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First Homes Scheme 5 Year Fixed Rate House Purchase Only – DIX227

Term 5 years
Initial Rate1 4.29%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 95% of the discounted price
Early Repayment Charge 3%
Product Fees £199 application fee, no completion fee

A mortgage of £119,700.00 payable over 35 years initially on a fixed rate of 4.29% for 5 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 59 monthly payments of £551.59 and 360 monthly payments of £623.12 plus one initial interest payment of £436.13.

The total amount payable would be £258,002.14 made up of the loan amount, plus interest and fee(s) totalling £138,302.14. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

First Homes Scheme 2 Year Fixed Rate House Purchase Only – DIX226

Term 2 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 95% of the discounted price
Early Repayment Charge 2%
Product Fees £199 application fee

A mortgage of £119,700.00 payable over 35 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £529.86 and 396 monthly payments of £627.37 plus one initial interest payment of £405.64.

The total amount payable would be £261,729.94 made up of the loan amount, plus interest and fee(s) totalling £142,029.94. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Fixed Rate – House Purchase Only – DIX225

Term 2 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 Over 90% and up to 95%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £118,925 payable over 35 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £526.43 and 396 monthly payments of £623.38 plus one initial interest payment of £390.01.

The total amount payable would be £260,260.38 made up of the loan amount, plus interest and fee(s) totalling £141,335.38. 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 5.3% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX224

Term 3 years
Initial Rate1 3.49%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £137,250 payable over 32 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.35% for the remaining 29 years would require 35 monthly payments of £594.72 and 348 monthly payments of £736.53 plus one initial interest payment of £393.70.

The total amount payable would be £278,925.34 made up of the loan amount, plus interest and fee(s) totalling £141,675.34. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

2 Year Fixed Rate House Purchase Only – DIX223

Term 2 years
Initial Rate1 3.29%
Overall Cost For Comparison2 5.2% APRC
MAX LTV3 over 80% and up to 90%
Early Repayment Charge 2%
Product Fees £199 application fee, £800 completion fee

A mortgage of £145,306.00 payable over 37 years initially on a fixed rate of 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 35 years would require 23 monthly payments of £566.96 and 420 monthly payments of £745.05 plus one initial interest payment of £392.92.

The total amount payable would be £327,758.00 made up of the loan amount, plus interest and fee(s) totalling £182,452.00. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

Standard Buy to Let 5 Year Fixed Rate – XIB024

Term 5 years
Initial Rate1 2.74%
Overall Cost For Comparison2 4.2% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £102,000.00 payable over 10 years initially on a fixed rate of 2.74% for 5 years and then on our current standard variable rate of 5.35% for the remaining 5 years would require 59 monthly payments of £232.90 and 60 monthly payments of £454.73 plus one initial interest payment of £237.37.

The total amount payable would be £145,335.27 made up of the loan amount, plus interest and fee(s) totalling £43,335.27.  This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.2% APRC representative.

3 Year Discounted Rate Remortgage Only – DID148

Term 3 years
Initial Rate1 Currently 2.99%
Overall Cost For Comparison2 4.9% APRC
MAX LTV3 over 80% and up to 85%
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £140,000 payable over 25 years initially on a variable rate, currently 2.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £664.66 and 264 monthly payments of £828.96 plus one initial interest payment of £344.05.

The total amount payable would be £243,601.59 made up of the loan amount, plus interest and fee(s) totalling £103,601.59. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.9% APRC representative.

2 Year Discounted Rate House Purchase Only – DID147

Term 2 years
Initial Rate1 Currently 2.99%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 over 80% and up to 90%
Early Repayment Charge 2%
Product Fees £199 application fee, £800 completion fee

A mortgage of £114,750 payable over 19 years initially on a variable rate, currently 2.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 23 monthly payments of £662.48 and 204 monthly payments of £791.21 plus one initial interest payment of £282.00.

