Mortgage Products Term Initial Rate1 Overall Cost for Comparison2 MAX LTV3 Early Repayment Change Product Fees See Representative Example
2 Year Discounted Rate Remortgage Only – DID140 2 years Currently 2.75% 5.4% APRC 75% (70% for loans over £750,000 and under £1m) 2% £199 application fee, £1,300 completion fee

A mortgage of £600,000 payable over 35 years initially on a variable rate, currently 2.75% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £2,229.37 and 396 monthly payments of £3,270.99 plus one initial interest payment of £1,401.37.

The total amount payable would be £1,349,662.92 made up of the loan amount, plus interest and fee(s) totalling £749,662.92. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

Family Buy to Let 2 Year Discounted Rate – DIB052 2 years Currently 3.55% 5.7% APRC 75% 2% £199 application fee, 1% completion fee

A mortgage of £97,500.00 payable over 18 years initially on a variable rate, currently 3.55% for 2 years and then on our current standard variable rate of 5.75% for the remaining 16 years would require 23 monthly payments of £288.44 and 192 monthly payments of £467.16; plus one initial interest payment of £ 293.97.

The total amount payable would be £ 195,951.81 made up of the loan amount, plus interest and fee(s) totalling £98,451.81.  This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£975) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

Expat Consumer Buy to Let 2 Year Discounted Rate – DIB050 2 years Currently 2.95% 5.6% APRC 70% 2% £199 application fee, 1.25% completion fee

A mortgage of £84,000 payable over 25 years initially on a variable rate, currently 2.95% for 2 years and then on our current standard variable rate of 5.75% for the remaining 23 years would require 23 monthly payments of £206.50 and 276 monthly payments of £402.52 plus one initial interest payment of £203.67.

The total amount payable would be £201,727.69 made up of the loan amount, plus interest and fee(s) totalling £117,727.69. This includes Application Fee (£199), Legal Fees (£255), Completion Fee (£1,050), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB049 2 years Currently 3.69% 5.6% APRC 70% 2% £199 application fee, no completion fee

A mortgage of £279,270 payable over 25 years initially on a variable rate, currently 3.69% for 2 years and then on our current standard variable rate of 5.75% for the remaining 23 years would require 23 monthly payments of £858.76 and 276 monthly payments of £1,342.03 plus one initial interest payment of £113.25.

The total amount payable would be £670,164.01 made up of the loan amount, plus interest and fee(s) totalling £390,894.01. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Expat Buy to Let 2 Year Discounted Rate – DIB045 2 years Currently 2.95% 5.6% APRC 70% 2% £199 application fee, 1.25% completion fee

A mortgage of £297,500 payable over 25 years initially on a variable rate, currently 2.95% for 2 years and then on our current standard variable rate of 5.75% for the remaining 23 years would require 23 monthly payments of £731.35 and 276 monthly payments of £1,425.48 plus one initial interest payment of £745.38.

The total amount payable would be £712,846.91 made up of the loan amount, plus interest and fee(s) totalling £415,346.91. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£3,719) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate – DID139 2 years Currently 1.99% 4.3% APRC 80% 2% £199 application fee, £300 completion fee

A mortgage of £368,000 payable over 9 years initially on a variable rate, currently 1.99% for 2 years and then on our current standard variable rate of 5.75% for the remaining 7 years would require 23 monthly payments of £3,756.25 and 84 monthly payments of £4,264.38 plus one initial interest payment of £601.91.

The total amount payable would be £446,132.58 made up of the loan amount, plus interest and fee(s) totalling £78,132.58. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.3% APRC representative.

Expat Consumer Buy to Let 2 Year Discounted Rate – DIB051 2 years Currently 3.69% 5.6% APRC 70% 2% £199 application fee, no completion fee

A mortgage of £84,000 payable over 25 years initially on a variable rate, currently 3.69% for 2 years and then on our current standard variable rate of 5.75% for the remaining 23 years would require 23 monthly payments of £258.30 and 276 monthly payments of £402.52 plus one initial interest payment of £254.76.

The total amount payable would be £201,920.18 made up of the loan amount, plus interest and fee(s) totalling £117,920.18. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate – CPDV06 (Versatility 4) 2 years Currently 4.49% 5.8% APRC 75% 2% £199 application fee, £999 completion fee

A mortgage of £108,000 payable over 35 years initially on a variable rate, currently 4.49% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £510.95 and 396 monthly payments of £597.00 plus one initial interest payment of £53.32.

The total amount payable would be £250,039.17 made up of the loan amount, plus interest and fee(s) totalling £142,039.17. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – CPDV05 (Versatility 3) 2 years Currently 4.09% 5.8% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £75,400 payable over 29 years initially on a variable rate, currently 4.09% for 2 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 23 monthly payments of £370.87 and 324 monthly payments of £443.72 plus one initial interest payment of £33.91.

