Notices

Our 1 Year Fixed Rate Bond (52) and Online Saver (8) are now withdrawn from sale

Please note that our 1 Year Fixed Rate Bond (52) and Online Saver (8) have both been withdrawn from sale. Any customers that have recently applied for these accounts will have 15 calendar days to initially fund their account.
Important changes to our mortgage products - Find out more.

Mortgage products - On Thursday 30 January 2025, we made changes to our mortgage product range. This included adjustments across our Fixed Rate products for Owner Occupier Interest-Only, as well as Buy to Let.
The maximum LTV has now increased from 70% to 75% for all UK Landlord (including Offset), Limited Company, Expat Buy to Let products, with Multi-Unit Freehold Blocks (MUFBs) continuing to be capped at 70%.
Our Market Tracker Saver (1) paying 4.50% AER and Market Tracker Cash ISA (2) paying 4.55% AER are now back on sale. Find out more here

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

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.