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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5.39% Expat 5 Year Fixed Rate to 28/02/2031 (XF1190)

 Code XF1190
28/02/2031 8.44% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.7% APRC.

5.19% Expat 2 Year Fixed Rate to 31/03/2028 (XF1187)

 Code XF1187
31/03/2028 8.44% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.3% APRC.

5.24% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1185)

 Code XF1185
28/02/2031 8.44% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.6% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.24% 5 Year Fixed Rate to 28/02/2031 (XF1181)

 Code XF1181
28/02/2031 8.44% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.5% APRC.

5.14% Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1183)

 Code XF1183
31/03/2028 8.44% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.2% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.14% 2 Year Fixed Rate to 31/03/2028 (XF1179)

 Code XF1179
31/03/2028 8.44% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.2% APRC.

5.34% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1174)

 Code XF1174
31/03/2028 7.69% 60% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/03/2028
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.24% 2 Year Fixed Rate to 31/03/2028 (XF1172)

 Code XF1172
31/03/2028 7.69% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/03/2028
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 7.4% APRC.

5.34% 5 Year Fixed Rate to 31/03/2031 (XF1178)

 Code XF1178
31/03/2031 7.69% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2031
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • 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
  • Cost for comparison - 6.8% APRC.

5.39% 2 Year Fixed Rate to 31/03/2028 (XF1173)

 Code XF1173
31/03/2028 7.69% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2028
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 7.5% APRC.

5.19% 5 Year Fixed Rate to 31/03/2031 (XF1177)

 Code XF1177
31/03/2031 7.69% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/03/2031
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • 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
  • Cost for comparison - 6.7% APRC.

4.84% 5 Year Fixed Rate to 31/03/2031 (XF1166)

 Code XF1166
31/03/2031 7.69% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2031
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • 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
  • Cost for comparison - 6.0% APRC.

4.89% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1167)

 Code XF1167
31/03/2031 7.69% 80% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2031
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 6.7% APRC.

5.04% Family Mortgage 5 Year Fixed Rate to 31/03/2031 (XF1169)

 Code XF1169
31/03/2031 7.69% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/03/2031
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 6.9% APRC.

4.99% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1168)

 Code XF1168
31/03/2031 7.69% 90% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/03/2031
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

4.74% 5 Year Fixed Rate to 31/03/2031 (XF1165)

 Code XF1165
31/03/2031 7.69% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/03/2031
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • 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
  • Cost for comparison - 5.9% APRC.

4.94% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1162)

 Code XF1162
31/03/2028 7.69% 90% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.4% APRC.

4.84% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1161)

 Code XF1161
31/03/2028 7.69% 80% £None £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 7.4% APRC.

4.69% 2 Year Fixed Rate to 31/03/2028 (XF1159)

 Code XF1159
31/03/2028 7.69% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/03/2028
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 7.0% APRC.

4.79% 2 Year Fixed Rate to 31/03/2028 (XF1160)

 Code XF1160
31/03/2028 7.69% 80% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/03/2028
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 7.0% APRC.

5.54% RIO 5 Year Fixed Rate to 31/03/2031 (XFZ031)

 Code XFZ031
31/03/2031 7.69% 50% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/03/2031
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031
  • 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
  • Cost for comparison - 6.9% APRC.

5.34% HMO 2 Year Fixed Rate to 31/03/2028 (XF1139)

 Code XF1139
31/03/2028 8.44% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.2% APRC.

5.44% HMO 5 Year Fixed Rate to 28/02/2031 (XF1140)

 Code XF1140
28/02/2031 8.44% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.6% APRC.

4.94% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1146)

 Code XF1146
28/02/2031 8.44% 75% £175* 3.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 3% of the loan amount, subject to a minimum of £1,500
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.6% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.44% HMO Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1149)

 Code XF1149
28/02/2031 8.44% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.6% APRC.
  • Additional criteria - 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, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

5.34% HMO Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1148)

 Code XF1148
31/03/2028 8.44% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.3% APRC.
  • Additional criteria - 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, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

5.39% HMO Expat 2 Year Fixed Rate to 31/03/2028 (XF1155)

 Code XF1155
31/03/2028 8.44% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.3% APRC.

5.34% Expat Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1157)

 Code XF1157
31/03/2028 8.44% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/03/2028
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 31/03/2027, 1% until 31/03/2028
  • 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
  • Cost for comparison - 8.3% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.59% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1156)

 Code XF1156
28/02/2031 8.44% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.7% APRC.

5.59% Expat Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1158)

 Code XF1158
28/02/2031 8.44% 75% £175* 1.00%~ £500^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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
  • Cost for comparison - 7.7% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.69% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

 Code XD0219
3 years 7.69% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - Maximum 60%
  • *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
  • ^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
  • Cost for comparison - 7.4% APRC.

5.94% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

 Code XD0220
3 years 7.69% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - Maximum 80%
  • *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
  • ^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
  • Cost for comparison - 7.5% APRC.

6.09% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

 Code XD0216
2 years 7.69% 80% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - Maximum 80%
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

5.84% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

 Code XD0215
2 years 7.69% 60% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - Maximum 60%
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

6.19% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

 Code XD0218
2 years 7.69% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - Maximum 80%
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £100,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

5.94% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

 Code XD0217
2 years 7.69% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - Maximum 60%
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £100,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

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Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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