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Mortgage Products Term Initial Rate1 Overall Cost for Comparison2 MAX LTV3 Early Repayment Change Product Fees See Representative Example

Buy to Let - Expat (5)

5 Year Fixed Rate Expat Holiday Buy to Let – XIB033 5 years 4.69% 5.8% APRC 75% 3% £199 application fee, 1% completion fee

A mortgage of £473,900.00 payable over 35 years initially on a fixed rate of 4.69% for 5 years and then on our current standard variable rate of 5.99% for the remaining 30 years would require 59 monthly payments of £1,852.16 and 360 monthly payments of £2,365.39; plus one initial interest payment of £1,887.68.

The total amount payable would be £1,442,459.52 made up of the loan amount, plus interest and fee(s) totalling £968,559.52.  This includes Chaps Fees (£25), Completion Fee (£4,739) Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£511) and Legal Fee (£255).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate Expat Holiday Buy to Let – DIB068 2 years Currently 4.58% 6.1% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £170,000.00 payable over 30 years initially on a variable rate, currently 4.58% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £648.83 and 336 monthly payments of £848.58; plus one initial interest payment of £661.28.

The total amount payable would be £473,277.25 made up of the loan amount, plus interest and fee(s) totalling £303,277.25.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1700), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 6.1% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB060 2 years Currently 4.13% 6.0% APRC 75% 2% £199 application fee, £800 completion fee

A mortgage of £170,000.00 payable over 30 years initially on a variable rate, currently 4.13% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £585.08 and 336 monthly payments of £848.58; plus one initial interest payment of £596.30.

The total amount payable would be £470,580.02 made up of the loan amount, plus interest and fee(s) totalling £300,580.02.  This includes Chaps Fee  (£25), Completion Fee (£800), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB059 2 years Currently 3.59% 5.9% APRC 75% 2% £199 application fee, 1.25% completion fee

A mortgage of £170,000.00 payable over 30 years initially on a variable rate, currently 3.59% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £508.58 and 336 monthly payments of £848.58; plus one initial interest payment of £518.34.

The total amount payable would be £470,067.56 made up of the loan amount, plus interest and fee(s) totalling £300,067.56. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£2,125), Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.9% APRC representative.

Expat Consumer Buy to Let 2 Year Discounted Rate – DIB051 2 years Currently 3.93% 5.9% APRC 75% 2% £199 application fee, no completion fee

A mortgage of £170,000.00 payable over 30 years initially on a variable rate, currently 3.93% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £556.75 and 336 monthly payments of £848.58; plus one initial interest payment of £567.43

The total amount payable would be £469,099.56 made up of the loan amount, plus interest and fee(s) totalling £299,099.56.  This includes Caps Fee (£25), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.9% APRC representative.

Buy to Let - Family (2)

Family Buy to Let 2 Year Discounted Rate – DIB052 2 years Currently 3.79% 6.0% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £120,000.00 payable over 25 years initially on a variable rate, currently 3.79% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £379.00 and 276 monthly payments of £599.00; plus one initial interest payment of £386.27.

The total amount payable would be £296,425.27 made up of the loan amount, plus interest and fee(s) totalling £176,425.27.  This includes Application Fee (£199), Chaps fee (£25), Completion Fee (£1,200), Valuation Fee (£194), Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.0% APRC representative.

Family Buy to Let 3 Year Discounted Rate – DIB047 3 year Currently 3.89% 5.8% APRC 75% 3% £199 application fee, £1,800 completion fee

A mortgage of £300,000.00 payable over 23 years initially on a variable rate, currently 3.89% for 3 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 35 monthly payments of £972.50 and 240 monthly payments of £1,497.41; plus one initial interest payment of £991.15.

The total amount payable would be £697,194.05 made up of the loan amount, plus interest and fee(s) totalling £397,194.05.  This includes Chaps Fee (£25), Completion Fee (£1,800), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£383) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

Buy to Let - Holiday Lets (4)

5 Year Fixed Rate Expat Holiday Buy to Let – XIB033 5 years 4.69% 5.8% APRC 75% 3% £199 application fee, 1% completion fee

A mortgage of £473,900.00 payable over 35 years initially on a fixed rate of 4.69% for 5 years and then on our current standard variable rate of 5.99% for the remaining 30 years would require 59 monthly payments of £1,852.16 and 360 monthly payments of £2,365.39; plus one initial interest payment of £1,887.68.

