Product selector

Not sure which product will be best matched to you and your client? Find a quick match here based on some simple choices, or search by product code using the search box at the top of the page. If you need, you can also compare all our Owner Occupier products or Buy to Let products at a glance.

Mortgages that work for families
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2.99% 3 year discounted rate at 1.40%

Code XD0068
3 years 4.39% 75% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· Discount - 1.40% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.89% 
· LTV - Above 60%.
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Cashback - £0
· 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 - £2,000 for further advance. No minimum for product switches
· Cost for comparison - 4.0% APRC
 

3.54% 5 year fixed rate

Code XF0361
31/05/2026 5.14% 65% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Above 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· 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 01/07/2021

3.64% 5 year fixed rate Family Mortgage

Code XF0348
30/06/2026 4.39% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • 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
  • *Application Fee - £175 + Valuation Fee for purchase. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £599 
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

2.74% 3 year discounted rate at 1.65%

Code XD0067
3 years 4.39% 60% £175* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and additional borrowing
  • Discount - 1.65% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.64%
  • LTV - Maximum LTV 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • ^Cashback -£0
  • Early Repayment Charges - 3% until 30/06/2022, % until 30/06/2023, 1% until 30/06/2024
  • 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 - 3.9% APRC

3.24% 5 year fixed rate

Code XF0360
31/05/2026 5.14% 60% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· 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 01/07/2021

3.09% 5 year fixed rate

Code XF0344
30/06/2026 4.39% 60% £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, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 3.9% APRC
  •  Additional criteria - The mortgage must complete by 01/07/2021

2.59% 2 year fixed rate

Code XF0336
30/06/2023 4.39% 60% £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
  • LTV - Maximum LTV 60%.
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • *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 30/06/2022, 1% until 30/06/2023
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.59% 3 year fixed rate

Code XF0342
30/06/2024 4.39% 60% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose -  Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022 2% until 30/06/2023, 1% until 30/06/2024
  • 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 - 3.6% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

2.84% 2 year fixed rate

Code XF0337
30/06/2023 4.39% 75% £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
  • LTV - Maximum 75%
  • *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 30/06/2022, 1% until 30/06/2023
  • 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 - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.34% 5 year fixed rate

Code XF0345
30/06/2026 4.39% 75% £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, remortgage, product switch and further advance
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

2.84% 3 year fixed rate

Code XF0343
30/06/2024 4.39% 75% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Above 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • 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 - 3.8% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.49% 5 year fixed rate Retirement Interest-Only

Code XFZ007
30/06/2026 4.39% 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 - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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 01/07/2021

3.09% 3 year fixed rate

Code XF0351
30/06/2024 4.39% 60% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • 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 - 4.1% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

2.84% 2 year discounted rate at 1.65% Offset mortgage

Code XO0035
2 years 4.49% 60% £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 - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.65% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.74%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^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 - 4.5% 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

2.39% 2 year fixed rate

Code XF0338
30/06/2023 4.39% 60% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • 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 - 3.9% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.04% 3 year discounted rate at 1.35% JMSO

Code XD0086
3 years 4.39% 60% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • 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 - 1.35% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.94% 
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000.  See more details, fees & downloads for product switch and further advance fees.
  • ^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 - 4.1% APRC

2.94% 3 year discounted rate at 1.45%

Code XD0078
3 years 4.39% 60% £175 £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.45% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.84%
  • LTV - Maximum LTV 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 
  • Cost for comparison - 4.1% APRC

3.19% 3 year discounted rate at 1.20%

Code XD0079
3 years 4.39% 75% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.20% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 3.09%
  • LTV - Maximum LTV 75%.
  • *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% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • 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 
  • Cost for comparison - 4.2% APRC

3.29% 3 year discounted rate at 1.10% JMSO

Code XD0087
3 years 4.39% 75% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • 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 - 1.10% discount applied to our Managed Mortgage Rate for the first 3 years.
  • Minimum interest - 3.19%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • 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 - 4.2% APRC

3.56% 3 year discounted rate at 0.83% for expats

Code XD0080
3 years 4.39% 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 purchase, remortgage, product switch and further advance
  • Discount - 0.83% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.46%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^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 - 4.3% APRC
  • Additional criteria - We require a UK address for the serving of notice

3.81% 3 year discounted rate at 0.58% for Expats

Code XD0081
3 years 4.39% 75% £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 purchase, remortgage, product switch and further advance
  • Discount - 0.58% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.71%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^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.

