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)

Expat Owner Occupier mortgages for product switch

See our current range of expat Owner Occupier 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All of these mortgage products have limited funds available and may be withdrawn at any time.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 Expat Owner Occupier 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
6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)						Compare
6.44%	8.19%	8.0%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 Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - 60% 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 - 8.0% 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
6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)						Compare
6.69%	8.19%	8.1%APRC	Interest-Only	80%	£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 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 - 8.1% 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

Comparing two mortgage products


Product	DYNAMIC	DYNAMIC
Initial interest rate	DYNAMIC	DYNAMIC
Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
Repayment or Interest-Only?	DYNAMIC	DYNAMIC
Max % loan to value (LTV)	DYNAMIC	DYNAMIC
Product fees	DYNAMIC	DYNAMIC
Additional benefits	DYNAMIC	DYNAMIC

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

Expat Owner Occupier mortgages for product switch

6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

Some key features of this mortgage

Take the next step:

6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products