The total amount payable would be £178,329.88 made up of the loan amount, plus interest and fee(s) totalling £63,579.88. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Holiday Buy to Let 5 Year Fixed Rate – XIB025

Term 5 years
Initial Rate1 3.85%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 70%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £134,476.00 payable over 25 years initially on a fixed rate of 3.85% for 5 years and then on our current standard variable rate of 5.35% for the remaining 20 years would require 59 monthly payments of £431.44 and 240 monthly payments of £599.58; plus one initial interest payment of £425.53

The total amount payable would be £306,384.69 made up of the loan amount, plus interest and fee(s) totalling £171,908.69.  This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB060

Term 2 years
Initial Rate1 Currently 3.49%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 70%
Early Repayment Charge 2%
Product Fees £199 application fee, £800 completion fee

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 3.49% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £363.54 and 336 monthly payments of £557.32 plus one initial interest payment of £358.56.

The total amount payable would be £322,383.50 made up of the loan amount, plus interest and fee(s) totalling £197,383.50.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB059

Term 2 years
Initial Rate1 Currently 2.95%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 70%
Early Repayment Charge 2%
Product Fees £199 application fee, 1.25% completion fee

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 2.95% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £307.29 and 336 monthly payments of £557.31 plus one initial interest payment of £303.08.

The total amount payable would be £321,793.41 made up of the loan amount, plus interest and fee(s) totalling £196,793.41.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,562.50) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

Standard Buy to Let 3 Year Discounted Rate – DIB061

Term 3 years
Initial Rate1 Currently 2.79%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £250,000.00 payable over 25 years initially on a variable rate, currently 2.79% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £581.25 and 264 monthly payments of £1,114.53 plus one initial interest payment of £590.78.

The total amount payable would be £567,666.45 made up of the loan amount, plus interest and fee(s) totalling £317,666.45. This includes Application Fee (£199), Valuation Fee (£592), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

3 Year Discounted Rate – DID145

Term 3 years
Initial Rate1 Currently 2.29%
Overall Cost For Comparison2 4.7% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £120,000.00 payable over 15 years initially on a variable rate, currently 2.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 35 monthly payments of £229.00 and 144 monthly payments of £535.04 plus one initial interest payment of £225.86.

The total amount payable would be £206,190.62 made up of the loan amount, plus interest and fee(s) totalling £86,190.62. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

2 Year Discounted Rate – DID151

Term 2 years
Initial Rate1 Currently 2.59%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £44,000.00 payable over 11 years initially on a variable rate, currently 2.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 9 years would require 23 monthly payments of £94.97 and 108 monthly payments of £196.16 plus one initial interest payment of £96.52.

The total amount payable would be £68,370.11 made up of the loan amount, plus interest and fee(s) totalling £24,370.11. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Limited Company Buy to Let 2 Year Discounted Rate – DIB062

Term 2 years
Initial Rate1 Currently 3.29%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, £1,800 completion fee

A mortgage of £125,000.00 payable over 24 years initially on a variable rate, currently 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 23 monthly payments of £342.71 and 264 monthly payments of £557.26 plus one initial interest payment of £348.33.

The total amount payable would be £282,751.30 made up of the loan amount, plus interest and fee(s) totalling £157,751.30. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

Limited Company Buy to Let 2 Year Discounted Rate – DIB055

Term 2 years
Initial Rate1 Currently 3.59%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 65%
Early Repayment Charge 2%
Product Fees £199 application fee, £1,800 completion fee

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 3.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £373.96 and 336 monthly payments of £557.32 plus one initial interest payment of £368.84.

The total amount payable would be £323,633.44 made up of the loan amount, plus interest and fee(s) totalling £198,633.44.  This includes: Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

2 Year Discounted Rate Remortgage Only – DID146

Term 2 years
Initial Rate1 Currently 2.35%
Overall Cost For Comparison2 4.4% APRC
MAX LTV3 75% (70% for loans over £750,000 and under £1m)
Early Repayment Charge 2%
Product Fees £199 application fee, 0.50% completion fee

A mortgage of £900,000.00 payable over 10 years initially on a variable rate, currently 2.35% for 2 years and then on our current standard variable rate of 5.35% for the remaining 8 years would require 23 monthly payments of £8,485.84 and 96 monthly payments of £9,517.99 plus one initial interest payment of £1,738.36.

The total amount payable would be £1,115,488.72 made up of the loan amount, plus interest and fee(s) totalling £215,488.72. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£4,500) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.4% APRC representative.

