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)

Compare all Owner Occupier Offset mortgages

See all our mortgage products at once or select two to compare side by side. Then see their full details.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our range of Offset mortgages allow you to reduce the amount of interest you pay by offsetting your savings against your mortgage. However, no interest is paid on your savings all the time they are connected to your mortgage.

You can find out more about our mortgage products and compare in the table below. If you need further information you can call our friendly New Business Team on 03330 140140 who will be happy to help.

Sort:

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)							Compare
6.04%	8.29%	8.0%APRC	Repayment	60%	£999~	£500 cashback for Remortgages and £100 cashback to open and fund linked Offset Saver account^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years Minimum Rate - 3.79% Loan to Value - Maximum 60% Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgages and £100 to open and fund linked Offset Saver account Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for Remortgages and purchases. 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
6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)							Compare
6.14%	8.29%	8.0%APRC	Repayment	80%	£999~	£500 cashback for Remortgages and £100 cashback to open and fund linked Offset Saver account^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years Minimum Rate - 3.89% Loan to Value - Maximum 80% Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgages and £100 to open and fund linked Offset Saver account Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.0% APRC Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for Remortgages and purchases. 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.

Compare all Owner Occupier Offset mortgages

6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)

Some key features of this mortgage

Take the next step:

6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products