The total amount payable would be £1,442,459.52 made up of the loan amount, plus interest and fee(s) totalling £968,559.52.  This includes Chaps Fees (£25), Completion Fee (£4,739) Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£511) and Legal Fee (£255).

The overall cost for comparison is 5.8% APRC representative.

5 Year Fixed Rate Holiday Buy to Let – XIB032 5 years 4.09% 5.7% APRC 75% 3% £199 application fee, 1% completion fee

A mortgage of £473,900.00 payable over 35 years initially on a fixed rate of 4.09% for 5 years and then on our current standard variable rate of 5.99% for the remaining 30 years would require 59 monthly payments of £1,615.21 and 360 monthly payments of £2,365.41; plus one initial interest payment of £1,646.19.

The total amount payable would be £1,428,245.18 made up of the loan amount, plus interest and fee(s) totalling £954,345.18.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£4,739), Redemption Administration Fee (£125), Valuation Fee (£511) and Legal Fees (£255).

The overall cost for comparison is 5.7% APRC representative.

2 Year Discounted Rate Expat Holiday Buy to Let – DIB068 2 years Currently 4.58% 6.1% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £170,000.00 payable over 30 years initially on a variable rate, currently 4.58% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £648.83 and 336 monthly payments of £848.58; plus one initial interest payment of £661.28.

The total amount payable would be £473,277.25 made up of the loan amount, plus interest and fee(s) totalling £303,277.25.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1700), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 6.1% APRC representative.

2 Year Discounted Rate Holiday Buy to Let – DIB067 2 years Currently 3.98% 6.0% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £120,000.00 payable over 25 years initially on a variable rate, currently 3.98% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £398.00 and 276 monthly payments of £599.00; plus one initial interest payment of £405.63

The total amount payable would be £296,881.63 made up of the loan amount, plus interest and fee(s) totalling £176,881.63.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1,200), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

Buy to Let - Ltd Company (7)

5 Year Fixed Rate Holiday Buy to Let – XIB032 5 years 4.09% 5.7% APRC 75% 3% £199 application fee, 1% completion fee

A mortgage of £473,900.00 payable over 35 years initially on a fixed rate of 4.09% for 5 years and then on our current standard variable rate of 5.99% for the remaining 30 years would require 59 monthly payments of £1,615.21 and 360 monthly payments of £2,365.41; plus one initial interest payment of £1,646.19.

The total amount payable would be £1,428,245.18 made up of the loan amount, plus interest and fee(s) totalling £954,345.18.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£4,739), Redemption Administration Fee (£125), Valuation Fee (£511) and Legal Fees (£255).

The overall cost for comparison is 5.7% APRC representative.

3 Year Fixed Rate Buy to Let – XIB035 3 years 4.29% 5.9% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £127,500.00 payable over 22 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.99% for the remaining 19 years would require 35 monthly payments of £455.81 and 228 monthly payments of £636.40; plus one initial interest payment of £464.55.

The total amount payable would be £291,115.10 made up of the loan amount, plus interest and fee(s) totalling £163,615.10.  This includes Chaps Fee (£25), Completion Fee (£1,300), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Fixed Rate Buy to Let – XIB034 2 years 4.29% 6.0% APRC 75% 2% £199 application fee, £1,300 completion fee

A mortgage of £127,500.00 payable over 22 years initially on a fixed rate of 4.29% for 2 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 23 monthly payments of £455.81 and 240 monthly payments of £636.43 plus one initial interest payment of £464.55.

