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
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2.49% 2 year fixed rate

 Code XF0287
31/10/2022 4.39% 75% £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 75%.
  • Early Repayment Charges - 2% until 31/10/2021, 1% until 31/10/2022
  • Cost for comparison - 4.1% 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 02/01/2021

2.59% 3 year fixed rate

 Code XF0288
31/10/2023 4.39% 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%.
  • Early Repayment Charges - 3% until 31/10/2021, 2% until 31/10/2022, 1% until 31/10/2023
  • Cost for comparison - 3.9% 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 01/02/2021

2.84% 3 year discounted rate

 Code XD0062
3 years 4.39% 75% £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 - 1.55% 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 75%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.74%
  • 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

2.99% 5 year discounted rate

 Code XD0063
5 years 4.39% 75% £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 - 1.40% 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 75%
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.9% APRC
  • Minimum interest - 2.89%
  • 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

3.76% 3 year discounted rate for Expats

 Code XD0066
3 years 5.14% 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 - 1.38% 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 - 5.0% APRC
  • Minimum interest - 3.66%
  • 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

3.04% 3 year discounted rate

 Code XD0065
3 years 5.14% 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 - 2.10% 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 - 4.9% APRC
  • Minimum interest - 2.94%
  • 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

3.66% 3 year discounted rate for Expats

 Code XD0064
3 years 4.39% 75% £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 - 0.73% 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 75%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.4% 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

2.69% 3 year fixed rate

 Code XF0289
31/10/2023 4.39% 75% £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 75%.
  • Early Repayment Charges - 3% until 31/10/2021, 2% until 31/10/2022, 1% until 31/10/2023
  • Cost for comparison - 4.0% APRC
  • Purpose - Purchase or 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 - £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 02/01/2021

2.39% 2 year fixed rate

 Code XF0286
31/10/2022 4.39% 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%.
  • Early Repayment Charges - 2% until 31/10/2021, 1% until 31/10/2022
  • Cost for comparison - 4.1% 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 02/01/2021

2.69% 5 year fixed rate

 Code XF0292
30/11/2025 4.39% 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%.
  • Early Repayment Charges - 5% until 30/11/2021, 4% until 30/11/2022, 3% until 30/11/2023, 2% until 30/11/2024, 1% until 30/11/2025
  • Cost for comparison - 3.7% 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 02/01/2021

2.99% 5 year fixed rate Family Mortgage

 Code XF0294
30/11/2025 4.39% 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 30/11/2021, 4% until 30/11/2022, 3% until 30/11/2023, 2% until 30/11/2024, 1% until 30/11/2025
  • Cost for comparison - 4.0% 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 02/01/2021

2.79% 5 year fixed rate

 Code XF0293
30/11/2025 4.39% 75% £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 75%.
  • Early Repayment Charges - 5% until 30/11/2021, 4% until 30/11/2022, 3% until 30/11/2023, 2% until 30/11/2024, 1% until 30/11/2025
  • Cost for comparison - 3.8% 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 02/01/2021

3.04% 3 year fixed rate

 Code XF0302
30/09/2023 5.14% 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 30/09/2021, 2% until 30/09/2022, 1% until 30/09/2023
  • Cost for comparison - 4.8% 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 02/01/2021

3.34% 3 year fixed rate

 Code XF0303
30/09/2023 5.14% 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 30/09/2021, 2% until 30/09/2022, 1% until 30/09/2023
  • Cost for comparison - 4.9% 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 02/01/2021

3.44% 2 year Discounted Rate Offset Mortgage

 Code XO0030
2 years 5.14% 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 - 1.70% 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 - 4.9% APRC
  • Minimum interest - 3.34%
  • 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 the linked Offset Saver account on completion of the mortgage.

2.64% 2 year discounted rate Offset Mortgage

 Code XO0028
2 years 4.49% 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 - 1.85% 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 - 4.3% APRC
  • Minimum interest - 2.54%
  • 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

2.74% 2 year discounted rate Offset Mortgage

 Code XO0029
2 years 4.49% 75% £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 - 1.75% 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 75%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.64%
  • 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

3.39% 5 year fixed rate Retirement Interest Only

 Code XFZ005
30/11/2025 4.39% 50% £175* £999** £250 No 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 50%.
  • Early Repayment Charges - 5% until 30/11/2021, 4% until 30/11/2022, 3% until 30/11/2023, 2% until 30/11/2024, 1% until 30/11/2025
  • Cost for comparison - 4.0% 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 02/01/2021

3.44% discounted rate Retirement Interest Only

 Code XDZ003
n/a years 4.39% 50% £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 - 0.95% discount applied to our Managed Mortgage Rate for term
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 50%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year. Charged on money repaid
  • Cost for comparison - 3.7% APRC
  • Minimum interest - 3.34%
  • Purpose - Purchase and remortgage, product switch and further advance
  • *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

3.46% 3 year discounted rate for Expats

 Code XD0060
3 years 5.14% 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 - 1.68% 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 - 4.8% APRC
  • Minimum interest - 3.36%
  • 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

3.44% 10 year discounted rate Retirement Lifestyle Booster

 Code XDR005
10 years 4.39% 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 - 0.95% 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 - 3.8% APRC
  • Minimum interest - 3.34%
  • 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

3.54% discounted rate Retirement Interest Only with flexible features

 Code XDZL03
n/a years 4.49% 50% £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 - 0.95% discount applied to our Managed Flexi Mortgage Rate for term
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 50%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year. Charged on the original loan amount
  • Overpayments - Allowed, Early Repayment Charges free, where the mortgage is not fully redeemed
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 3.44%
  • Purpose - Purchase and remortgage, product switch and further advance
  • *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 Offset Mortgage

 Code XO0026
2 years 5.14% 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 - 2.00% 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 - 4.9% APRC
  • Minimum interest - 3.04%
  • 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 the linked Offset Saver account on completion of the mortgage.

2.74% 3 year discounted rate

 Code XD0058
3 years 5.14% 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 - 2.40% 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 - 4.8% 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

3.56% 3 year discounted rate for Expats

 Code XD0056
3 years 4.39% 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 - 0.83% 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 - 4.4% APRC
  • Minimum interest - 3.46%
  • 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

2.74% 3 year discounted rate

 Code XD0052
3 years 4.39% 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 - 1.65% 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 - 4.1% APRC
  • Minimum interest - 2.64%
  • 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

2.89% 5 year discounted rate

 Code XD0054
5 years 4.39% 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 - 1.50% 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 - 3.9% APRC
  • Minimum interest - 2.79%
  • 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

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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.
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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.
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Your Local BDM:

Nathan Waller

Nathan was previously a mortgage and protection adviser, and 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 & 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 & North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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