3.44% 10 year discounted rate at 0.95% Retirement Lifestyle Booster

Code XDR006
10 years 4.39% 25% £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 - Remortgage only
  • Discount - 0.95% discount applied to our Managed Mortgage Rate for 10 years
  • Minimum interest - 3.34%
  • 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 - 3.7% APRC
  • Additional criteria - Minimum property value is £240,000 if property owned outright or £180,000 if repaying existing mortgage

3.49% 3 year fixed rate Limited Company

Code XF0359
30/06/2024 5.14% 65% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
· ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
· Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
· 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
· Cost for comparison - 5.0% APRC
· Additional criteria - The mortgage must complete by 01/07/2021

3.04% 3 year fixed rate

Code XF0356
30/06/2024 5.14% 60% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
· Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 and 1% until 30/06/2024
· 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.
· Cost for comparison - 4.8% APRC
· Additional criteria - The mortgage must complete by 01/07/2021

3.34% 3 year fixed rate

Code XF0357
30/06/2024 5.14% 65% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
· Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
· 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
· Cost for comparison - 4.9% APRC
· Additional criteria - The mortgage must complete by 01/07/2021

3.19% 3 year fixed rate Limited Company

Code XF0358
30/06/2024 5.14% 60% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
· ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
· Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
· 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.
· Cost for comparison - 4.9% APRC
· Additional criteria - The mortgage must complete by 01/07/2021

3.39% 5 year fixed rate Limited Company

Code XF0362
31/05/2026 5.14% 60% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Buy to Let Limited Company product switch and further advance
· LTV - Maximum 60%.  
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· 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 01/07/2021

3.69% 5 year fixed rate Limited Company

Code XF0363
31/05/2026 5.14% 65% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Buy to Let Limited Company product switch and further advance
· LTV - Above 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· 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 01/07/2021

3.69% 5 year fixed rate for expats

Code XF0364
31/05/2026 5.14% 60% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Expat product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £125 for further advance. £0 for product switch
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
· 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

3.99% 5 year fixed rate for expats

Code XF0365
31/05/2026 5.14% 65% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and and further advance
  • LTV - Above 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • ~Product Fee - £0
  • Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026
  • 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 - 4.7% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

2.89% 3 year discounted rate at 2.25% Limited Company

Code XD0082
3 years 5.14% 60% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • Discount - 2.25% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 2.79%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
  • ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
  • 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 - 4.9% APRC

3.19% 3 year discounted rate at 1.95% Limited Company

Code XD0083
3 years 5.14% 65% £175* £1,499~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· Discount - 1.95% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 3.09% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
· ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
· 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 - 5.0% APRC

3.99% 3 year discounted rate at 1.15% for Expats

Code XD0084
3 years 5.14% 60% £175* £999~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Expat purchase and remortgage
· Discount
- 1.15% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 3.89% 
· LTV
- Maximum 60%
· Application Fee
- £175 + Valuation Fee for purchase and remortgage. 
· Valuation Fees
- Based on the greater of the purchase price or value of the property. 
· ~Product Fee
- £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. 
· 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.
· Cost for comparison
- 5.1% APRC

4.29% 3 year discounted rate at 0.85% for Expats

Code XD0085
3 years 5.14% 65% £175* £999~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Expat purchase and remortgage
· Discount - 0.85% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 4.19% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.
· Valuation Fees - Based on the greater of the purchase price or value of the property.
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
· 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
· Cost for comparison - 5.2% APRC

3.09% 2 year discounted rate at 1.40% Offset mortgage

Code XO0036
2 years 4.49% 75% £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 - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.40% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.99%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^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 - 4.5% 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

2.69% 2 year fixed rate

Code XF0339
30/06/2023 4.39% 75% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Above 60%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • 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 01/07/2021

2.94% 2 year fixed rate JMSO

Code XF0341
30/06/2023 4.39% 75% £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 - 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 75%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022,1% until 30/06/2023
  • 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 01/07/2021

3.19% 5 year fixed rate JMSO

Code XF0346
30/06/2026 4.39% 60% £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 - 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%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.69% 2 year fixed rate JMSO

Code XF0340
30/06/2023 4.39% 60% £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 - 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%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • 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 - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.39% 3 year fixed rate Family First Guarantor Mortgage

Code XF0355
30/06/2024 4.39% 95% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • 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 - 4.2% APRC

3.34% 3 year fixed rate

Code XF0352
30/06/2024 4.39% 75% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 75%.
  • *Application Fee - £125 for further advance. £0 for product switches.
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 1% until 30/06/2024
  • 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 - 4.2% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/07/2021

3.44% 5 year fixed rate JMSO

Code XF0347
30/06/2026 4.39% 75% £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 - 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 75%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.44% 2 year discounted rate at 1.70% Offset Mortgage

Code XO0034
2 years 5.14% 65% £175* £999~ ££100^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 1.70% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.34% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
· ^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 - 5.1% 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

2.74% 3 year discounted rate at 2.40%

Code XD0073
3 years 5.14% 60% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.40% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 2.64% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
· 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 - 4.8% APRC

3.04% 3 year discounted rate at 2.10%

Code XD0074
3 years 5.14% 65% £175* £999~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.10% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 2.94% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees.
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
· 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 - 4.9% APRC

3.14% 2 year discounted rate at 2.00% Offset Mortgage

Code XO0033
2 years 5.14% 60% £175* £999~ £100^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.0% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.04% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees
· ^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 - 5.1% 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

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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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Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.
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