The total amount payable would be £293,289.38 made up of the loan amount, plus interest and fee(s) totalling £165,789.38.  This includes Chaps Fee (£25), Completion Fee (£1,300), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

2 Year Discounted Rate Holiday Buy to Let – DIB067 2 years Currently 3.98% 6.0% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £120,000.00 payable over 25 years initially on a variable rate, currently 3.98% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £398.00 and 276 monthly payments of £599.00; plus one initial interest payment of £405.63

The total amount payable would be £296,881.63 made up of the loan amount, plus interest and fee(s) totalling £176,881.63.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1,200), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

3 Year Discounted Rate Buy to Let – DIB066 3 years Currently 2.93% 5.5% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £300,000.00 payable over 23 years initially on a variable rate, currently 2.93% for 3 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 35 monthly payments of £732.50 and 240 monthly payments of £1,497.43; plus one initial interest payment of £746.55.

The total amount payable would be £688,054.25 made up of the loan amount, plus interest and fee(s) totalling £388,054.25.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1,300), Redemption Administration Fee (£125), Valuation Fee (£383) and Legal Fees (£255).

The overall cost for comparison is 5.5% APRC representative.

2 Year Discounted Rate Buy to Let – DIB065 2 years Currently 2.93% 5.8% APRC 75% 2% £199 application fee, £1,300 completion fee

A mortgage of £120,000.00 payable over 25 years initially on a variable rate, currently 2.93% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £293.00 and 276 monthly payments of £599.00; plus one initial interest payment of £298.62.

The total amount payable would be £294,459.62 made up of the loan amount, plus interest and fee(s) totalling £174,459.62.  This includes Chaps Fees (£25), Application Fee (£199), Completion Fee (£1,300), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

Limited Company Buy to Let 2 Year Discounted Rate – DIB055 2 years Currently 4.23% 6.1% APRC 65% 2% £199 application fee, £1,800 completion fee

A mortgage of £102,500.00 payable over 24 years initially on a variable rate, currently 4.23% for 2 years and then on our current standard variable rate of 5.99% for the remaining 22 years would require 23 monthly payments of £361.31 and 264 monthly payments of £511.64; plus one initial interest payment of £368.24.

The total amount payable would be £248,655.33 made up of the loan amount, plus interest and fee(s) totalling £146,155.33.  This includes Chaps Fee (£25), Completion Fee (£1,800), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 6.1% APRC representative.

Buy to Let - Standard (6)

3 Year Fixed Rate Buy to Let – XIB035 3 years 4.29% 5.9% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £127,500.00 payable over 22 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.99% for the remaining 19 years would require 35 monthly payments of £455.81 and 228 monthly payments of £636.40; plus one initial interest payment of £464.55.

The total amount payable would be £291,115.10 made up of the loan amount, plus interest and fee(s) totalling £163,615.10.  This includes Chaps Fee (£25), Completion Fee (£1,300), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Fixed Rate Buy to Let – XIB034 2 years 4.29% 6.0% APRC 75% 2% £199 application fee, £1,300 completion fee

A mortgage of £127,500.00 payable over 22 years initially on a fixed rate of 4.29% for 2 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 23 monthly payments of £455.81 and 240 monthly payments of £636.43 plus one initial interest payment of £464.55.

The total amount payable would be £293,289.38 made up of the loan amount, plus interest and fee(s) totalling £165,789.38.  This includes Chaps Fee (£25), Completion Fee (£1,300), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

3 Year Discounted Rate Buy to Let – DIB066 3 years Currently 2.93% 5.5% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £300,000.00 payable over 23 years initially on a variable rate, currently 2.93% for 3 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 35 monthly payments of £732.50 and 240 monthly payments of £1,497.43; plus one initial interest payment of £746.55.

The total amount payable would be £688,054.25 made up of the loan amount, plus interest and fee(s) totalling £388,054.25.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£1,300), Redemption Administration Fee (£125), Valuation Fee (£383) and Legal Fees (£255).

The overall cost for comparison is 5.5% APRC representative.

Standard Buy to Let 5 Year Fixed Rate – XIB031 5 years 4.09% 5.6% APRC 80% 3% £199 application fee, £1,300 completion fee

A mortgage of £473,900.00 payable over 35 years initially on a fixed rate of 4.09% for 5 years and then on our current standard variable rate of 5.99% for the remaining 30 years would require 59 monthly payments of £1,615.21 and 360 monthly payments of £2,365.41; plus one initial interest payment of £1,646.19.

