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

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

The mortgage will be secured on your home. Your home 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
6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.19%	7.94%	7.9%APRC	Interest-Only	60%	£0~

Key things to bear in mind

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 - 7.9% APRC.

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

Representative example

A mortgage of £315,000.00 payable over 15 years initially on a discounted variable rate for 2 years at 1.75% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 7.94% would require 23 monthly payments of £1,624.88 and 157 monthly payments of £2,083.02 plus one initial interest payment of £1,611.05.

The total amount payable would be £681,117.43 made up of the loan amount plus interest of £366,017.43 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 7.9% APRC representative.