Date Printed: 12 November 2024
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Mortgage Products  Term  Initial Rate^{1}  Overall Cost for Comparison^{2}  MAX LTV^{3}  Early Repayment Change  Product Fees  See Representative Example  
Buy to Let  Ltd Company (2) 

Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096

Term:2 years 
Initial Rate^{1}:5.70% variable 
Overall Cost for Comparison^{2}:8.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071

Term:2 years 
Initial Rate^{1}:4.94% variable 
Overall Cost for Comparison^{2}:8.5% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, 2.50% completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Buy to Let Further Advance Mortgages (1) 

Last Updated:16 September 2024
Further Advance: Buy to Let Discounted Variable Rate For Mortgage Term – BTLFD3

Term:Duration of the mortgage term 
Initial Rate^{1}:5.80% Variable 
Overall Cost for Comparison^{2}:6% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:None 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Buy to Let Product Transfers (8) 

Last Updated:30 August 2024
Holiday Buy to Let 3 Year Discounted Variable Rate – DIB22A

Term:3 Years 
Initial Rate^{1}:5.94% Variable 
Overall Cost for Comparison^{2}:7.9% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £132,914.39 payable over 10 years initially on a variable rate of 5.94% for 3 years and then on our current standard variable rate of 8.64% for the remaining 7 years would require 36 monthly payments of £657.93 and 84 monthly payments of £956.91. The total amount payable would be £237,105.31 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £104,190.92. The overall cost for comparison is 7.9% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Expat Buy to Let 3 Year Discounted Variable Rate – DIB21A

Term:3 Years 
Initial Rate^{1}:5.94% Variable 
Overall Cost for Comparison^{2}:7.9% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £132,914.39 payable over 10 years initially on a variable rate of 5.94% for 3 years and then on our current standard variable rate of 8.64% for the remaining 7 years would require 36 monthly payments of £657.93 and 84 monthly payments of £956.91. The total amount payable would be £237,105.31 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £104,190.92. The overall cost for comparison is 7.9% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Buy to Let 3 Year Discounted Variable Rate – DIB20A

Term:3 Years 
Initial Rate^{1}:5.94% Variable 
Overall Cost for Comparison^{2}:7.9% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% in year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £132,914.39 payable over 10 years initially on a discounted variable rate of 5.94% for 3 years and then on our current standard variable rate of 8.64% for the remaining 7 years would require 36 monthly payments of £657.93 and 84 monthly payments of £956.91. The total amount payable would be £237,105.31 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £104,190.92. The overall cost for comparison is 7.9% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Buy to Let 3 Year Discounted Variable Rate – DIB17A

Term:3 Years 
Initial Rate^{1}:5.80% Variable 
Overall Cost for Comparison^{2}:8.8% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £125,347.43 payable over 20 years initially on a discounted variable rate of 5.80% for 3 years and then on our current standard variable rate of 8.64% for the remaining 17 years would require 36 monthly payments of £608.85 and 204 monthly payments of £902.43. The total amount payable would be £331,378.75 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £206,031.32. The overall cost for comparison is 8.8% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Family Buy to Let 3 Year Discounted Variable Rate – DIB07R

Term:3 Years 
Initial Rate^{1}:5.80% Variable 
Overall Cost for Comparison^{2}:7.8% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £132,914.39 payable over 10 years initially on a variable rate of 5.80% for 3 years and then on our current standard variable rate of 8.64% for the remaining 17 years would require 36 monthly payments of £642.42 and 84 monthly payments of £956.91. The total amount payable would be £236,546.95 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £103,632.56. The overall cost for comparison is 7.8% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:27 August 2024
Family Buy to Let 3 Year Fixed Rate – XIB31A

Term:3 Years 
Initial Rate^{1}:5.99% 
Overall Cost for Comparison^{2}:7.9% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £132,914.39 payable over 10 years initially on a fixed rate of 5.99% for 3 years and then on our current standard variable rate of 8.64% for the remaining 7 years would require 36 monthly payments of £663.46 and 84 monthly payments of £956.91. The total amount payable would be £237,304.39 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £104,390.00. The overall cost for comparison is 7.9% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:27 August 2024
Buy to Let 3 Year Fixed Rate – XIB30A