The total amount payable would be £1,424,806.18 made up of the loan amount, plus interest and fee(s) totalling £950,906.18.  This includes Chaps Fee (£25), Completion Fee (£1,300), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£511) and Legal Fees (£255).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate Buy to Let – DIB065 2 years Currently 2.93% 5.8% APRC 75% 2% £199 application fee, £1,300 completion fee

A mortgage of £120,000.00 payable over 25 years initially on a variable rate, currently 2.93% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £293.00 and 276 monthly payments of £599.00; plus one initial interest payment of £298.62.

The total amount payable would be £294,459.62 made up of the loan amount, plus interest and fee(s) totalling £174,459.62.  This includes Chaps Fees (£25), Application Fee (£199), Completion Fee (£1,300), Redemption Administration Fee (£125), Valuation Fee (£194) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

Standard Buy to Let 3 Year Discounted Rate – DIB037 3 years Currently 3.89% 5.8% APRC 75% 3% £199 application fee, £1,800 completion fee

A mortgage of £300,000.00 payable over 23 years initially on a variable rate, currently 3.89% for 3 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 35 monthly payments of £972.50 and 240 monthly payments of £1,497.41; plus one initial interest payment of £991.15.

The total amount payable would be £697,194.05 made up of the loan amount, plus interest and fee(s) totalling £397,194.05.  This includes Chaps Fee (£25), Completion Fee (£1,800), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£383) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

Family Assist (2)

Family Assist 5 Year Fixed Rate – House Purchase Only – XFM001 5 years 3.89% 5.4% APRC 100% 3% £199 application fee, no completion fee

A mortgage of £115,000.00 payable over 28 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 59 monthly payments of £563.28 and 276 monthly payments of £685.83; plus one initial interest payment of £379.94.

The total amount payable would be £223,770.54 made up of the loan amount, plus interest and fee(s) totalling £108,770.54.  This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350), Valuation Fee (£169) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

Family Assist 3 Year Discounted Rate – House Purchase Only – DFM001 3 years Currently 3.69% 5.7% APRC 100% 3% £199 application fee, no completion fee

A mortgage of £125,000.00 payable over 40 years initially on a variable rate, currently 3.69% for 3 years and then on our current standard variable rate of 5.99% for the remaining 37 years would require 35 monthly payments of £499.04 and 444 monthly payments of £677.02; plus one initial interest payment of £391.75

The total amount payable would be £319,323.03 made up of the loan amount, plus interest and fee(s) totalling £194,323.03.  This includes Application Fee (£199), Legal Fees (£350), Valuation Fee (£169), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.7% APRC representative.

Residential - Purchase (11)

2 Year Fixed Rate – DIX237 2 years 3.99% 5.8% APRC over 80% and up to 90% 2% £199 application fee, £800 completion fee

A mortgage of £234,000.00 payable over 27 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.99% for the remaining 25 years would require 23 monthly payments of £1,182.91 and 300 monthly payments of £1,444.04; plus one initial interest payment of £792.97.

The total amount payable would be £462,615.90 made up of the loan amount, plus interest and fee(s) totalling £228,615.90.  This includes Chaps Fee (£25), Completion Fee (£800), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

2 Year Fixed Rate – DIX236 2 years 3.89% 5.8% APRC 80% 2% £199 application fee, £800 completion fee

A mortgage of £143,000.00 payable over 25 years initially on a fixed rate of 3.89% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £747.63 and 276 monthly payments of £910.34; plus one initial interest payment of £472.45.

The total amount payable would be £270,325.78 made up of the loan amount, plus interest and fee(s) totalling £127,325.78.  This includes Chaps Fee (£25), Completion Fee (£800), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

5 Year Fixed Rate – House Purchase Only – DIX239 5 years 4.29% 5.6% APRC Over 90% and up to 95% 3% £199 application fee, £300 completion fee

A mortgage of £125,875.00 payable over 34 years initially on a fixed rate of 4.29% for 5 years and then on our current standard variable rate of 5.99% for the remaining 29 years would require 59 monthly payments of £587.47 and 348 monthly payments of £708.58; plus one initial interest payment of £458.63.