Family Buy to Let 2 Year Discounted Rate – DIB052

Term 2 years
Initial Rate1 Currently 3.15%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, 1% completion fee

A mortgage of £85,000.00 payable over 35 years initially on a variable rate, currently 3.15% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £223.13 and 396 monthly payments of £378.97 plus one initial interest payment of £220.07.

The total amount payable would be £242,047.18 made up of the loan amount, plus interest and fee(s) totalling £157,047.18.  This includes Application Fee (£199), Legal Fees (£255), Valuation Fee (£169), Chaps Fee (£25), Completion Fee (£850) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Discounted Rate – DID150

Term 2 years
Initial Rate1 Currently 2.19%
Overall Cost For Comparison2 4.4% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £325,000.00 payable over 11 years initially on a variable rate, currently 2.19% for 2 years and then on our current standard variable rate of 5.35% for the remaining 9 years would require 23 monthly payments of £2,791.54 and 108 monthly payments of £3,195.14 plus one initial interest payment of £602.85.

The total amount payable would be £410,787.39 made up of the loan amount, plus interest and fee(s) totalling £85,787.39. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.4% APRC representative.

Expat Consumer Buy to Let 2 Year Discounted Rate – DIB051

Term 2 years
Initial Rate1 Currently 3.29%
Overall Cost For Comparison2 5.2% APRC
MAX LTV3 70%
Early Repayment Charge 2%
Product Fees £199 application fee, no completion fee

A mortgage of £50,000.00 payable over 15 years initially on a variable rate, currently 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 13 years would require 23 monthly payments of £137.08 and 156 monthly payments of £222.93 plus one initial interest payment of £135.21.

The total amount payable would be £88,669.13 made up of the loan amount, plus interest and fee(s) totalling £38,669.13.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

2 Year Discounted Rate – CPDV09 (Versatility 4)

Term 2 years
Initial Rate1 Currently 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £280,000.00 payable over 25 years initially on a variable rate, currently 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 23 years would require 23 monthly payments of £1,479.28 and 276 monthly payments of £1,683.14 plus one initial interest payment of £918.25

The total amount payable would be £501,438.33 made up of the loan amount, plus interest and fee(s) totalling £221,438.33.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Discounted Rate – CPDV08 (Versatility 3)

Term 2 years
Initial Rate1 Currently 3.59%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £ 116,000.00 payable over 30 years initially on a variable rate, currently 3.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £527.55 and 336 monthly payments of £642.09 plus one initial interest payment of £342.28.

The total amount payable would be £229,990.17 made up of the loan amount, plus interest and fee(s) totalling £113,990.17.  This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

3 Year Fixed Rate – MPXV02 (Versatility 2)

Term 3 years
Initial Rate1 4.29%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £105,000.00 payable over 33 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 35 monthly payments of £496.68 and 360 monthly payments of £561.20 plus one initial interest payment of £370.23.

The total amount payable would be £221,558.03 made up of the loan amount, plus interest and fee(s) totalling £116,558.03.  This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – CPXV03 (Versatility 3)

Term 3 years
Initial Rate1 4.59%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £225,000.00 payable over 25 years initially on a fixed rate of 4.59% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £1,264.40 and 264 monthly payments of £1,354.55 plus one initial interest payment of £848.84.

The total amount payable would be £404,654.04 made up of the loan amount, plus interest and fee(s) totalling £179,654.04.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – CPXV04 (Versatility 4)

Term 3 years
Initial Rate1 4.99%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £104,878.00 payable over 25 years initially on a fixed rate of 4.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £613.53 and 264 monthly payments of £633.75 plus one initial interest payment of £430.14.

The total amount payable would be £191,163.69 made up of the loan amount, plus interest and fee(s) totalling £86,285.69.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate – MPDV04 (Versatility 2)

Term 2 years
Initial Rate1 Currently 3.39%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £150,000.00 payable over 25 years initially on a variable rate, currently 3.39% for 2 years and then on our current standard variable rate of 5.35% for the remaining 23 years would require 23 monthly payments of £743.69 and 276 monthly payments of £898.00 plus one initial interest payment of £417.95.

