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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3.44% 3 year fixed rate

 Code XF0205
31/08/2022 5.79% 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
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% until 31/05/2020, 2% until 31/05/2021, 1% until 31/05/2022
  • Cost for comparison - 5.5% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Additional criteria - The mortgage must complete by 02/01/2020

2.99% 3 year fixed rate

 Code XF0198
30/11/2022 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% until 30/11/2020, 2% until 30/11/2021, 1% until 30/11/2022
  • Cost for comparison - 4.6% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 02/01/2020

3.19% 5 year fixed rate

 Code XF0200
31/10/2024 5.04% 80% £175* £1499** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/10/2020, 4% until 31/10/2021, 3% until 31/10/2022, 2% until 31/10/2023, 1% until 31/10/2024
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 02/01/2020

3.39% 5 year fixed rate

 Code XF0202
31/10/2024 5.04% 80% £175* £249** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/10/2020, 4% until 31/10/2021, 3% until 31/10/2022, 2% until 30/10/2023, 1% until 31/10/2024
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase and remortgage
  • *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 - £249 
  • Additional criteria - The mortgage must complete by 02/01/2020

2.99% 3 year fixed rate Family Mortgage

 Code XF0203
31/08/2022 5.04% 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
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 3% until 31/08/2020, 2% until 31/08/2021, 1% until 31/08/2022
  • Cost for comparison - 5.4% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 02/01/2020

3.09% 5 year fixed rate Family Mortgage

 Code XF0204
31/08/2024 5.04% 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
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 5% until 31/08/2020, 4% until 31/08/2021, 3% until 31/08/2022, 2% until 31/08/2023, 1% until 31/08/2024
  • Cost for comparison - 5.9% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 02/01/2020

2.69% 2 year fixed rate

 Code XF0215
30/11/2021 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% until 30/11/2020, 1% until 30/11/2021
  • Cost for comparison - 4.6% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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
  • Additional criteria - The mortgage must complete by 02/01/2020

3.29% 5 year discounted rate

 Code XD0039
5 years 5.79% 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
  • Discount - 2.50% applied to our Residential Investment Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% in the first year, 3% in the second year, 3% in the third year, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 5.2% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.09% 3 year discounted rate

 Code XD0038
3 years 5.79% 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
  • Discount - 2.70% applied to our Residential Investment Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.5% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.84% 5 year discounted rate Offset Mortgage

 Code XO0020
5 years 5.79% 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
  • Discount - 1.95% discount applied to our Residential Investment Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%
  • Early Repayment Charges - 3% in the first year, 3% in the second year, 3% in the third year, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 5.4% APRC
  • Minimum interest - 3.39%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage

3.34% 2 year discounted rate Offset Mortgage

 Code XO0019
2 years 5.79% 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
  • Discount - 2.45% discount applied to our Residential Investment Managed Mortgage Rate for the first 2 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 5.8% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000
  • Options available - Term Reduction (not available on interest only) and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage

3.29% 5 year discounted rate

 Code XD0036
5 years 5.04% 80% £175* £1499** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.84%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.49% 5 year discounted rate

 Code XD0037
5 years 5.04% 80% £175* £249** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.55% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.04%
  • Purpose - Purchase and remortgage
  • *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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.14% 3 year discounted rate

 Code XD0032
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.90% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

2.79% 5 year discounted rate

 Code XD0034
5 years 5.04% 80% £175* £1499** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.25% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 2.34%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.99% 5 year discounted rate

 Code XD0035
5 years 5.04% 80% £175* £249** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.05% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.7% APRC
  • Minimum interest - 2.54%
  • Purpose - Purchase and remortgage
  • *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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.64% 3 year discounted rate

 Code XD0031
3 years 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.40% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.19%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

3.74% 10 year discounted rate Retirement Lifestyle Booster

 Code XDR003
10 years 5.04% 25% £175* £999** £250 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.30% discount applied to our Managed Mortgage Rate for 10 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 25%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 3.29%
  • Purpose - Remortgage only
  • *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
  • Minimum property value - £240,000 if property owned outright or £180,000 if repaying existing mortgage

3.24% 3 year base rate tracker

 Code XT0008
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.79%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

2.74% 3 year base rate tracker

 Code XT0007
3 years 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.2% APRC
  • Minimum interest - 2.29%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *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

3.14% 5 year discounted rate Offset Mortgage

 Code XO0018
5 years 5.14% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.00% applied to our Flexi Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.5% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties over £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
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage
  • 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

2.64% 2 year discounted rate Offset Mortgage

 Code XO0017
2 years 5.14% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.50% applied to our Flexi Managed Mortgage Rate for the first 2 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.8% APRC
  • Minimum interest - 2.19%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fee - 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
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage
  • 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

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Find Your Local

Business Development Manager

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:

Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan was previously a mortgage and protection adviser, and focuses on Essex and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Charlotte Grimshaw

Charlotte has a background working with intermediaries within the Building Society sector and focuses around the West M25 area. Contact Charlotte for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

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