The total amount payable would be £282,609.20 made up of the loan amount, plus interest and fee(s) totalling £156,734.20.  This includes Chaps Fee (£25), Completion Fee (£300), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate House Purchase Only – DID155 2 years Currently 3.63% 5.8% APRC over 90% and up to 95% 2% £199 application fee, £300 completion fee

A mortgage of £231,300.00 payable over 38 years initially on a variable rate, currently 3.63% for 2 years and then on our current standard variable rate of 5.99% for the remaining 36 years would require 23 monthly payments of £936.68 and 432 monthly payments of £1,274.77 plus one initial interest payment of £713.10.

The total amount payable would be £573,861.38 made up of the loan amount, plus interest and fee(s) totalling £342,561.38.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£300), Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.8% APRC representative.

2 Year Fixed Rate – House Purchase Only – DIX238 2 years 4.29% 5.9% APRC Over 90% and up to 95% 2% £199 application fee, £300 completion fee

A mortgage of £125,875.00 payable over 34 years initially on a fixed rate of 4.29% for 2 years and then on our current standard variable rate of 5.99% for the remaining 32 years would require 23 monthly payments of £587.47 and 384 monthly payments of £718.01; plus one initial interest payment of £458.63.

The total amount payable would be £290,590.28 made up of the loan amount, plus interest and fee(s) totalling £164,715.28.  This includes Chaps Fee (£25), Completion Fee (£300), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Discounted Rate – DID154 2 years Currently 3.03% 5.7% APRC over 80% and up to 90% 2% £199 application fee, £300 completion fee

A mortgage of £235,230.00 payable over 30 years initially on a variable rate, currently 3.03% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £997.25 and 336 monthly payments of £1,386.86; plus one initial interest payment of £605.35

The total amount payable would be £490,431.06 made up of the loan amount, plus interest and fee(s) totalling £255,201.06.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£300), Legal Fees (£255) and Redemption Administration Fee (£125) .

The overall cost for comparison is 5.7% APRC representative.

2 Year Discounted Rate – DID153 2 years Currently 2.93% 5.8% APRC 75% 2% £199 application fee, £300 completion fee

A mortgage of £235,230.00 payable over 30 years initially on a variable rate, currently 2.93% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £574.35 and 336 monthly payments of £1,174.18, plus one initial interest payment of £585.37.

The total amount payable would be £644,453.90 made up of the loan amount, plus interest and fee(s) totalling £409,223.90.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£300),  Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – DID156 2 years Currently 2.63% 5.3% APRC 75% (70% for loans over £750,000 and under £1m) 2% £199 application fee, 0.50% completion fee

A mortgage of £706,055.00 payable over 15 years initially on a variable rate, currently 2.63% for 2 years and then on our current standard variable rate of 5.99% for the remaining 13 years would require 23 monthly payments of £4,772.89 and 156 monthly payments of £5,822.93; plus one initial interest payment of £1,577.11

The total amount payable would be £1,023,864.93 made up of the loan amount, plus interest and fee(s) totalling £317,809.93.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£3,530.27), Legal Fees (£255.00) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Discounted Rate – DID152 2 years Currently 2.53% 5.6% APRC 80% 2% £199 application fee, £300 completion fee

A mortgage of £235,230 payable over 30 years initially on a variable rate, currently 2.53% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £934.85 and 336 monthly payments of £1,381.98 plus one initial interest payment of £505.45.

The total amount payable would be £487,256.28 made up of the loan amount, plus interest and fee(s) totalling £252,026.28. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£255), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.6% APRC representative.

Help to Buy Equity Loan Scheme 3 Year Discounted Rate – SEOD08 3 years Currently 3.39% 5.6% APRC 75% 3% £199 application fee, £800 completion fee

A mortgage of £103,995.00 payable over 30 years initially on a variable rate, currently 3.39% for 3 years and then on our current standard variable rate of 5.99% for the remaining 27 years would require 35 monthly payments of £461.36 and 324 monthly payments of £609.86; plus one initial interest payment of £299.42.

