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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.49% 2 Year Fixed Rate to 31/03/2027 (XF0913)								Code XF0913 (Direct)
More info	31/03/2027	8.19%	60%	£175*	£999~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 60% Fixed Rate end date - 31/03/2027 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 Remortgage applications Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 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 - 7.8% APRC.
5.79% Expat 2 Year Fixed Rate to 31/03/2027 (XF0930)								Code XF0930 (EB)
More info	31/03/2027	8.94%	70%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 31/03/2027 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 - 2% until 31/03/2026, 1% until 31/03/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.6% APRC.
5.34% 5 Year Fixed Rate to 30/04/2030 (XF0923)								Code XF0923
More info	30/04/2030	8.94%	60%	£175*	£999~	£0^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/04/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 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 - 7.9% APRC.
5.49% 2 Year Fixed Rate to 31/03/2027 (XF0913)								Code XF0913 (EB)
More info	31/03/2027	8.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2027 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 - 2% until 31/03/2026, 1% until 31/03/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% APRC.
5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)								Code XF0912
More info	31/05/2030	8.19%	95%	£175*	£599~	£250^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage purchase applications Loan to Value - Maximum 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/05/2030 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 - £599 for loans up to £500,000 ^Cashback - £250 for purchase applications Early Repayment Charges - 5% until 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.2% APRC.
5.79% JBSP 2 Year Fixed Rate to 31/03/2027 (XF0916)								Code XF0916 (EB)
More info	31/03/2027	8.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 60% Fixed Rate end date - 31/03/2027 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 - 2% until 31/03/2026, 1% until 31/03/2027 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.34% 2 Year Fixed Rate to 31/03/2027 (XF0903)								Code XF0903 (EB)
More info	31/03/2027	8.19%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2027 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 - 2% until 31/03/2026, 1% until 31/03/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
5.59% Ltd Co 2 Year Fixed Rate to 31/03/2027 (XF0925)								Code XF0925
More info	31/03/2027	8.94%	60%	£175*	1.00%~	£0^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/03/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 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 - 8.7% APRC.
5.74% 2 Year Fixed Rate to 31/03/2027 (XF0922)								Code XF0922
More info	31/03/2027	8.94%	70%	£175*	£999~	£0^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/03/2027 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 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 - 8.8% APRC.
5.54% RIO 5 Year Fixed Rate to 31/05/2030 (XFZ026)								Code XFZ026 (EB)
More info	31/05/2030	8.19%	50%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.1% APRC.
4.99% 5 Year Fixed Rate to 31/05/2030 (XF0909)								Code XF0909 (EB)
More info	31/05/2030	8.19%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.8% APRC.
5.39% Expat 5 Year Fixed Rate to 30/04/2030 (XF0931)								Code XF0931 (EB)
More info	30/04/2030	8.94%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% APRC.
5.34% 5 Year Fixed Rate to 30/04/2030 (XF0923)								Code XF0923 (EB)
More info	30/04/2030	8.94%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% APRC.
4.99% JBSP 5 Year Fixed Rate to 31/05/2030 (XF0910)								Code XF0910
More info	31/05/2030	8.19%	60%	£175*	£599~	£500^	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/05/2030 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 - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.1% APRC.
5.34% 2 Year Fixed Rate to 31/03/2027 (XF0903)								Code XF0903
More info	31/03/2027	8.19%	80%	£175*	£999~	£500^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/03/2027 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 Remortgage applications Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 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 - 7.4% APRC.
5.39% 5 Year Fixed Rate to 31/05/2030 (XF0918)								Code XF0918 (Direct)
More info	31/05/2030	8.19%	80%	£175*	£999~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 80% Fixed Rate end date - 31/05/2030 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 Remortgage applications Early Repayment Charges - 5% until 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 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 - 6.8% APRC.
5.54% Expat 5 Year Fixed Rate to 30/04/2030 (XF0932)								Code XF0932 (Direct)
More info	30/04/2030	8.94%	70%	£175*	1.00%~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers Loan to Value - Maximum 70% Fixed Rate end date - 30/04/2030 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 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.
5.54% RIO 5 Year Fixed Rate to 31/05/2030 (XFZ026)								Code XFZ026
More info	31/05/2030	8.19%	50%	£175*	£999~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 31/05/2030 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 Remortgage applications Early Repayment Charges - 5% until 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 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 - 7.2% APRC.
6.19% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219
More info	3 years	8.19%	60%	£175*	£999~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% 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 Remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third 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 - 7.9% APRC.
6.44% (1.75% discounted rate from follow on rate) for 3 years (XD0220)								Code XD0220
More info	3 years	8.19%	80%	£175*	£999~	£500^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% 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 Remortgage applications Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third 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.

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	Next steps
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Case study - A repayment mortgage even in retirement

Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term

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Over 125 years of helping people move in

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5.49% 2 Year Fixed Rate to 31/03/2027 (XF0913)

5.79% Expat 2 Year Fixed Rate to 31/03/2027 (XF0930)

5.34% 5 Year Fixed Rate to 30/04/2030 (XF0923)

5.49% 2 Year Fixed Rate to 31/03/2027 (XF0913)

5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)

5.79% JBSP 2 Year Fixed Rate to 31/03/2027 (XF0916)

5.34% 2 Year Fixed Rate to 31/03/2027 (XF0903)

5.59% Ltd Co 2 Year Fixed Rate to 31/03/2027 (XF0925)

5.74% 2 Year Fixed Rate to 31/03/2027 (XF0922)

5.54% RIO 5 Year Fixed Rate to 31/05/2030 (XFZ026)

4.99% 5 Year Fixed Rate to 31/05/2030 (XF0909)

5.39% Expat 5 Year Fixed Rate to 30/04/2030 (XF0931)