Notices

Our new 1 Year Fixed Rate Bond (68) paying 4.65% Gross AER on balances of £10,000+ is now on sale. Find out more and apply online.
Important changes to our mortgage products. Find out more

Mortgage products - On Thursday 26 March 2026, we launched a new range of our Owner Occupier and Buy to Let fixed rate products, where most of our product rates have been reduced.
Managed Mortgage Rates - Please note that our Managed Mortgage Rates are not changing at this time.
Annual General Meeting 2026. Find out more

We're pleased to let you know that voting for the AGM is now open. If you've opted for a postal pack you should receive this by 1 April.
Savings customers: Your 2025 / 2026 Annual Interest Savings Summary are currently being processed and are due to be sent from 28 April 2026.

Compare all our Owner Occupier mortgages

See all our mortgage products at once or select two to compare side by side. Then see their full details.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)							Compare
5.34%	7.54%	7.4%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Discount - 2.20% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.59% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284)							Compare
5.49%	7.54%	6.3%APRC	Repayment	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.3% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.49% JBSP (2.05% discounted rate from follow on rate) for 2 years (XD0225)							Compare
5.49%	7.54%	7.5%APRC	Interest-Only	80%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 2.05% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.74% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280)							Compare
5.54%	7.54%	7.2%APRC	Repayment	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2028 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.59% Expat (1.95% discounted rate from follow on rate) for 2 years (XD0226)							Compare
5.59%	7.54%	7.4%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Discount - 1.95% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.84% Loan to Value - Maximum 80% Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 7.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.59% 5 Year Fixed Rate to 31/08/2031 (XF1258)							Compare
5.59%	7.54%	6.4%APRC	Repayment	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285)							Compare
5.64%	7.54%	7.0%APRC	Repayment	80%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2031 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281)							Compare
5.64%	7.54%	7.2%APRC	Repayment	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2028 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282)							Compare
5.69%	7.54%	7.5%APRC	Repayment	80%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2028 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.74% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1259)							Compare
5.74%	7.54%	7.0%APRC	Repayment	90%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/08/2031 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.79% Family Mortgage 5 Year Fixed Rate to 31/08/2031 (XF1286)							Compare
5.79%	7.54%	7.1%APRC	Repayment	100%	£0~	£250 cashback for purchase applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage purchase applications Loan to Value - Maximum 100% Security options available - Security through Savings (in our Family Security Account), or Security Through Property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased. Fixed Rate end date - 31/08/2031 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - None ^Cashback - £250 for purchase applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - £750,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.1% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283)							Compare
5.79%	7.54%	7.5%APRC	Repayment	90%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/08/2028 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287)							Compare
5.89%	7.54%	7.5%APRC	Interest-Only	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.89% 2 Year Fixed Rate to 31/08/2028 (XF1311)							Compare
5.89%	7.54%	7.4%APRC	Interest-Only	60%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289)							Compare
5.89%	7.54%	7.0%APRC	Interest-Only	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035)							Compare
5.99%	7.54%	7.0%APRC	Interest-Only	50%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 31/08/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288)							Compare
6.04%	7.54%	7.5%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290)							Compare
6.04%	7.54%	7.0%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/08/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

Comparing two mortgage products


Product	DYNAMIC	DYNAMIC
Initial interest rate	DYNAMIC	DYNAMIC
Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
Repayment or Interest-Only?	DYNAMIC	DYNAMIC
Max % loan to value (LTV)	DYNAMIC	DYNAMIC
Product fees	DYNAMIC	DYNAMIC
Additional benefits	DYNAMIC	DYNAMIC

Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Compare all our Owner Occupier mortgages

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284)

Some key features of this mortgage

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5.49% JBSP (2.05% discounted rate from follow on rate) for 2 years (XD0225)

Some key features of this mortgage

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5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280)

Some key features of this mortgage

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5.59% Expat (1.95% discounted rate from follow on rate) for 2 years (XD0226)

Some key features of this mortgage

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5.59% 5 Year Fixed Rate to 31/08/2031 (XF1258)

Some key features of this mortgage

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5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285)

Some key features of this mortgage

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5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281)

Some key features of this mortgage

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5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282)

Some key features of this mortgage

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5.74% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1259)

Some key features of this mortgage

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5.79% Family Mortgage 5 Year Fixed Rate to 31/08/2031 (XF1286)

Some key features of this mortgage

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5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283)

Some key features of this mortgage

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5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287)

Some key features of this mortgage

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5.89% 2 Year Fixed Rate to 31/08/2028 (XF1311)

Some key features of this mortgage

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5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289)

Some key features of this mortgage

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5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035)

Some key features of this mortgage

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6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288)

Some key features of this mortgage

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6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290)

Some key features of this mortgage

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Comparing two mortgage products