The total amount payable would be £215,734.66 made up of the loan amount, plus interest and fee(s) totalling £111,739.66.  This includes Chaps Fee (£25), Application Fee (£199), Completion Fee (£800), Legal Fees (£350), Redemption Administration Fee (£125) and Valuation Fee (£194).

The overall cost for comparison is 5.6% APRC representative.

3 Year Discounted Rate – DID144 3 years Currently 2.63% 4.7% APRC 80% 3% £199 application fee, £300 completion fee

A mortgage of £130,000.00 payable over 12 years initially on a variable rate, currently 2.63% for 3 years and then on our current standard variable rate of 5.99% for the remaining 9 years would require 35 monthly payments of £1,059.97 and 108 monthly payments of £1,222.09; plus one initial interest payment of £290.38

The total amount payable would be £170,279.05 made up of the loan amount, plus interest and fee(s) totalling £40,279.05.  This includes Application Fee (£199), Chaps fee (£25), Completion Fee (£300), Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

Residential - Remortgage (6)

2 Year Fixed Rate – DIX236 2 years 3.89% 5.8% APRC 80% 2% £199 application fee, £800 completion fee

A mortgage of £143,000.00 payable over 25 years initially on a fixed rate of 3.89% for 2 years and then on our current standard variable rate of 5.99% for the remaining 23 years would require 23 monthly payments of £747.63 and 276 monthly payments of £910.34; plus one initial interest payment of £472.45.

The total amount payable would be £270,325.78 made up of the loan amount, plus interest and fee(s) totalling £127,325.78.  This includes Chaps Fee (£25), Completion Fee (£800), Application Fee (£199), Redemption Administration Fee (£125) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – DID154 2 years Currently 3.03% 5.7% APRC over 80% and up to 90% 2% £199 application fee, £300 completion fee

A mortgage of £235,230.00 payable over 30 years initially on a variable rate, currently 3.03% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £997.25 and 336 monthly payments of £1,386.86; plus one initial interest payment of £605.35

The total amount payable would be £490,431.06 made up of the loan amount, plus interest and fee(s) totalling £255,201.06.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£300), Legal Fees (£255) and Redemption Administration Fee (£125) .

The overall cost for comparison is 5.7% APRC representative.

2 Year Discounted Rate – DID153 2 years Currently 2.93% 5.8% APRC 75% 2% £199 application fee, £300 completion fee

A mortgage of £235,230.00 payable over 30 years initially on a variable rate, currently 2.93% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £574.35 and 336 monthly payments of £1,174.18, plus one initial interest payment of £585.37.

The total amount payable would be £644,453.90 made up of the loan amount, plus interest and fee(s) totalling £409,223.90.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£300),  Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – DID156 2 years Currently 2.63% 5.3% APRC 75% (70% for loans over £750,000 and under £1m) 2% £199 application fee, 0.50% completion fee

A mortgage of £706,055.00 payable over 15 years initially on a variable rate, currently 2.63% for 2 years and then on our current standard variable rate of 5.99% for the remaining 13 years would require 23 monthly payments of £4,772.89 and 156 monthly payments of £5,822.93; plus one initial interest payment of £1,577.11

The total amount payable would be £1,023,864.93 made up of the loan amount, plus interest and fee(s) totalling £317,809.93.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£3,530.27), Legal Fees (£255.00) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Discounted Rate – DID152 2 years Currently 2.53% 5.6% APRC 80% 2% £199 application fee, £300 completion fee

A mortgage of £235,230 payable over 30 years initially on a variable rate, currently 2.53% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £934.85 and 336 monthly payments of £1,381.98 plus one initial interest payment of £505.45.

The total amount payable would be £487,256.28 made up of the loan amount, plus interest and fee(s) totalling £252,026.28. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£255), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.6% APRC representative.

