Notices

  • 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)

  • Online Service update. Due to planned essential maintenance, our Online Service will not be available between the hours of 8:00 am until 6:00 pm on the 15 December. We apologise for any inconvenience this may cause.

Self-Employed Mortgages

With our personal and common sense approach to lending, being self-employed need not be a problem. You are also welcome to choose from any of our mortgage products suited to you. 

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

At Family Building Society, we take a flexible approach to all our mortgage customers, including those who are self-employed. Whether that be sole traders, Ltd Company Directors or those in a Partnership, we are keen to help. Every single mortgage application is reviewed by a real person (no "computer says no" here!) so we can even help with the most complex of cases.

Below you will find helpful information to help you with the self-employed mortgage process.

 

When am I considered self-employed?

If you currently own 20% share or more in a business that contributes to the majority of your income then you are considered self-employed.

 

What sources of income will you consider?

  • Two years of your trading history when looking at affordability
  • Last year’s SA302 or online HMRC Self-Assessment Return or the latest audited accounts rather than the average
  • Multiple companies and multiple income streams
  • For limited companies, if you have a 33% or more, financial stake in the business, we will consider your proportion of profit after tax plus your salary. 

 

How do I apply?

  • Step 1 - Start by contacting our New Business Team on 03330 140140 or by using the Call Me Back form. They’ll go over some basic information with you including how much you would like to borrow and what for. They’ll need to know about your income and outgoings to make sure you can afford the mortgage and they’ll check that the mortgage meets our lending criteria.
  • Step 2 – After our New Business Team have reviewed your circumstances, they’ll refer you to our Mortgage Advice Team who will go through your circumstances in detail and recommend a suitable product. This advice is free of charge from our in-house team, or you can choose to use your own adviser (they might charge you for this).
  • Step 3 – Submit your application along with any supporting documents (there is a list of what’s required on our application form) and the £175 Application Fee along with any valuation fee which may apply. There will be further fees associated with the product selected.
  • Step 4 – Once the application has been assessed a valuation will be carried and then it will be underwritten and we will provide you with a Mortgage Offer. A copy of this will also be given to your nominated Solicitor who will contact you with some forms to be completed.
  • Step 5 – Once your nominated Solicitor has carried out the necessary searches and received the forms back from you we can arrange to send you the funds (this is called “completion”).

 

What Mortgage Awards 2023 Best Guarantor Family Support Lender Winner

Our lending criteria

Find out details of how much we may be able to lend, for how long and the types of property we will lend on.

Read more

Mortgage Affordability Calculator

See how much money you may be able to borrow for a mortgage with our simple calculator.

See what I could borrow

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you, you can arrange an appointment or speak to a New Business Representative. You can get in touch in the following ways: 

Email us Call us on 03330 140140 Request a call back

When you submit your application there is a £175 Application Fee. There will be further costs associated with the application which will be explained to you when you contact our New Business Team and also by our Mortgage Advice team.

Usually between 12 and 16 weeks.

Our current interest rates can be found below.

We’ll send you an Application Form after you’ve spoken to our Mortgage Advice Team.

When the application is received from you.

Only if the property value is above £500,000 which is paid with the application fee.
  • Application fee £175
  • Product fee (to be confirmed)
  • Valuation fee if applicable
  • Solicitor’s fee
Yes, we do and there is no charge for their advice.
Yes, we do, we will consider their retirement income.
Yes, our maximum is four.
Filter:
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

4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)
4.74% 8.19% 5.6%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

See full details for fee details, documents you'll need, and more.

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4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)
4.74% 8.19% 5.6%APRC
  • Repayment
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 5.6% APRC.

See full details for fee details, documents you'll need, and more.

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4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)
4.84% 8.19% 5.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

See full details for fee details, documents you'll need, and more.

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4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
4.84% 8.19% 6.9%APRC
  • Repayment
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 6.9% APRC.

See full details for fee details, documents you'll need, and more.

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4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)
4.84% 8.19% 5.7%APRC
  • Repayment
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 5.7% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
4.84% 8.19% 6.7%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • 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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.7% APRC.

See full details for fee details, documents you'll need, and more.

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4.94% 3 Year Fixed Rate to 31/01/2028 (XF0870)
4.94% 8.19% 6.5%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2028
  • 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 - 3% until 31/01/2026, 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)
4.94% 8.19% 6.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • 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 - 80%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.7% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)
4.94% 8.19% 7.0%APRC
  • Repayment
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.0% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)
4.99% 8.94% 7.2%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)
4.99% 8.94% 7.7%APRC
  • Interest-Only
  • Repayment
 60% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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 - 7.7% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - RP)
4.99% 8.19% 7.0%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.0% APRC.

