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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
5.74% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0949)								Code XF0949 (EB)
More info	30/06/2027	7.94%	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 - 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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 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 - 7.8% APRC.
5.24% 5 Year Fixed Rate to 30/06/2030 (XF0950)								Code XF0950 (EB)
More info	30/06/2030	7.94%	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 - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% APRC.
5.49% 5 Year Fixed Rate to 30/06/2030 (XF0951)								Code XF0951 (EB)
More info	30/06/2030	7.94%	80%	£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 - 80% Fixed Rate end date - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - IO)								Code XF0953 - IO (EB)
More info	30/06/2030	7.94%	95%	£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 - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - RP)								Code XF0953 - RP (EB)
More info	30/06/2030	7.94%	95%	£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 - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.1% APRC.
5.54% RIO 5 Year Fixed Rate to 30/06/2030 (XFZ027)								Code XFZ027 (EB)
More info	30/06/2030	7.94%	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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.0% APRC.
5.64% 2 Year Fixed Rate to 30/06/2027 (XF0955)								Code XF0955 (EB)
More info	30/06/2027	8.69%	75%	£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 - 75% Fixed Rate end date - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.1% APRC.
5.49% 2 Year Fixed Rate to 30/06/2027 (XF0954)								Code XF0954 (EB)
More info	30/06/2027	8.69%	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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.44% Ltd Co 5 Year Fixed Rate to 31/07/2030 (XF0960)								Code XF0960 (EB)
More info	31/07/2030	8.69%	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 - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% APRC.
5.49% Ltd Co 2 Year Fixed Rate to 30/06/2027 (XF0958)								Code XF0958 (EB)
More info	30/06/2027	8.69%	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 - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.34% 5 Year Fixed Rate to 31/07/2030 (XF0956)								Code XF0956 (EB)
More info	31/07/2030	8.69%	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 - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% APRC.
5.49% 5 Year Fixed Rate to 31/07/2030 (XF0957)								Code XF0957 (EB)
More info	31/07/2030	8.69%	75%	£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 - 75% Fixed Rate end date - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.8% APRC.
5.64% Ltd Co 2 Year Fixed Rate to 30/06/2027 (XF0959)								Code XF0959 (EB)
More info	30/06/2027	8.69%	75%	£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 - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.59% Ltd Co 5 Year Fixed Rate to 31/07/2030 (XF0961)								Code XF0961 (EB)
More info	31/07/2030	8.69%	75%	£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 - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.7% APRC.
5.69% Expat 2 Year Fixed Rate to 30/06/2027 (XF0963)								Code XF0963 (EB)
More info	30/06/2027	8.69%	75%	£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 - 75% Fixed Rate end date - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.54% Expat 2 Year Fixed Rate to 30/06/2027 (XF0962)								Code XF0962 (EB)
More info	30/06/2027	8.69%	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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% APRC.
5.39% Expat 5 Year Fixed Rate to 31/07/2030 (XF0964)								Code XF0964 (EB)
More info	31/07/2030	8.69%	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 - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.54% Expat 5 Year Fixed Rate to 31/07/2030 (XF0965)								Code XF0965 (EB)
More info	31/07/2030	8.69%	75%	£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 - 75% Fixed Rate end date - 31/07/2030 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 31/07/2026, 4% until 31/07/2027, 3% until 31/07/2028, 2% until 31/07/2029, 1% until 31/07/2030 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219
More info	3 years	7.94%	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 - 7.6% APRC.
6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)								Code XD0220
More info	3 years	7.94%	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 - 7.7% 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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5.74% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0949)

5.24% 5 Year Fixed Rate to 30/06/2030 (XF0950)

5.49% 5 Year Fixed Rate to 30/06/2030 (XF0951)

5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - IO)

5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - RP)

5.54% RIO 5 Year Fixed Rate to 30/06/2030 (XFZ027)

5.64% 2 Year Fixed Rate to 30/06/2027 (XF0955)

5.49% 2 Year Fixed Rate to 30/06/2027 (XF0954)

5.44% Ltd Co 5 Year Fixed Rate to 31/07/2030 (XF0960)

5.49% Ltd Co 2 Year Fixed Rate to 30/06/2027 (XF0958)

5.34% 5 Year Fixed Rate to 31/07/2030 (XF0956)

5.49% 5 Year Fixed Rate to 31/07/2030 (XF0957)

5.64% Ltd Co 2 Year Fixed Rate to 30/06/2027 (XF0959)

5.59% Ltd Co 5 Year Fixed Rate to 31/07/2030 (XF0961)

5.69% Expat 2 Year Fixed Rate to 30/06/2027 (XF0963)

5.54% Expat 2 Year Fixed Rate to 30/06/2027 (XF0962)

5.39% Expat 5 Year Fixed Rate to 31/07/2030 (XF0964)

5.54% Expat 5 Year Fixed Rate to 31/07/2030 (XF0965)

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)