Product selector

• Purpose - Purchase, remortgage, product switch and further advance
• Fixed Rate end date - 31/10/2024
• 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 31/10/2023, 1% until 31/10/2024
• 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 - 4.5% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 80%.
• Fixed Rate end date - 31/10/2024
• *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 31/10/2023, 1% until 31/10/2024
• 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 - 4.5% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Joint Mortgage Sole Owner 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 - 31/10/2024
• *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 31/10/2023, 1% until 31/10/2024
• 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 - 4.6% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 70%.
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
• ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
• 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 - 5.2% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
• LTV - Maximum 60%
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
•  ^~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 5.3% APRC
• Additional criteria - The mortgage must complete by 03/10/2022
• The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 60%.
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
• ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 and 1% until 31/10/2025
• 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 - 5.2% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 31/10/2025
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies.
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
• ^~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. £0 for further advance and product switch)
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 5.3% APRC
• Additional criteria - The mortgage must complete by 03/10/2022
• The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100  or 68209

• Purpose - Product switch and further advance
• LTV - Maximum 60%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for further advances
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 4.4% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Product switch and further advance
• LTV - 70%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for for further advances
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 4.5% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 80%
• Fixed Rate end date - 31/10/2027
• *Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £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 advances. £0 for product switch)
• ^Cashback - £500 for remortgage applications
• Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• 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 - 3.9% APRC
• Additional criteria - The mortgage must complete by 03/10/2022 

• 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 - 31/10/2027
• *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 purchase applications. (£0 for further advance, £0 for product switch)
• ^Cashback - £250 for purchase applications
• Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• Maximum loan - £500,000
• Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
• Cost for comparison - 4.3% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Joint Mortgage Sole Owner 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 - 31/10/2024
• *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.  (£0 for further advance. £0 for product switch)
• ^Cashback - £500 for remortgage applications
• Early Repayment Charges - 2% until 30/04/2023, 1% until 31/10/2024
• 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 - 4.6% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Purchase, remortgage, product switch and further advance
• LTV - Maximum 60%
• Fixed Rate end date - 31/10/2027
• *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 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• 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 - 3.9% APRC
•  Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Joint Mortgage Sole Owner 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 - 31/10/2027
• Application Fee - £175 + Valuation Fee. (£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 - £599 for loans up to £500,000. (£0 for further advance and switch)
• ^Cashback - £500 for remortgage applications
• Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• 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 - 4.2% APRC
• Additional criteria - The mortgage must complete by 03/10/2022

• Purpose - Product switch and further advance
• LTV - Maximum 60%
• Fixed Rate end date - 31/10/2025
• *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 - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 4.3% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
• LTV - Maximum LTV 95%.
• Fixed Rate end date - 31/10/2025
• *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 - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 4.6% APRC

• Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
• LTV - Maximum 50%.
• Fixed Rate end date - 31/10/2027
• *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 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• 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 - 4.2% APRC
• Additional criteria - The mortgage must complete by 03/10/2022. Borrowers are required to nominate a Registered Contact when they apply

• Purpose - Product switch and further advance
• LTV - Maximum 60%.
• Fixed Rate end date - 31/10/2025
• *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 - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 4.0% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Product switch and further advance
• LTV - Maximum 80%.
• Fixed Rate end date - 31/10/2025
• *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 - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
• 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 - 4.0% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Expat product switch and further advance
• LTV - Maximum 60%
• Fixed rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switch
• Legal fees - £100 minimum for further advances
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 4.9% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Product switch and further advance
• LTV - Maximum 80%
• Fixed Rate end date - 31/10/2025
• *Application Fee - £125 for further advance. £0 for product switches.
• Legal Fees - £100 minimum for further advances
• Valuation Fees - £0
• Cashback - £0
• Early Repayment Charges - 3% until 31/10/2023, 2% until 31/10/2024 1% until 31/10/2025
• 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 - 4.4% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Expat product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for further advances
• Valuation Fees - £0
• ^~Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 5.0% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