See full details for fee details, documents you'll need, and more.

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - IO)
4.99% 8.19% 7.3%APRC
  • Interest-Only
 95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

See full details for fee details, documents you'll need, and more.

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5.04% 5 Year Fixed Rate to 28/02/2030 (XF0881)
5.04% 8.19% 6.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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5.04% 3 Year Fixed Rate to 31/01/2028 (XF0871)
5.04% 8.19% 6.6%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2028
  • 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 - 3% until 31/01/2026, 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.04% 5 Year Fixed Rate to 28/02/2030 (XF0881)
5.04% 8.19% 6.4%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.4% APRC.

See full details for fee details, documents you'll need, and more.

Take the next step:

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)
5.09% 8.19% 7.1%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 7.1% APRC.

See full details for fee details, documents you'll need, and more.

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)
5.09% 8.19% 7.1%APRC
  • Repayment
 95% £599~

£250 cashback for purchase applications^

Some key features of this mortgage

  • 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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.1% APRC.

See full details for fee details, documents you'll need, and more.

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5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)
5.14% 8.94% 7.8%APRC
  • Interest-Only
  • Repayment
 70% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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 - 7.8% APRC.

See full details for fee details, documents you'll need, and more.

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5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)
5.14% 8.94% 7.2%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

See full details for fee details, documents you'll need, and more.

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5.19% Professionals 5 Year Fixed Rate to 28/02/2030 (XF0877)
5.19% 8.19% 7.2%APRC
  • Repayment
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 7.3% APRC.

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5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)
5.19% 8.19% 7.2%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

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5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)
5.19% 8.19% 7.2%APRC
  • Repayment
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 7.2% APRC.

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5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)
5.24% 8.94% 7.7%APRC
  • Interest-Only
  • Repayment
 60% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2030
  • 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
  • Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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 - 7.7% APRC.

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5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)
5.24% 8.94% 7.7%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

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5.24% 5 Year Fixed Rate to 28/02/2030 (XF0883)
5.24% 8.19% 6.6%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.6% APRC.

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5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)
5.29% 8.19% 7.3%APRC
  • Repayment
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 7.3% APRC.

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)
5.29% 8.19% 7.7%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • 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 - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 7.7% APRC.

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)
5.29% 8.19% 7.9%APRC
  • Repayment
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.9% APRC.

See full details for fee details, documents you'll need, and more.

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5.29% 5 Year Fixed Rate to 28/02/2030 (XF0882)
5.29% 8.19% 6.6%APRC
  • Interest-Only
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.29% 5 Year Fixed Rate to 28/02/2030 (XF0882)
5.29% 8.19% 6.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

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5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)
5.29% 8.19% 7.2%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

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5.34% Expat 5 Year Fixed Rate to 31/01/2030 (XF0895)
5.34% 8.94% 7.7%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

See full details for fee details, documents you'll need, and more.

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5.34% Expat 5 Year Fixed Rate to 31/01/2030 (XF0895)
5.34% 8.94% 8.0%APRC
  • Interest-Only
 60% 1.00%~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 60%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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.

See full details for fee details, documents you'll need, and more.

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)
5.39% 8.19% 7.8%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • 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 - 80%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)
5.39% 8.94% 7.8%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)
5.39% 8.19% 7.9%APRC
  • Repayment
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2027
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.9% APRC.

See full details for fee details, documents you'll need, and more.

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5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)
5.39% 8.94% 7.7%APRC
  • Interest-Only
  • Repayment
 70% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2030
  • 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
  • Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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 - 7.7% APRC.

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5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)
5.44% 8.94% 8.4%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.4% APRC.

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5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)
5.44% 8.94% 8.7%APRC
  • Interest-Only
  • Repayment
 60% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

See full details for fee details, documents you'll need, and more.

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5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)
5.49% 8.94% 8.6%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.49% 2 Year Fixed Rate to 31/01/2027 (XF0878)
5.49% 8.19% 7.7%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 7.7% APRC.

See full details for fee details, documents you'll need, and more.

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5.49% 2 Year Fixed Rate to 31/01/2027 (XF0878)
5.49% 8.19% 7.7%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

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5.49% Expat 5 Year Fixed Rate to 31/01/2030 (XF0896)
5.49% 8.94% 8.0%APRC
  • Interest-Only
 70% 1.00%~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • 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.

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5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)
5.49% 8.94% 8.6%APRC
  • Interest-Only
  • Repayment
 60% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 8.6% APRC.

