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Please note that our 1 Year Fixed Rate Bond (57) has been withdrawn from sale.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.

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

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.