Date Printed: 8 December 2024
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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 Mortgages (9) |
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Last Updated:14 November 2024
Family Buy to Let Fixed Rate until 31 March 2030 – XIB063
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Term:Fixed until 31 March 2030 |
Initial Rate1:5.59% |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:75% |
Early Repayment Change:3% until 31 March 2028, then 2% until 31 March 2029 and then 1% until 31 March 2030 |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096
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Term:2 years |
Initial Rate1:5.70% variable |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
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Term:2 years |
Initial Rate1:5.99% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094
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Term:2 years |
Initial Rate1:5.40% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2% completion fee |
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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.
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Last Updated:22 October 2024
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093
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Term:2 years |
Initial Rate1:5.73% variable |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
Family Buy to Let 2 Year Discounted Variable Rate – DIB092
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Term:2 years |
Initial Rate1:5.54% variable |
Overall Cost for Comparison2:8.2% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Buy to Let – DIB091
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Term:2 years |
Initial Rate1:5.34% variable |
Overall Cost for Comparison2:8.2% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.74% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071
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Term:2 years |
Initial Rate1:4.94% variable |
Overall Cost for Comparison2:8.5% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2.50% completion fee |
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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.
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First Time Buyer (7) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (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 |
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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.
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Last Updated:4 October 2024
2 Year Discounted Variable Rate House Purchase Only – DID167
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Term:2 years |
Initial Rate1:6.40% variable |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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Representative Example:
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Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
House Purchase Only 2 Year Fixed Rate – DIX277
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Term:2 years |
Initial Rate1:6.19% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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Representative Example:
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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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.
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Holiday Lets (3) |
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
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Term:2 years |
Initial Rate1:5.99% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094
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Term:2 years |
Initial Rate1:5.40% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2% completion fee |
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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.
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Last Updated:22 October 2024
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.74% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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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.
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Interest Only (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (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 |
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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.
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Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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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.
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Moving Home (7) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (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 |
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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.
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Last Updated:4 October 2024
2 Year Discounted Variable Rate House Purchase Only – DID167
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Term:2 years |
Initial Rate1:6.40% variable |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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Representative Example:
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Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
House Purchase Only 2 Year Fixed Rate – DIX277
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Term:2 years |
Initial Rate1:6.19% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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Representative Example:
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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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.
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Remortgage (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (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 |
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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.
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Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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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.
|
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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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.
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Retirement (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
|
Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (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 |
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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.
|
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Last Updated:4 October 2024
2 Year Discounted Variable Rate – DID166
|
Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3: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 |
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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.
|
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3: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 |
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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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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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.
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Last Updated:1 August 2024
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 Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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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.
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Shared Ownership (2) |
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Last Updated:14 November 2024
Shared Ownership Fixed Rate until 31 March 2030 – SX-039
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Term:Until 31 March 2030 |
Initial Rate1:5.49% |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:3% until 31 March 2028, 2% until 31 March 2029, 1% until 31 March 2030 |
Product Fees:None |
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Representative Example:A mortgage of £86,685.00 payable over 30 years initially on a fixed rate of 5.49% until 31 March 2030 then on our follow-on 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 8 months would require 63 monthly payments of £492.18 and 296 monthly payments of £561.10; plus one initial interest payment of £403.09. The total amount payable would be £198,251.03 made up of the loan amount, plus interest and fee(s) totalling £111,566.03. 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. |
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Last Updated:27 August 2024
Shared Ownership 2 Year Fixed Rate – SX-037
|
Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:None |
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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 follow-on 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. |
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