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5.49% Expat 5 Year Fixed Rate to 31/01/2030 (XF0896)
5.49% 8.94% 7.7%APRC
  • Interest-Only
 70% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2030
  • 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 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

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5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)
5.54% 8.19% 7.1%APRC
  • Interest-Only
 50% £0~

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 - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)
5.54% 8.19% 7.3%APRC
  • Interest-Only
 50% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 28/02/2030
  • 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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 7.3% APRC.

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5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)
5.59% 8.94% 8.4%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.4% APRC.

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5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)
5.59% 8.94% 8.7%APRC
  • Interest-Only
  • Repayment
 70% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)
5.64% 8.94% 8.6%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC.

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5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)
5.64% 8.94% 8.7%APRC
  • Interest-Only
  • Repayment
 70% 1.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)
5.64% 8.94% 8.8%APRC
  • Interest-Only
 60% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)
5.64% 8.94% 8.6%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC.

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5.69% 2 Year Fixed Rate to 31/01/2027 (XF0880)
5.69% 8.19% 7.8%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.74% 2 Year Fixed Rate to 31/01/2027 (XF0879)
5.74% 8.19% 7.8%APRC
  • Interest-Only
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.74% 2 Year Fixed Rate to 31/01/2027 (XF0879)
5.74% 8.19% 7.8%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

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5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)
5.79% 8.94% 8.8%APRC
  • Interest-Only
 70% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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.

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5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)
5.79% 8.94% 8.6%APRC
  • Interest-Only
 70% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC.

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6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)
6.04% 8.29% 7.8%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • 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 - 60%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% 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.

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6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)
6.04% 8.29% 7.9%APRC
  • Repayment
 60% £999~

£500 cashback for remortgages and £100 cashback to open and fund linked Offset Saver account^

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 - 7.9% 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.

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6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)
6.14% 8.29% 7.8%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • 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 - 80%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% 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.

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6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)
6.14% 8.29% 7.9%APRC
  • Repayment
 80% £999~

£500 cashback for remortgages and £100 cashback to open and fund linked Offset Saver account^

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 - 7.9% 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.

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6.19% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
6.19% 8.19% 7.8%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • 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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

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6.19% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
6.19% 8.19% 7.8%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 7.8% APRC.

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6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.34% 8.19% 8.2%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • 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 - 8.2% APRC.

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6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)
6.34% 8.94% 8.8%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages.
  • Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.8% 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.

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6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)
6.34% 8.94% 9.0%APRC
  • Interest-Only
  • Repayment
 60% £999~

£100 cashback to open and fund linked Offset Saver account^

Some key features of this mortgage

  • Purpose - Offset applications for Purchase and Remortgage
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages.
  • Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - Maximum 60%
  • 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
  • ^Cashback - £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 - 9.0% 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.

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6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.34% 8.19% 8.3%APRC
  • Interest-Only
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 8.3% APRC.

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6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.44% 8.19% 8.1%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • 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 - 8.1% APRC.

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6.44% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.44% 8.19% 7.9%APRC
  • Interest-Only
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • 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 - 7.9% APRC.

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6.44% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.44% 8.19% 7.9%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • 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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC.

See full details for fee details, documents you'll need, and more.

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6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.44% 8.19% 8.2%APRC
  • Interest-Only
 60% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • 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 - 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 - £100,000 for purchase and remortgage
  • Cost for comparison - 8.2% APRC.

See full details for fee details, documents you'll need, and more.

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6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.44% 8.19% 8.1%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

See full details for fee details, documents you'll need, and more.

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6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)
6.49% 8.94% 8.8%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages.
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.24%
  • Loan to Value - 70%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.8% 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.

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6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)
6.49% 8.94% 9.0%APRC
  • Interest-Only
  • Repayment
 70% £999~

£100 cashback to open and fund linked Offset Saver account^

Some key features of this mortgage

  • Purpose - Offset applications for Purchase and Remortgage
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages.
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.24%
  • Loan to Value - Maximum 70%
  • 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
  • ^Cashback - £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 - 9.0% 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.

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6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.59% 8.19% 8.3%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • 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% in the first year, 1% in the second year
  • 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 - 8.3% APRC.

See full details for fee details, documents you'll need, and more.

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6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.59% 8.19% 8.3%APRC
  • Interest-Only
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 8.3% APRC.

See full details for fee details, documents you'll need, and more.

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6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.69% 8.19% 8.2%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • 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% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

See full details for fee details, documents you'll need, and more.

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6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.69% 8.19% 8.2%APRC
  • Interest-Only
 80% £999~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • 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 - 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 - £100,000 for purchase and remortgage
  • Cost for comparison - 8.2% APRC.

See full details for fee details, documents you'll need, and more.

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6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.69% 8.19% 8.2%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • 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 - 8.2% APRC.

See full details for fee details, documents you'll need, and more.

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Comparing two mortgage products

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