2020

2.84% 3 year fixed rate Family Mortgage

 Code XF0257
31/05/2023 5.04% 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
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 3% until 31/05/2021, 2% until 31/05/2022, 1% until 31/05/2023
  • Cost for comparison - 4.7% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 01/07/2020

3.76% 3 year discounted rate for Expats

 Code XD0042
3 years 5.04% 60% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.28% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 3.56%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *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

3.86% 3 year discounted rate for Expats

 Code XD0043
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.18% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 3.66%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *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

2.99% 3 year fixed rate

 Code XF0249
31/05/2023 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% until 31/05/2021, 2% until 31/05/2022, 1% until 31/05/2023
  • Cost for comparison - 4.5% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 01/07/2020

3.76% 3 year discounted rate for Expats

 Code XD0045
3 years 5.79% 65% £175* £999** £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.03% applied to our Residential Investment Managed Mortgage Rate for the first 3 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 65%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.6% APRC
  • Minimum interest - 3.56%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.09% 3 year discounted rate

 Code XD0038
3 years 5.79% 65% £175* £999** £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.70% applied to our Residential Investment Managed Mortgage Rate for the first 3 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 65%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.4% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.34% 2 year discounted rate Offset Mortgage

 Code XO0019
2 years 5.79% 65% £175* £999** £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.45% discount applied to our Residential Investment 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 65%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 5.7% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage

3.29% 5 year discounted rate

 Code XD0036
5 years 5.04% 80% £175* £1499** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 5 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.49% 5 year discounted rate

 Code XD0037
5 years 5.04% 80% £175* £249** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.55% discount applied to our Managed Mortgage Rate for the first 5 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.04%
  • Purpose - Purchase and remortgage
  • *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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.14% 3 year discounted rate

 Code XD0032
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.90% discount applied to our Managed Mortgage Rate for the first 3 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.6% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

3.24% 3 year base rate tracker

 Code XT0008
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.79%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

2.64% 2 year discounted rate Offset Mortgage

 Code XO0017
2 years 5.14% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.50% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 2.19%
  • 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
  • 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

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:

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:

Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Nathan Waller

Nathan was previously a mortgage and protection adviser, and focuses on Essex and Kent. Contact Nathan for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Charlotte Grimshaw

Charlotte has a background working with intermediaries within the Building Society sector and focuses around the West M25 area. Contact Charlotte 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 & West Midlands. 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 & 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: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon

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