Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them.
View our Christmas opening hours here. For information on bank transfer processing times over the Christmas period please click here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.75% on 7 November 2024. Find out more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
(Notice updated 08/11)

Buy to Let Offset mortgages

See all of our Buy to Let Offset mortgage products available for purchase and remortgage.

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

Find all details of our Buy to Let Offset mortgages available below. Buy to Let Offset mortgages are only available for individuals.

With a Buy to Let Offset mortgage you can use your savings to reduce the interest charged on your mortgage. You won't earn any interest on the savings when they are linked to the mortgage. Find out more about how our Buy to Let Offset mortgage works and the payment and term reduction options available.

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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
6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)							Compare
6.34%	8.94%	8.8%APRC	Interest-Only Repayment	60%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 60% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.8% 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. 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
6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)							Compare
6.34%	8.94%	9.0%APRC	Interest-Only Repayment	60%	£999~	£100 cashback to open and fund linked Offset Saver account^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - Maximum 60% Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount ^Cashback - £100 to open and fund linked Offset Saver account 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 - 9.0% 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. 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
6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)							Compare
6.49%	8.94%	8.8%APRC	Interest-Only Repayment	70%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.24% Loan to Value - 70% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.8% 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. 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
6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)							Compare
6.49%	8.94%	9.0%APRC	Interest-Only Repayment	70%	£999~	£100 cashback to open and fund linked Offset Saver account^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.24% Loan to Value - Maximum 70% Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount ^Cashback - £100 to open and fund linked Offset Saver account 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 - 9.0% 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. 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

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

Buy to Let Offset mortgages

6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)

Some key features of this mortgage

Take the next step:

6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)

Some key features of this mortgage

Take the next step:

6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)

Some key features of this mortgage

Take the next step:

6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products