Product selector

• Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• Discount - 1.60% discount applied to our Managed Mortgage Rate for the first 2 years.
• Minimum interest - 4.34%
• 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 - 2% for the first year, 1% for the second 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 - 8.6% APRC

• Purpose - Purchase and remortgage
• LTV - Maximum 60%
• Fixed Rate end date - 31/07/2026
• *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 31/07/2025, 1% until 31/07/2026
• 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 - 8.1% APRC.

• Purpose - Purchase, remortgage, further advance and product switch
• LTV - Maximum 70%
• Fixed Rate end date - 31/07/2026
• *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 the loan amount. (£0 for further advance and product switch)
  
• Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
• 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 - 8.9% APRC

• Purpose - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 3.79%
• 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 - 8.2% 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 purchase, remortgage, product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 31/08/2029
• *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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
• 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 - 8.0% APRC
• Additional information: 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 - Joint Borrower Sole Proprietor 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 - 31/07/2026
• *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 31/07/2025, 1% until 31/07/2026
• 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 - 8.1% APRC

• Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
• Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
• Minimum rate - 4.09% 
• 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
• ^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. £2,000 for further advance. No minimum for product switches.
• Cost for comparison - 8.5% APRC

• Purpose - Expat purchase, remortgage, product switch and further advance
• Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 2 years
• Minimum interest - 4.44%
• 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 - 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. £2,000 for further advance. No minimum for product switches
• Cost for comparison - 8.6% 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 - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.09% 
· 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 - 9.2% 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
• Fixed Rate end date - 31/07/2026
• 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 31/07/2025, 1% until 31/07/2026
• 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 - 7.4% APRC

• Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
• LTV - Maximum 60%
• Fixed rate end date - 31/08/2029
• *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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
• 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 - 7.9% APRC
• Additional information: 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 - Offset applications for purchase, remortgage, product switch and further advance
• Options available - Term reduction or payment reduction
• Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years
• Minimum rate - 3.89%
• 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 - 8.2% 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 - 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 - 30/09/2029
• *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
• Legal Fee - £100 minimum for further advances
• 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 - £250 for purchase applications
  
• Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
• Maximum loan - £500,000
• Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
• Cost for comparison - 7.3%

• Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 31/07/2026
• *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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
• 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 - 9.0% APRC
• Additional information: 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 - Expat purchase, remortgage, product switch and further advance
• Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 2 years
• Minimum interest - 4.19%
• 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 - 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. £2,000 for further advance. No minimum for product switches.
• Cost for comparison - 8.5% APRC
• Additional criteria - We require a UK address for the serving of notice

• Purpose - Joint Borrower Sole Proprietor 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 - 31/07/2026
• *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 31/07/2025, 1% until 31/07/2026
• 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 - 8.1% APRC

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount -2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.24% 
· 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 - 9.3% 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
• LTV - Maximum 80%.
• Fixed Rate end date - 31/07/2026
• *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 31/07/2025, 1% until 31/07/2026
• 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 - 7.5% APRC

• Purpose - Expat purchase, remortgage, product switch and further advance
• LTV - Maximum 70%
• Fixed Rate end date - 31/07/2026
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
• Legal fees - £100 minimum for further advances
• 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 and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
• ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
• 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 - 9.1% APRC

• Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
• LTV - Maximum 60%
• Fixed rate end date - 31/07/2026
• *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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
• 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 - 9.0% APRC
• Additional information: 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 - Expat purchase, remortgage, product switch and further advance 
• LTV - Maximum 60%
• Fixed Rate end date - 31/07/2026
• *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
• Legal fees - £100 minimum for further advances
• 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 and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
• ^Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
• Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
• 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 - 9.0% APRC

• Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
• LTV - Maximum 50%.
• Fixed Rate end date - 30/09/2029
• *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 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
• 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 - 7.5% APRC
• Additional criteria - Borrowers are required to nominate a Registered Contact when they apply