Term:3 Years 
Initial Rate^{1}:5.79% 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £125,347.43 payable over 20 years initially on a fixed rate of 5.79% for 3 years and then on our current standard variable rate of 8.64% for the remaining 17 years would require 36 monthly payments of £604.80 and 204 monthly payments of £902.43. The total amount payable would be £331,340.95 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £205,993.52. The overall cost for comparison is 8.2% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:29 July 2024
Limited Company Buy to Let 5 Year Fixed Rate – XIB27A

Term:5 Years 
Initial Rate^{1}:6.99% 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:65% 
Early Repayment Change:3% in Years 13, 2% in Year 4, 1% in Year 5 
Product Fees:None 

Representative Example:A mortgage of £127,984.22 payable over 20 years initially on a fixed rate of 6.99% for 5 years and then on our current standard variable rate of 8.89% for the remaining 15 years would require 60 monthly payments of £745.51 and 180 monthly payments of £948.02. The total amount payable would be £343,483.42 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £215,499.20. The overall cost for comparison is 8.4% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Credit Repair (4) 

Last Updated:30 August 2024
Credit Repair – 2 Year Fixed Rate – RCX004

Term:2 years 
Initial Rate^{1}:6.99% 
Overall Cost for Comparison^{2}:8.8% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Credit Repair – 2 Year Fixed Rate – RCX003

Term:2 years 
Initial Rate^{1}:7.09% 
Overall Cost for Comparison^{2}:8.6% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:30 August 2024
Credit Repair – 2 Year Discounted Variable Rate – RCV004

Term:2 years 
Initial Rate^{1}:6.50% variable 
Overall Cost for Comparison^{2}:8.5% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Credit Repair – 2 Year Discounted Variable Rate – RCV003

Term:2 years 
Initial Rate^{1}:6.60% variable 
Overall Cost for Comparison^{2}:8.6% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Expat Buy to Let (1) 

Last Updated:22 October 2024
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093

Term:2 years 
Initial Rate^{1}:5.73% variable 
Overall Cost for Comparison^{2}:8.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Family Buy to Let (2) 

Last Updated:22 October 2024
Family Buy to Let 2 Year Discounted Variable Rate – DIB092

Term:2 years 
Initial Rate^{1}:5.54% variable 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
Family Buy to Let Fixed Rate until 30 November 2029 – XIB062

Term:Fixed until 30 November 2029 
Initial Rate^{1}:5.59% 
Overall Cost for Comparison^{2}:7.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% until 30 November 2027, then 2% until 30 November 2028 and then 1% until 30 November 2029 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Holiday Buy to Let (3) 

Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095

Term:2 years 
Initial Rate^{1}:5.99% variable 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094

Term:2 years 
Initial Rate^{1}:5.40% variable 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, 2% completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087

Term:2 years 
Initial Rate^{1}:5.74% variable 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £1,499 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Residential Further Advance Mortgages (5) 

Last Updated:16 September 2024
Further Advance Residential 2 Year Discounted Variable Rate – DDF014

Term:2 Years 
Initial Rate^{1}:5.30% Variable 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:Up to 90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:16 September 2024
Further Advance: Residential Discounted Variable Rate For Mortgage Term – DDF013

Term:Duration of the mortgage term 
Initial Rate^{1}:6.90% Variable 
Overall Cost for Comparison^{2}:7.3% APRC 
MAX LTV^{3}:90% 
Early Repayment Change:None 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:16 September 2024
Further Advance Versatility – 2 Year Discounted Variable Rate – CPDF05

Term:2 Years 
Initial Rate^{1}:6.14% Variable 
Overall Cost for Comparison^{2}:8.6% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:16 September 2024
Further Advance Residential 2 Year Fixed Rate – DXF014

Term:2 Years 
Initial Rate^{1}:5.39% 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:16 September 2024
Further Advance Versatility – 2 Year Fixed Rate – CPXF06

Term:2 Years 
Initial Rate^{1}:6.49% 
Overall Cost for Comparison^{2}:8.5% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£150 Completion Fee 

Representative Example:
A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Residential Product Transfers (8) 

Last Updated:10 September 2024
Versatility – 2 Year Discounted Variable Rate – CPDR05

Term:2 Years 
Initial Rate^{1}:6.14% Variable 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:None 