The total amount payable would be £267,841.82 made up of the loan amount, plus interest and fee(s) totalling £117,841.82. This includes Application Fee (£199), Valuation Fee (£868), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

3 Year Fixed Rate – MPXV01 (Versatility 1)

Term 3 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 85%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £105,000.00 payable over 33 years initially on a fixed rate of 3.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 35 monthly payments of £477.92 and 360 monthly payments of £559.76 plus one initial interest payment of £344.34.

The total amount payable would be £220,357.14 made up of the loan amount, plus interest and fee(s) totalling £115,357.14. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

2 Year Discounted Rate – MPDV03 (Versatility 1)

Term 2 years
Initial Rate1 Currently 3.09%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 85%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £328,000.00 payable over 30 years initially on a variable rate, currently 3.09% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £1,401.20 and 336 monthly payments of £1,809.61 plus one initial interest payment of £833.03.

The total amount payable would be £643,075.59 made up of the loan amount, plus interest and fee(s) totalling £315,075.59. This includes: Application Fee (£199), Valuation Fee (£383), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Retirement Interest Only (RIO) 5 Year Discounted Rate DRI001

Term 5 years
Initial Rate1 Currently 2.59%
Overall Cost For Comparison2 4.8% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge NIL
Product Fees £199 application fee, £800 completion fee

A mortgage of £142,000.00 payable over 40 years initially on a variable rate, currently 2.59% for 5 years and then on our current standard variable rate of 5.35% for the remaining 35 years would require 59 monthly payments of £306.48 and 420 monthly payments of £633.11 plus one initial interest payment of £302.28.

The total amount payable would be £428,172.80 made up of the loan amount, plus interest and fee(s) totalling £286,172.80. This includes Application Fee (£199), Valuation Fee (£383), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.8% APRC representative.

Retirement Interest Only (RIO) 3 Year Fixed Rate XRI001

Term 3 years
Initial Rate1 3.35%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £100,000.00 payable over 10 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.35% for the remaining 7 years would require 35 monthly payments of £279.17 and 84 monthly payments of £445.88 plus one initial interest payment of £275.34.

The total amount payable would be £149,510.21 made up of the loan amount, plus interest and fee(s) totalling £49,510.21. This includes Application Fee (£199), Valuation Fee (£511), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

Shared Ownership 2 Year Fixed Rate – SX-020

Term 2 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 95% of the share being purchased, 75% property value
Early Repayment Charge 2%
Product Fees £199 application fee

A mortgage of £96,000 payable over 40 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 38 years would require 23 monthly payments of £400.96 and 456 monthly payments of £482.84 plus one initial interest payment of £314.83.

The total amount payable would be £230,410.95 made up of the loan amount, plus interest and fee(s) totalling £134,410.95. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

Family Assist 5 Year Fixed Rate – House Purchase Only – XFM001

Term 5 years
Initial Rate1 3.89%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 100%
Early Repayment Charge 3%
Product Fees £199 application fee, no completion fee

A mortgage of £101,000.00 payable over 35 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 59 monthly payments of £441.06 and 360 monthly payments of £522.84 plus one initial interest payment of £322.92.

The total amount payable would be £215,435.86 made up of the loan amount, plus interest and fee(s) totalling £114,435.86. 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 5.0% APRC representative.

Holiday Buy to Let 3 Year Discounted Rate – DIB064

Term 3 years
Initial Rate1 Currently 3.19%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 70%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £452,200.00 payable over 25 years initially on a variable rate, currently 3.19% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £1,202.10 and 264 monthly payments of £2,016.25; plus one initial interest payment of £1,185.63

The total amount payable would be £1,030,164.13 made up of the loan amount, plus interest and fee(s) totalling £577,964.13.  This includes Application Fee (£199), Valuation Fee (£511), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Standard Buy to Let 3 Year Discounted Rate – DIB037

Term 3 years
Initial Rate1 Currently 3.25%
Overall Cost For Comparison2 5.2% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,800 completion fee

A mortgage of £129,109.00 payable over 20 years initially on a variable rate, currently 3.25% for 3 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 35 monthly payments of £349.67 and 204 monthly payments of £575.67 plus one initial interest payment of £344.88.

