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)

Individual Buy to Let mortgages for product switch

See our current range of individual Buy to Let mortgage products available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

A summary of our current range of Buy to Let mortgage products available for product switch can be found here.

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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	Next steps
5.34% 5 Year Fixed Rate to 30/04/2030 (XF0923)						Compare
5.34%	8.94%	7.4%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 - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.39% Expat 5 Year Fixed Rate to 30/04/2030 (XF0931)						Compare
5.39%	8.94%	7.7%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% 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 30/04/2030 (XF0924)						Compare
5.49%	8.94%	7.5%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 - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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% Expat 5 Year Fixed Rate to 30/04/2030 (XF0932)						Compare
5.54%	8.94%	7.8%APRC	Interest-Only	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.8% 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% 2 Year Fixed Rate to 31/03/2027 (XF0921)						Compare
5.59%	8.94%	8.5%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 - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2027 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% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.5% 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
5.64% Expat 2 Year Fixed Rate to 31/03/2027 (XF0929)						Compare
5.64%	8.94%	8.6%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/03/2027 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% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.6% 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% 2 Year Fixed Rate to 31/03/2027 (XF0922)						Compare
5.74%	8.94%	8.5%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 - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 31/03/2027 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% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.5% 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
5.79% Expat 2 Year Fixed Rate to 31/03/2027 (XF0930)						Compare
5.79%	8.94%	8.6%APRC	Interest-Only	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 31/03/2027 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% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.6% 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
6.34% 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
6.49% 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

Comparing two mortgage products


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Current follow on rate	DYNAMIC	DYNAMIC
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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.

Individual Buy to Let mortgages for product switch

5.34% 5 Year Fixed Rate to 30/04/2030 (XF0923)

Some key features of this mortgage

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5.39% Expat 5 Year Fixed Rate to 30/04/2030 (XF0931)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 30/04/2030 (XF0924)

Some key features of this mortgage

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5.54% Expat 5 Year Fixed Rate to 30/04/2030 (XF0932)

Some key features of this mortgage

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5.59% 2 Year Fixed Rate to 31/03/2027 (XF0921)

Some key features of this mortgage

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5.64% Expat 2 Year Fixed Rate to 31/03/2027 (XF0929)

Some key features of this mortgage

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5.74% 2 Year Fixed Rate to 31/03/2027 (XF0922)

Some key features of this mortgage

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5.79% Expat 2 Year Fixed Rate to 31/03/2027 (XF0930)

Some key features of this mortgage

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

Some key features of this mortgage

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

Some key features of this mortgage

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Comparing two mortgage products