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.

Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
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3.09% 2 year fixed rate until 31/10/2024 |
Code XF0493 | |||||||||
More info | 31/10/2024 | 4.79% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
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3.19% 2 year fixed rate until 31/10/2024 |
Code XF0494 | |||||||||
More info | 31/10/2024 | 4.79% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
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3.19% 2 year fixed rate until 31/10/2024 JMSO |
Code XF0495 | |||||||||
More info | 31/10/2024 | 4.79% | 60% | £175* | £599~ | £500^ | Yes | No | Yes | |
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3.24% 3 year fixed rate until 31/10/2025 |
Code XF0512 | |||||||||
More info | 31/10/2025 | 5.54% | 70% | £175* | £999~ | £0 | Yes | Yes | No | |
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3.39% 3 year fixed rate until 31/10/2025 Limited Company |
Code XF0513 | |||||||||
More info | 31/10/2025 | 5.54% | 60% | £175* | £1,499~ | £0 | Yes | Yes | No | |
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3.09% 3 year fixed rate until 31/10/2025 |
Code XF0511 | |||||||||
More info | 31/10/2025 | 5.54% | 60% | £175* | £999~ | £0 | Yes | Yes | No | |
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3.54% 3 year fixed rate until 31/10/2025 Limited Company |
Code XF0514 | |||||||||
More info | 31/10/2025 | 5.54% | 70% | £175* | £1,499~ | £0 | Yes | Yes | No | |
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3.19% 5 year fixed rate until 30/09/2027 |
Code XF0515 | |||||||||
More info | 30/09/2022 | 5.54% | 60% | £125* | £0 | £0 | Yes | Yes | No | |
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3.34% 5 year fixed rate until 30/09/2027 |
Code XF0516 | |||||||||
More info | 30/09/2027 | 5.54% | 70% | £125* | £0 | £0 | Yes | Yes | No | |
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3.09% 5 year fixed rate until 31/10/2027 |
Code XF0500 | |||||||||
More info | 31/10/2027 | 4.79% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
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3.14% 5 year fixed rate until 31/10/2027 Family Mortgage |
Code XF0503 | |||||||||
More info | 31/10/2027 | 4.79% | 95% | £175* | £599~ | £250^ | Yes | No | Yes | |
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3.29% 2 year fixed rate until 31/10/2024 JMSO |
Code XF0496 | |||||||||
More info | 31/10/2024 | 4.79% | 80% | £175* | £599~ | £500^ | Yes | No | Yes | |
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2.99% 5 year fixed rate until 31/10/2027 |
Code XF0499 | |||||||||
More info | 31/10/2027 | 4.79% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
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3.09% 5 year fixed rate until 31/10/2027 JMSO |
Code XF0501 | |||||||||
More info | 31/10/2027 | 4.79% | 60% | £175* | £599~ | £500^ | Yes | No | Yes | |
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3.19% 3 year fixed rate until 31/10/2025 |
Code XF0506 | |||||||||
More info | 31/10/2025 | 4.79% | 60% | £125* | £0 | £0 | No | Yes | No | |
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3.24% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage |
Code XF0510 | |||||||||
More info | 31/10/2025 | 4.79% | 95% | £125* | £0 | £0 | Yes | Yes | No | |
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3.14% 5 year fixed rate until 31/10/2027 RIO |
Code XFZ011 | |||||||||
More info | 31/10/2027 | 4.79% | 50% | £175* | £999~ | £500^ | No | Yes | Yes | |
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3.09% 3 year fixed rate until 31/10/2025 |
Code XF0497 | |||||||||
More info | 31/10/2025 | 4.79% | 60% | £125* | £0 | £0 | Yes | No | No | |
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3.19% 3 year fixed rate until 31/10/2025 |
Code XF0498 | |||||||||
More info | 31/10/2025 | 4.79% | 80% | £125* | £0 | £0 | Yes | No | No | |
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3.49% 5 year fixed rate until 30/09/2027 for expats |
Code XF0519 | |||||||||
More info | 30/09/2027 | 5.54% | 60% | £125* | £0 | £0 | No | Yes | No | |
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3.34% 3 year fixed rate until 31/10/2025 |
Code XF0507 | |||||||||
More info | 31/10/2025 | 4.79% | 80% | £125* | £0 | £0 | No | Yes | No | |
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3.64% 5 year fixed rate until 30/09/2027 for expats |
Code XF0520 | |||||||||
More info | 30/09/2027 | 5.54% | 70% | £125* | £0 | £0 | No | Yes | No | |
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3.49% 5 year fixed rate until 30/09/2027 Limited Company (XF0517) |
