Notices

Coming soon... our new and improved Online Service

We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.
Our new Online Service will have a modern design, improved navigation and many added benefits.
Find out more about the changes
Open a Windfall Bond account with us!

From 1 March, our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).
With exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
Click here to find out more and apply.
Notice updated: 3 March 2025
IMPORTANT: The last day of the 2024 / 2025 tax year is Saturday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 28 March until the morning of Monday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
Important changes to our mortgage products - Find out more.

Mortgage products - On Monday 24 March, we made changes to our mortgage product range. These include an increase to our Joint Borrower Sole Proprietor (JBSP) maximum loan size for Owner Occupier Repayment mortgages to £1,000,000, new Owner Occupier Interest-Only mortgages to 80% LTV, and the introduction of our House in Multiple Occupation (HMO) mortgages to general sale.
Our new 1 Year Fixed Rate Bond (54) paying 4.60% AER on balances of £10,000+ is now on sale. Exclusively online only. Find out more here

5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)

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

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits
5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)
5.34%	8.69%	6.7%APRC	Interest-Only Repayment	60%	£0~

Key things to bear in mind

Purpose - Further Advance and Product Switch applications
Loan to Value - 60%
Fixed Rate end date - 30/09/2030
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 - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030
Maximum loan - No maximum
Minimum Loan - £2,000 for Further Advance. No minimum for product switches
Cost for comparison - 6.7% APRC.

Buy to Let calculator Email us Ask us to call back Summary & fees

More downloads & what you'll need to apply

Identification

Only applicable for Further Advance applications - We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.

Bank statements

Only applicable for Further Advance applications - Buy to Let applicants are normally required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.