The total amount payable would be £261,727.01 made up of the loan amount, plus interest and fee(s) totalling £132,618.01.  This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

Family Buy to Let 3 Year Discounted Rate – DIB047

Term 3 year
Initial Rate1 Currently 3.25%
Overall Cost For Comparison2 5.2% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,800 completion fee

A mortgage of £129,109.00 payable over 20 years initially on a variable rate, currently 3.25% for 3 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 35 monthly payments of £349.67 and 204 monthly payments of £575.67 plus one initial interest payment of £344.88.

The total amount payable would be £261,727.01 made up of the loan amount, plus interest and fee(s) totalling £132,618.01. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

Family Assist 3 Year Discounted Rate – House Purchase Only – DFM001

Term 3 years
Initial Rate1 Currently 3.05%
Overall Cost For Comparison2 4.8% APRC
MAX LTV3 100%
Early Repayment Charge 3%
Product Fees £199 application fee, no completion fee

A mortgage of £110,000.00 payable over 18 years initially on a variable rate, currently 3.05% for 3 years and then on our current standard variable rate of 5.35% for the remaining 15 years would require 35 monthly payments of £664.72 and 180 monthly payments of £776.22 plus one initial interest payment of £275.75.

The total amount payable would be £164,128.55 made up of the loan amount, plus interest and fee(s) totalling £54,128.55. 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 4.8% APRC representative.

3 Year Fixed Rate – DIX218

Term 3 years
Initial Rate1 3.49%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £499 completion fee

A mortgage of £100,000.00 payable over 22 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.35% for the remaining 19 years would require 35 monthly payments of £544.53 and 228 monthly payments of £634.33 plus one initial interest payment of £286.85.

The total amount payable would be £165,075.64 made up of the loan amount, plus interest and fee(s) totalling £65,075.64. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

Help to Buy Equity Loan Scheme 3 Year Discounted Rate – SEOD08

Term 3 years
Initial Rate1 Currently 2.75%
Overall Cost For Comparison2 4.9% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £273,750.00 payable over 34 years initially on a variable rate, currently 2.75% for 3 years and then on our current standard variable rate of 5.35% for the remaining 31 years would require 35 monthly payments of £1,035.06 and 372 monthly payments of £1,427.18 plus one initial interest payment of £618.75.

The total amount payable would be £569,602.81 made up of the loan amount, plus interest and fee(s) totalling £295,852.81. This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.9% APRC representative.

2 Year Fixed Rate – DIX222

Term 2 years
Initial Rate1 2.79%
Overall Cost For Comparison2 4.7% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £180,000.00 payable over 10 years initially on a fixed rate of 2.79% for 2 years and then on our current standard variable rate of 5.35% for the remaining 8 years would require 23 monthly payments of £1,733.24 and 96 monthly payments of £1,910.82 plus one initial interest payment of £425.36.

The total amount payable would be £225,331.60 made up of the loan amount, plus interest and fee(s) totalling £45,331.60. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

Standard Buy to Let 3 Year Fixed Rate – XIB022

Term 3 years
Initial Rate1 3.29%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £102,000.00 payable over 10 years initially on a fixed rate of 3.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 7 years would require 35 monthly payments of £279.65 and 84 monthly payments of £454.72 plus one initial interest payment of £284.23.

The total amount payable would be £152,341.46 made up of the loan amount, plus interest and fee(s) totalling £50,341.46. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

Consumer Buy to Let 3 Year Fixed Rate – Remortgage Only – XIB020

Term 3 years
Initial Rate1 2.74%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £1,300 completion fee

A mortgage of £134,476.00 payable over 25 years initially on a fixed rate of 2.74% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £307.05 and 264 monthly payments of £599.59 plus one initial interest payment of £302.85.

The total amount payable would be £305,881.36 made up of the loan amount, plus interest and fee(s) totalling £171,405.36. This includes Application Fee (£199), Re-mortgage Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

3 Year Discounted Rate – DID144

Term 3 years
Initial Rate1 Currently 1.99%
Overall Cost For Comparison2 4.7% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £263,996.00 payable over 30 years initially on a variable rate, currently 1.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 27 years would require 35 monthly payments of £976.45 and 324 monthly payments of £1,428.63 plus one initial interest payment of £431.80.

The total amount payable would be £498,387.67 made up of the loan amount, plus interest and fee(s) totalling £234,391.67. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

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 5.35%, 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.

Your home may be repossessed if you do not keep up repayments on your mortgage

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