Representative Example:A mortgage of £165,886.90 payable over 15 years initially on a variable rate, currently 6.14% for 2 years and then on our current standard variable rate of 8.64% for the remaining 13 years would require 24 monthly payments of £1412.43 and 156 monthly payments of £1619.94. The total amount payable would be £286,733.96 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £120,847.06. The overall cost for comparison is 8.2% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Residential 3 Year Discounted Variable Rate – DID78A

Term:3 Years 
Initial Rate^{1}:5.78% Variable 
Overall Cost for Comparison^{2}:8.1% APRC 
MAX LTV^{3}:Over 85% and up to 95% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £176,843.52 payable over 26 years initially on a discounted variable rate of 5.78% for 3 years and then on our current standard variable rate of 8.64% for the remaining 23 years would require 36 monthly payments of £1096.70 and 276 monthly payments of £1396.90. The total amount payable would be £425,150.60 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £248,307.08. The overall cost for comparison is 8.1% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:30 August 2024
Residential 3 Year Discounted Variable Rate – DID77A

Term:3 Years 
Initial Rate^{1}:5.30% Variable 
Overall Cost for Comparison^{2}:8.1% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £91,021.63 payable over 35 years initially on a discounted variable rate of 5.30% for 3 years and then on our current standard variable rate of 8.64% for the remaining 32 years would require 36 monthly payments of £476.94 and 384 monthly payments of £677.41. The total amount payable would be £277,420.28 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £186,398.65. The overall cost for comparison is 8.1% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:10 September 2024
Shared Ownership 3 Year Fixed Rate – SX10P

Term:3 Years 
Initial Rate^{1}:5.75% 
Overall Cost for Comparison^{2}:8.1% APRC 
MAX LTV^{3}:95% of the share owned, 75% property value 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £71,927.68 payable over 30 years initially on a fixed rate of 5.75% for 3 years and then on our current standard variable rate of 8.64% for the remaining 27 years would require 36 monthly payments of £419.75 and 324 monthly payments of £550.51. The total amount payable would be £193,601.24 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £121,673.56. The overall cost for comparison is 8.1% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:10 September 2024
Residential 3 Year Fixed Rate – DIX73A

Term:3 Years 
Initial Rate^{1}:4.99% 
Overall Cost for Comparison^{2}:8.0% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £91,021.63 payable over 35 years initially on a fixed rate of 4.99% for 3 years and then on our current standard variable rate of 8.64% for the remaining 32 years would require 36 monthly payments of £458.79 and 384 monthly payments of £675.91. The total amount payable would be £276,190.88 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £185,169.25. The overall cost for comparison is 8.0% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:10 September 2024
Residential 2 Year Fixed Rate – DIX66A

Term:2 Years 
Initial Rate^{1}:5.39% 
Overall Cost for Comparison^{2}:8.4% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:None 

Representative Example:A mortgage of £91,021.63 payable over 35 years initially on a fixed rate of 5.39% for 2 years and then on our current standard variable rate of 8.64% for the remaining 33 years would require 24 monthly payments of £482.26 and 396 monthly payments of £681.74. The total amount payable would be £281,668.28 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £190,646.65. The overall cost for comparison is 8.4% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:10 September 2024
Residential 3 Year Fixed Rate – DIX64A

Term:3 Years 
Initial Rate^{1}:5.85% 
Overall Cost for Comparison^{2}:8.1% APRC 
MAX LTV^{3}:Over 85% and up to 95% 
Early Repayment Change:3% in Year 1, 2% in Year 2, 1% in Year 3 
Product Fees:None 

Representative Example:A mortgage of £176,843.52 payable over 26 years initially on a fixed rate of 5.85% for 3 years and then on our current standard variable rate of 8.64% for the remaining 23 years would require 36 monthly payments of £1104.28 and 276 monthly payments of £1397.70. The total amount payable would be £425,644.28 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £248,800.76. The overall cost for comparison is 8.1% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.