3 Year Discounted Rate – DID144 3 years Currently 2.63% 4.7% APRC 80% 3% £199 application fee, £300 completion fee

A mortgage of £130,000.00 payable over 12 years initially on a variable rate, currently 2.63% for 3 years and then on our current standard variable rate of 5.99% for the remaining 9 years would require 35 monthly payments of £1,059.97 and 108 monthly payments of £1,222.09; plus one initial interest payment of £290.38

The total amount payable would be £170,279.05 made up of the loan amount, plus interest and fee(s) totalling £40,279.05.  This includes Application Fee (£199), Chaps fee (£25), Completion Fee (£300), Legal Fees (£255) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

Retirement Interest Only (2)

Retirement Interest Only (RIO) 5 Year Discounted Rate DRI001 5 years Currently 3.23% 5.4% APRC 55% (age 65+), 40% (up to age 65) NIL £199 application fee, £800 completion fee

A mortgage of £200,000 payable over 40 years initially on a variable rate, currently 3.23% for 5 years and then on our current standard variable rate of 5.99% for the remaining 35 years would require 59 monthly payments of £538.33 and 420 monthly payments of £998.29; plus one initial interest payment of £548.66.

The total amount payable would be £653,519.93 made up of the loan amount, plus interest and fee(s) totalling £ 453,519.93.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350), Valuation Fee (£429) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

 

Retirement Interest Only (RIO) 3 Year Fixed Rate XRI001 3 years 3.35% 5.7% APRC 55% (age 65+), 40% (up to age 65) 3% £199 application fee, £800 completion fee

A mortgage of £200,000.00 payable over 40 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.99% for the remaining 37 years would require 35 monthly payments of £558.33 and 444 monthly payments of £998.28; plus one initial interest payment of £569.04.

The total amount payable would be £665,274.91 made up of the loan amount, plus interest and fee(s) totalling £465,274.91.  This includes Application Fee (£199), Valuation Fee (£429), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.7% APRC representative.

Shared Ownership (1)

5 Year Fixed Rate Shared Ownership – SX-023 5 years 3.89% 5.3% APRC 95% of the share being purchased, 75% property value 3% £199 application fee

A mortgage of £93,600.00 payable over 25 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.99% for the remaining 20 years would require 59 monthly payments of £489.36 and 240 monthly payments of £583.62; plus one initial interest payment of £309.24.

The total amount payable would be £169,949.28 made up of the loan amount, plus interest and fee(s) totalling £76,349.28.  This includes Chaps Fee (£25), Application Fee (£199), Legal Fees (£350), and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

Versatility (8)

2 Year Discounted Rate – CPDV11 (Versatility 4) 2 years Currently 4.43% 5.9% APRC 75% 2% £199 application fee, £999 completion fee

A mortgage of £257,246.00 payable over 24 years initially on a variable rate, currently 4.43% for 2 years and then on our current standard variable rate of 5.99% for the remaining 22 years would require 23 monthly payments of £1,454.99 and 264 monthly payments of £1,673.03; plus one initial interest payment of £967.88.

The total amount payable would be £478,062.57 made up of the loan amount, plus interest and fee(s) totalling £220,816.57.  This includes Chaps Fee (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£347) and Legal Fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Discounted Rate – CPDV10 (Versatility 3) 2 years Currently 4.03% 5.9% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £192,450.00 payable over 30 years initially on a variable rate, currently 4.03% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £923.44 and 336 monthly payments of £1,141.94; plus one initial interest payment of £658.71.

The total amount payable would be £407,458.67 made up of the loan amount, plus interest and fee(s) totalling £215,008.67.  This includes Chaps Fees (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Fixed Rate – MPXV06 (Versatility 2) 2 years 4.79% 6.0% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £239,000.00 payable over 27 years initially on a fixed rate of 4.79% for 2 years and then on our current standard variable rate of 5.99% for the remaining 25 years would require 23 monthly payments of £1,318.00 and 300 monthly payments of £1,482.09; plus one initial interest payment of £972.30.

The total amount payable would be £477,782.30 made up of the loan amount, plus interest and fee(s) totalling £238,782.30.  This includes Chaps fee (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

2 Year Fixed Rate – CPXV08 (Versatility 3) 2 years 5.09% 6.1% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £239,000.00 payable over 27 years initially on a fixed rate of 5.09% for 2 years and then on our current standard variable rate of 5.99% for the remaining 25 years would require 23 monthly payments of £1,360.44 and 300 monthly payments of £1,484.62; plus one initial interest payment of £1,033.20.