Code XF0517 | |||||||||
More info | 30/09/2027 | 5.54% | 60% | £125* | £0 | £0 | Yes | Yes | No | |
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3.29% 2 year discounted rate by 2.25% Offset Mortgage |
Code XO0042 | |||||||||
More info | 2 years | 5.54% | 70% | £175* | £999~ | £100^ | Yes | Yes | No | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance
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3.24% 3 year discounted rate by 2.30% for Expats |
Code XD0124 | |||||||||
More info | 3 years | 5.54% | 70% | £175* | £999~ | £0 | No | Yes | No | |
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· Purpose - Expat purchase, remortgage, product switch and further advance
· Discount - 2.30% applied to our Residential Investment Managed Mortgage Rate for 3 years · Minimum rate - 3.24% · LTV - Maximum 70% · *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. (£0 for further advance and product switch) · ~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 product 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 |
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3.19% 5 year fixed rate until 31/10/2027 JMSO |
Code XF0502 | |||||||||
More info | 31/10/2027 | 4.79% | 80% | £175* | £599~ | £500^ | Yes | No | Yes | |
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3.14% 10 year discounted rate by 1.65% Retirement Lifestyle Booster |
Code XDR008 | |||||||||
More info | 10 years | 4.79% | 25% | £175* | £999~ | £500^ | No | Yes | No | |
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3.09% 3 year discounted rate by 2.45% for Expats |
Code XD0123 | |||||||||
More info | 3 years | 5.54% | 60% | £175* | £999~ | £0 | No | Yes | No | |
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· Purpose - Expat purchase, remortgage, product switch and further advance |
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3.14% 3 year discounted rate by 1.65% for Expats |
Code XD0120 | |||||||||
More info | 3 years | 4.79% | 80% | £175* | £999~ | £500^ | No | Yes | Yes | |
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2.94% 2 year discounted rate by 1.95% Offset mortgage |
Code XO0040 | |||||||||
More info | 2 years | 4.89% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
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2.99% 3 year discounted rate by 1.80% for Expats |
Code XD0119 | |||||||||
More info | 3 years | 4.79% | 60% | £175* | £999~ | £500^ | No | Yes | Yes | |
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2.84% 3 year discounted rate by 1.95% JMSO |
Code XD0118 | |||||||||
More info | 3 years | 4.79% | 80% | £175* | £599~ | £500^ | No | Yes | Yes | |
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3.14% 2 year discounted rate by 2.40% Offset Mortgage |
Code XO0041 | |||||||||
More info | 2 years | 5.54% | 60% | £175* | £999~ | £100^ | Yes | Yes | No | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance |
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2.54% 3 year discounted rate by 2.25% |
Code XD0116 | |||||||||
More info | 3 years | 4.79% | 80% | £175* | £599~ | £500^ | No | Yes | Yes | |
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2.69% 3 year discounted rate by 2.10% JMSO |
Code XD0117 | |||||||||
More info | 3 years | 4.79% | 60% | £175* | £599~ | £500^ | No | Yes | Yes | |
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2.39% 3 year discounted rate by 2.40% |
Code XD0115 | |||||||||
More info | 3 years | 4.79% | 60% | £175* | £599~ | £500^ | No | Yes | Yes | |
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2.49% 3 year discounted rate by 3.05% |
Code XD0121 | |||||||||
More info | 3 years | 5.54% | 60% | £175* | £999~ | £0 | Yes | Yes | No | |
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2.64% 3 year discounted rate by 2.90% |
Code XD0122 | |||||||||
More info | 3 years | 5.54% | 70% | £175* | £999~ | £0 | Yes | Yes | No | |
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· Purpose - Purchase, remortgage, product switch and further advance
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2.84% 2 year discounted rate by 2.05% Offset mortgage |
Code XO0039 | |||||||||
More info | 2 years | 4.89% | 60% | £175* | £999~ | £500^ | Yes | No | Yes | |
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3.64% 5 year fixed rat until 30/09/2027 Limited Company (XF0518) |
Code XF0518 | |||||||||
More info | 30/09/2027 | 5.54% | 70% | £125* | £0 | £0 | Yes | Yes | No | |
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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.
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