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Our residential remortgage lending is available on properties in England, Wales and Scotland (subject to postcode restrictions in Scotland).
We can offer remortgage with capital raising up to 90% LTV and debt consolidation up to 85% LTV with a maximum loan size of £400,000. Capital raising can be used to help borrowers with a range of options:
- To fund home improvements
- To gift a loved one a deposit on a house
- To transfer equity following a relationship breakdown
Our capital raising and debt consolidation lending is available with our flexible and versatile criteria such as later life lending and interest only, including property downsizing as the repayment strategy.
All mortgage applications are assessed on a case by case basis by our mortgage team without the use of automated credit scoring systems. We can also accommodate a range of complex credit criteria, download our Specialist Lending Criteria guide to find out more.
You can view our range of products, check affordability and see case studies below.
We have 7 products available
Remortgage Only Fixed Rate until 31 August 2029 – DIX269
| Term | Fixed until 31 August 2029 |
| Initial Rate1 | 5.79% |
| Overall Cost For Comparison2 | 6.8% APRC |
| MAX LTV3 | Up to 90% LTV |
| Early Repayment Charge | 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 |
| Product Fees | £199 Application Fee, No Completion Fee |
- The £199 Application Fee is non-refundable and payable at the point of application
2 Year Fixed Rate – DIX266
| Term | 2 years |
| Initial Rate1 | 5.89% |
| Overall Cost For Comparison2 | 7.3% APRC |
| MAX LTV3 | Over 80% and up to 90% |
| Early Repayment Charge | 2% in Year 1, 1% in Year 2 |
| Product Fees | £199 Application Fee, £800 Completion Fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,757.50 |
2 Year Fixed Rate – DIX262
| Term | 2 years |
| Initial Rate1 | 5.59% |
| Overall Cost For Comparison2 | 7.2% APRC |
| MAX LTV3 | 80% |
| Early Repayment Charge | 2% in Year 1, 1% in Year 2 |
| Product Fees | £199 Application Fee, £800 Completion Fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |
Retirement Interest Only (RIO) 5 Year Discounted Variable Rate DRI003
| Term | 5 years |
| Initial Rate1 | 5.89% variable |
| Overall Cost For Comparison2 | 7.0% APRC |
| MAX LTV3 | 55% (age 65+), 40% (up to age 65) |
| Early Repayment Charge | NIL |
| Product Fees | £199 application fee, £300 completion fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |
2 Year Discounted Variable Rate – DID169
| Term | 2 years |
| Initial Rate1 | 5.65% variable |
| Overall Cost For Comparison2 | 7.2% APRC |
| MAX LTV3 | 80% |
| Early Repayment Charge | 2% in Year 1, 1% in Year 2 |
| Product Fees | £199 application fee, £800 completion fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |
2 Year Discounted Variable Rate – DID166
| Term | 2 years |
| Initial Rate1 | 6.25% variable |
| Overall Cost For Comparison2 | 7.3% APRC |
| MAX LTV3 | over 80% and up to 90% |
| Early Repayment Charge | 2% in Year 1, 1% in Year 2 |
| Product Fees | £199 application fee, £800 completion fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |
2 Year Discounted Variable Rate – DID168
| Term | 2 years |
| Initial Rate1 | 5.53% variable |
| Overall Cost For Comparison2 | 7.1% APRC |
| MAX LTV3 | 75% (70% for loans over £750,000 and under £1m) |
| Early Repayment Charge | 2% in year one, followed by 1% in year two |
| Product Fees | £199 application fee, 0.50% completion fee |
- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage
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.
Fee Amount |
Rate |
Value of the fee with interest at 10 years |
Value of the fee with interest at 15 years |
Value of the fee with interest at 25 years |
| £1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |
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 follow-on rate that is a discount off our SVR. Our SVR is set by us and is currently 8.89%, as a variable rate it may go up or down. Our follow-on rate is 1.74% below our SVR and is currently 7.15% variable. Our follow-on rate 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.Your home may be repossessed if you do not keep up repayments on your mortgage
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