Notices

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 changes to our mortgage products - Find out more.

Mortgage products - As of 5pm on Wednesday 5 March, new customers are no longer be able to apply for our Owner Occupier and Buy to Let Offset mortgage products. However, if you are an existing borrower, you are still able to apply for our Offset products for additional borrowing and product switches.
Online Saver (9) has been withdrawn from sale

Please note that our Online Saver (9) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
Our new 1 Year Fixed Rate Bond (53) paying 4.57% AER on balances of £10,000+ is now on sale. Exclusively online only. Find out more here

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

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
6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.44%	7.94%	7.9%APRC	Interest-Only	80%	£0~

Key things to bear in mind

Purpose - Expat applications for Product Switch
Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
Minimum Rate - 4.44%
Loan to Value - 80%
Application fee - £0 for Product Switches
Legal fees - No legal fees for Product Switches
Valuation Fees - £0
^~Product Fee - £0 for Product Switches
Early Repayment Charges - 2% in the first year, 1% in the second year
Maximum loan - No maximum for product switches
Minimum Loan - No minimum for product switches.
Cost for comparison - 7.9% APRC.

Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £200,201.00 payable over 8 years initially on a discounted variable rate for 2 years at 1.50% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 7.94% would require 23 monthly payments of £1,074.41 and 73 monthly payments of £1,323.57 plus one initial interest payment of £1,100.82.

The total amount payable would be £322,733.86 made up of the loan amount plus interest of £122,432.86 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 7.9% APRC representative.