Last Updated:10 September 2024
Versatility – 2 Year Fixed Rate – CPXR10

Term:2 Years 
Initial Rate^{1}:6.49% 
Overall Cost for Comparison^{2}:8.3% APRC 
MAX LTV^{3}:85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:None 

Representative Example:A mortgage of £165,886.90 payable over 15 years initially on a fixed rate of 6.49% for 2 years and then on our current standard variable rate of 8.64% for the remaining 13 years would require 24 monthly payments of £1,444.14 and 156 monthly payments of £1,623.95. The total amount payable would be £288,120.56 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £122,233.66. The overall cost for comparison is 8.3% APRC representative. A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Residential Purchase (9) 

Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168

Term:2 years 
Initial Rate^{1}:5.28% variable 
Overall Cost for Comparison^{2}:6.6% APRC 
MAX LTV^{3}:75% (70% for loans over £750,000 and under £1m) 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, 0.50% completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:4 October 2024
2 Year Discounted Variable Rate House Purchase Only – DID167

Term:2 years 
Initial Rate^{1}:6.40% variable 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:over 90% and up to 95% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166

Term:2 years 
Initial Rate^{1}:6.00% variable 
Overall Cost for Comparison^{2}:7.1% APRC 
MAX LTV^{3}:over 80% and up to 90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:27 August 2024
House Purchase Only Fixed Rate until 30 November 2029 – DIX279

Term:Fixed until 30 November 2029 
Initial Rate^{1}:5.79% 
Overall Cost for Comparison^{2}:6.7% APRC 
MAX LTV^{3}:Up to 95% LTV 
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:27 August 2024
Remortgage Only Fixed Rate until 30 November 2029 – DIX278

Term:Fixed until 30 November 2029 
Initial Rate^{1}:5.59% 
Overall Cost for Comparison^{2}:6.7% APRC 
MAX LTV^{3}:Up to 90% LTV 
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:27 August 2024
House Purchase Only 2 Year Fixed Rate – DIX277

Term:2 years 
Initial Rate^{1}:6.19% 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:Over 90% and up to 95% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:27 August 2024
2 Year Fixed Rate – DIX276

Term:2 years 
Initial Rate^{1}:5.79% 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:Over 80% and up to 90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:27 August 2024
2 Year Fixed Rate – DIX275

Term:2 years 
Initial Rate^{1}:5.29% 
Overall Cost for Comparison^{2}:6.9% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169

Term:2 years 
Initial Rate^{1}:5.65% variable 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Residential Remortgage (5) 

Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168

Term:2 years 
Initial Rate^{1}:5.28% variable 
Overall Cost for Comparison^{2}:6.6% APRC 
MAX LTV^{3}:75% (70% for loans over £750,000 and under £1m) 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, 0.50% completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166

Term:2 years 
Initial Rate^{1}:6.00% variable 
Overall Cost for Comparison^{2}:7.1% APRC 
MAX LTV^{3}:over 80% and up to 90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:27 August 2024
2 Year Fixed Rate – DIX276

Term:2 years 
Initial Rate^{1}:5.79% 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:Over 80% and up to 90% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:27 August 2024
2 Year Fixed Rate – DIX275

Term:2 years 
Initial Rate^{1}:5.29% 
Overall Cost for Comparison^{2}:6.9% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169

Term:2 years 
Initial Rate^{1}:5.65% variable 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Shared Ownership (2) 

Last Updated:27 August 2024
Shared Ownership Fixed Rate until 30 November 2029 – SX038

Term:Until 30 November 2029 
Initial Rate^{1}:5.49% 
Overall Cost for Comparison^{2}:6.6% APRC 
MAX LTV^{3}:95% of the share being purchased, 75% property value 
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028, 1% until 30 November 2029 
Product Fees:None 

Representative Example:A mortgage of £127,500.00 payable over 38 years initially on a fixed rate of 5.49% until 30 November 2029 then on our followon rate of a 1.74% discount off our standard variable rate (currently 8.64%) giving a rate of 6.90% variable for the remaining 32 years 9 months would require 62 monthly payments of £666.89 and 393 monthly payments of £780.77; plus one initial interest payment of £573.75. The total amount payable would be £349,263.54 made up of the loan amount, plus interest and fee(s) totalling £221,763.54. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 6.6% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Last Updated:27 August 2024
Shared Ownership 2 Year Fixed Rate – SX037

Term:2 years 
Initial Rate^{1}:5.99% 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:95% of the share being purchased, 75% property value 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:None 

Representative Example:A mortgage of £101,412.00 payable over 26 years initially on a fixed rate of 5.99% for 2 years then on our followon rate of a 1.74% discount off our standard variable rate (currently 8.64%) giving a rate of 6.90% variable for the remaining 24 years would require 23 monthly payments of £642.86 and 288 monthly payments of £697.89; plus one initial interest payment of £497.92. The total amount payable would be £216,776.02 made up of the loan amount, plus interest and fee(s) totalling £115,364.02. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 7.0% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. 