• Purpose - Buy to Let Limited Company product switch and further advance
• LTV - Maximum 60%
• Fixed rate end date - 30/09/2027  
• *Application Fee - £125 for further advance. £0 for product switches
• Legal fees - £100 minimum for further advance. 
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 4.8% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.25% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.29% 
· LTV - Maximum 70%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance and £0 for product switch)
· Valuation Fees (Purchase) - Full standard valuation fee scale applies. (£0 for further advance and switch)
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies.
· ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and £0 for product switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 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 - 5.4% 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 of £100 will be used to open your linked Offset Saver account

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• Loan to Value - Maximum 80%
• Fixed Rate end date - 31/10/2027
• 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) 
• 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
• Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
• Cost for comparison - 4.2% APRC
• Additional criteria – The mortgage must complete by 03/10/2022 

• Purpose - Remortgage only
• Discount - 1.65% discount applied to our Managed Mortgage Rate for 10 years
• Minimum interest - 3.14%
• LTV - Maximum 25%
• *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
• Additional benefits:
  - ^Cashback - £500 on completion for remortgage applications
• Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third 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
• Cost for comparison - 3.4% APRC
• Additional criteria - Minimum property value is £240,000 if property owned outright or £180,000 if repaying existing mortgage

· Purpose - Expat purchase, remortgage, product switch and further advance
· Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 3.09% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
· Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply.
· ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and switch)
· Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third 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 - 5.3% APRC

• Purpose - Expat purchase, remortgage, product switch and further advance
• Discount - 1.65% discount applied to our Managed Mortgage Rate for the first 3 years
• Minimum interest - 3.14%
• 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 - 3% in the first year, 2% in the second year, 1% in the third 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 - 4.4% APRC
• Additional criteria - We require a UK address for the serving of notice.

• Purpose - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 1.95% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 2.94%
• 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 - 4.6% 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

• Purpose - Expat purchase, remortgage, product switch and further advance
• Discount - 1.80% discount applied to our Managed Mortgage Rate for the first 3 years
• Minimum interest - 2.99%
• 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 - 3% in the first year, 2% in the second year, 1% in the third 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 - 4.4% APRC
• Additional criteria - We require a UK address for the serving of notice

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• Discount - 1.95% discount applied to our Managed Mortgage Rate for the first 3 years.
• Minimum interest - 2.84%
• 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 - 3% for the first year, 2% for the second year, 1% for the third 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 - 4.6% APRC

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.40% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.14% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. 
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies.
· ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 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 - 5.4% 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 of £100 will be used to open your linked Offset Saver account

• Purpose -  Purchase, remortgage, product switch and further advance
• Discount - 2.25% discount applied to our Managed Mortgage Rate for the first 3 years
• Minimum rate - 2.54%
• 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 - 3% in the first year, 2% in the second year, 1% in the third 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. £2,000 for further advances. No minimum for product switches.
• Cost for comparison - 4.4% APRC

• Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• Discount - 2.10% applied to our Managed Mortgage Rate for 3 years
• Minimum rate - 2.69% 
• 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. (£0 for further advance. £0 for product switch)
• ^Cashback - £500 for remortgage applications
• Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third 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 - 4.5% APRC

• Purpose - Purchase, remortgage, product switch and further advance
• Discount - 2.40% discount applied to our Managed Mortgage Rate for the first 3 years
• Minimum rate - 2.39%
• 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 - 3% in the first year, 2% in the second year, 1% in the third 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 - 4.3% APRC

• Purpose - Purchase, remortgage, product switch and further advance
• Discount - 3.05% applied to our Residential Investment Managed Mortgage Rate for 3 years
• Minimum rate - 2.49% 
• LTV - Maximum 60%
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
• Valuation Fees (Purchase) - Full standard valuation fee scale applies
• Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
• Valuation Fees (Further advance and Product Switch) - £0
• Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
• ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and switch)
• Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third 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 - 5.1% APRC

· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.90% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 2.64% 
· LTV - 70%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Full standard valuation fee scale applies.(£0 for further advance and switch)
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. 
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies. 
· ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third 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 - 5.1% APRC

• Purpose - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 2.05% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 2.84%
• 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 - 4.6% 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

• Purpose - Buy to Let Limited Company product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 30/09/2027
• *Application Fee - £125 for further advance. £0 for product switches
• Valuation Fees - £0
• Product Fee - £0
• Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
• 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 - 4.8% APRC
• Additional criteria - For further advances, the mortgage must complete by 03/10/2022