The total amount payable would be £479,578.32 made up of the loan amount, plus interest and fee(s) totalling £240,578.32.  This includes Chaps Fee (£25), Completion Fee (£999), Application (£199), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 6.1% APRC representative.

2 Year Fixed Rate – CPXV09 (Versatility 4) 2 years 5.49% 6.1% APRC 75% 2% £199 application fee, £999 completion fee

A mortgage of £250,125.00 payable over 35 years initially on a fixed rate of 5.49% for 2 years and then on our current standard variable rate of 5.99% for the remaining 33 years would require 23 monthly payments of £1,342.63 and 396 monthly payments of £1,422.62; plus one initial interest payment of £1,166.27.

The total amount payable would be £597,354.28 made up of the loan amount, plus interest and fee(s) totalling £347,229.28.  This includes Chaps Fee (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£347) and Legal Fees (£255).

The overall cost for comparison is 6.1% APRC representative.

2 Year Discounted Rate – MPDV06 (Versatility 2) 2 years Currently 3.88% 5.9% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £192,450.00 payable over 30 years initially on a variable rate, currently 3.88% for 2 years and then on our current standard variable rate of 5.99% for the remaining 28 years would require 23 monthly payments of £906.86 and 336 monthly payments of £1,140.90; plus one initial interest payment of £634.19.

The total amount payable would be £406,703.37 made up of the loan amount, plus interest and fee(s) totalling £214,253.37.  This includes Chaps Fee (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£266) and Legal Fees (£255).

The overall cost for comparison is 5.9% APRC representative.

2 Year Fixed Rate – MPXV05 (Versatility 1) 2 years 4.49% 6.0% APRC 85% 2% £199 application fee, £999 completion fee

A mortgage of £250,125.00 payable over 35 years initially on a fixed rate of 4.49% for 2 years and then on our current standard variable rate of 5.99% for the remaining 33 years would require 23 monthly payments of £1,183.35 and 396 monthly payments of £1,416.05; plus one initial interest payment of £953.83.

The total amount payable would be £590,876.68 made up of the loan amount, plus interest and fee(s) totalling £340,751.68.  This includes Chaps Fee (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£347) and Legal Fees (£255).

The overall cost for comparison is 6.0% APRC representative.

2 Year Discounted Rate – MPDV05 (Versatility 1) 2 years Currently 3.48% 5.8% APRC 85% 2% £199 application fee, £999 completion fee

A mortgage of £283,050.00 payable over 35 years initially on a variable rate, currently 3.48% for 2 years and then on our current standard variable rate of 5.99% for the remaining 33 years would require 23 monthly payments of £1,167.97 and 396 monthly payments of £1,593.57; plus one initial interest payment of £836.59.

The total amount payable would be £660,703.62 made up of the loan amount, plus interest and fee(s) totalling £377,653.62.  This includes Chaps Fees (£25), Completion Fee (£999), Application Fee (£199), Redemption Administration Fee (£125), Valuation Fee (£347) and Legal Fees (£255).

The overall cost for comparison is 5.8% APRC representative.

Definitions

1. Initial Rate

The Initial Rate is the rate available during the initial term of the mortgage. Once the initial rate term has expired, the mortgage will revert to our Standard Variable Rate (SVR). Our SVR is set by us and is currently 5.99%, as a variable rate it may go up or down.

2. Overall Cost for Comparison

The Overall Cost for Comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all charges incurred relating to the mortgage. The APRC is intended to help you as a borrower compare the interest rates on different products.

3. Max LTV

Like all other mortgage lenders, we will allow you to borrow against a proportion of the overall property value. This is known as Loan to Value (LTV) and is expressed as a percentage. For example, if you want to purchase a property at £100,000 and you would like to borrow £85,000, then you will need a mortgage available at 85% Loan to Value (LTV). The available LTV can vary depending upon the type of mortgage. Shared Ownership mortgages will offer two percentages under LTV - the proportion of the property value and the proportion of the share being purchased.
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