Standard Buy to Let (7) 

Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096

Term:2 years 
Initial Rate^{1}:5.70% variable 
Overall Cost for Comparison^{2}:8.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093

Term:2 years 
Initial Rate^{1}:5.73% variable 
Overall Cost for Comparison^{2}:8.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
Family Buy to Let 2 Year Discounted Variable Rate – DIB092

Term:2 years 
Initial Rate^{1}:5.54% variable 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
2 Year Discounted Variable Rate Buy to Let – DIB091

Term:2 years 
Initial Rate^{1}:5.34% variable 
Overall Cost for Comparison^{2}:8.2% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £1,499 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071

Term:2 years 
Initial Rate^{1}:4.94% variable 
Overall Cost for Comparison^{2}:8.5% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, 2.50% completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
Family Buy to Let Fixed Rate until 30 November 2029 – XIB062

Term:Fixed until 30 November 2029 
Initial Rate^{1}:5.59% 
Overall Cost for Comparison^{2}:7.3% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% until 30 November 2027, then 2% until 30 November 2028 and then 1% until 30 November 2029 
Product Fees:£199 application fee, £999 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:22 October 2024
Buy to Let Fixed Rate until 30 November 2029 – XIB061

Term:Fixed until 30 November 2029 
Initial Rate^{1}:5.39% 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:75% 
Early Repayment Change:3% until 30 November 2027, then 2% until 30 November 2028 and then 1% until 30 November 2029 
Product Fees:£199 application fee, £1,499 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Versatility (10) 

Last Updated:7 November 2024
Versatility – 2 Year Discounted Variable Rate – MPDV15

Term:2 years 
Initial Rate^{1}:6.40% variable 
Overall Cost for Comparison^{2}:7.1% APRC 
MAX LTV^{3}:Over 80% and up to 85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:7 November 2024
Versatility – 2 Year Discounted Variable Rate – MPDV14

Term:2 years 
Initial Rate^{1}:5.95% variable 
Overall Cost for Comparison^{2}:7.0% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in year one, followed by 1% in year two 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Credit Repair – 2 Year Fixed Rate – RCX004

Term:2 years 
Initial Rate^{1}:6.99% 
Overall Cost for Comparison^{2}:8.8% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Credit Repair – 2 Year Fixed Rate – RCX003

Term:2 years 
Initial Rate^{1}:7.09% 
Overall Cost for Comparison^{2}:8.6% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:30 August 2024
Credit Repair – 2 Year Discounted Variable Rate – RCV004

Term:2 years 
Initial Rate^{1}:6.50% variable 
Overall Cost for Comparison^{2}:8.5% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Credit Repair – 2 Year Discounted Variable Rate – RCV003

Term:2 years 
Initial Rate^{1}:6.60% variable 
Overall Cost for Comparison^{2}:8.6% APRC 
MAX LTV^{3}:70% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, No Completion Fee 

Representative Example:


Last Updated:30 August 2024
Versatility – 2 Year Fixed Rate – MPXV14

Term:2 years 
Initial Rate^{1}:6.39% 
Overall Cost for Comparison^{2}:7.1% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Versatility – 2 Year Fixed Rate – MPXV15

Term:2 years 
Initial Rate^{1}:6.79% 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:Over 80% and up to 85% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Versatility Plus – 2 Year Fixed Rate – CPXV14

Term:2 years 
Initial Rate^{1}:6.79% 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 application fee, £800 completion fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.


Last Updated:30 August 2024
Versatility Plus – 2 Year Discounted Variable Rate – CPDV15

Term:2 years 
Initial Rate^{1}:6.40% variable 
Overall Cost for Comparison^{2}:7.2% APRC 
MAX LTV^{3}:80% 
Early Repayment Change:2% in Year 1, 1% in Year 2 
Product Fees:£199 Application Fee, £800 Completion Fee 

Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

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 either revert to our Standard Variable Rate (SVR), or a followon rate that is a discount off our SVR. Our SVR is set by us and is currently 8.64%, as a variable rate it may go up or down. Our followon rate is 1.74% below our SVR (currently 6.90% variable) and will go up or down with changes to our SVR.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.Our intermediaries website is for use by authorised intermediaries only.
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