Notices

Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.
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!

Our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).
Plus exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
Click here to find out more and apply.
Important changes to our mortgage products - Find out more.

Mortgage products - On Wednesday 23 March, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.
Please note that our 1 Year Fixed Rate Bond (57) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

RIO mortgages for existing borrowers

See our current range of Retirement Interest-Only mortgage products available for product switch.

All of these mortgage products have limited funds available and may be withdrawn at any time.

A summary of our current range of RIO 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
5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)						Compare
5.54%	7.94%	6.9%APRC	Interest-Only	50%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 31/08/2030 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% 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

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

5.54% RIO 5 Year Fixed Rate to 31/08/2030 (XFZ028)