The total amount payable would be £154,126.20 made up of the loan amount, plus interest and fee(s) totalling £78,726.20. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

3 Year Fixed Rate – MPXV02 (Versatility 2) 3 years 4.29% 5.5% APRC 80% 3% £199 application fee, £999 completion fee

A mortgage of £424,000 payable over 23 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.75% for the remaining 20 years would require 35 monthly payments of £2,424.49 and 240 monthly payments of £2,739.20 plus one initial interest payment of £1544.87.

The total amount payable would be £745,867.02 made up of the loan amount, plus interest and fee(s) totalling £321,067.02. This includes Application Fee (£199), Valuation Fee (£429), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

3 Year Fixed Rate – CPXV03 (Versatility 3) 3 years 4.59% 5.7% APRC 80% 3% £199 application fee, £999 completion fee

A mortgage of £208,000 payable over 30 years initially on a fixed rate of 4.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £1,066.44 and 324 monthly payments of £1203.92 plus one initial interest payment of £810.86.

The total amount payable would be £430,100.34 made up of the loan amount, plus interest and fee(s) totalling £222,100.34. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

3 Year Fixed Rate – CPXV04 (Versatility 4) 3 years 4.99% 5.8% APRC 75% 3% £199 application fee, £999 completion fee

A mortgage of £145,000 payable over 29 years initially on a fixed rate of 4.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 26 years would require 35 monthly payments of £790.18 and 312 monthly payments of £852.97 plus one initial interest payment of £614.52.

The total amount payable would be £296,250.46 made up of the loan amount, plus interest and fee(s) totalling £151,250.46. This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

Shared Ownership 2 Year Discount – SO-016 2 years Currently 3.65% 5.6% APRC 95% of the share being purchased, 75% property value NIL £199 application fee

A mortgage of £60,800.00 payable over 30 years initially on a variable rate, currently 3.65% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £278.56 and 336 monthly payments of £351.10; plus one initial interest payment of £188.48.

The total amount payable would be £125,288.96 made up of the loan amount, plus interest and fee(s) totalling £64,488.96. This includes Application Fee (£199), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate – MPDV04 (Versatility 2) 2 years Currently 3.79% 5.6% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £103,635.00 payable over 18 years initially on a variable rate, currently 3.79% for 2 years and then on our current standard variable rate of 5.75% for the remaining 16 years would require 23 monthly payments of £664.79 and 192 monthly payments of £765.16 plus one initial interest payment of £43.17.

The total amount payable would be £164,097.06 made up of the loan amount, plus interest and fee(s) totaling £60,462.06. This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

3 Year Fixed Rate – MPXV01 (Versatility 1) 3 years 3.99% 5.4% APRC 85% 3% £199 application fee, £999 completion fee

A mortgage of £424,000 payable over 23 years initially on a fixed rate of 3.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 20 years would require 35 monthly payments of £2,355.07 and 240 monthly payments of £2,730.72 plus one initial interest payment of £1,436.84.

The total amount payable would be £741,294.09 made up of the loan amount, plus interest and fee(s) totalling £317,294.09. This includes Application Fee (£199), Valuation Fee (£429), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

2 Year Discounted Rate – MPDV03 (Versatility 1) 2 years Currently 3.49% 5.6% APRC 85% 2% £199 application fee, £999 completion fee

A mortgage of £103,635 payable over 18 years initially on a variable rate, currently 3.49% for 2 years and then on our current standard variable rate of 5.75% for the remaining 16 years would require 23 monthly payments of £649.01 and 192 monthly payments of £763.21 plus one initial interest payment of £39.75.

The total amount payable would be £163,356.30 made up of the loan amount, plus interest and fee(s) totalling £59,721.30. This includes Application Fee (£199), Valuation Fee (£225),
Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Shared Ownership 2 Year Fixed Rate – SX-015 2 years 3.89% 5.6% APRC 95% of the share being purchased, 75% property value 2% £199 application fee

A mortgage of £83,949.00 payable over 30 years initially on a fixed rate of 3.89% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £396.06 and 336 monthly payments of £485.55, plus one initial interest payment of £268.41.

The total amount payable would be £173,246.59 made up of the loan amount, plus interest and fee(s) totalling £89,297.59. This includes Application Fee (£199), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Shared Ownership 5 Year Fixed Rate – SX-016 5 years 4.49% 5.5% APRC 95% of the share being purchased, 75% property value 3% £199 application fee

A mortgage of £59,351.00 payable over 30 years initially on a fixed rate of 4.49% for 5 years and then on our current standard variable rate of 5.75% for the remaining 25 years would require 59 monthly payments of £300.77 and 300 monthly payments of £340.83, plus one initial interest payment of £219.03.

The total amount payable would be £120,937.46 made up of the loan amount, plus interest and fee(s) totalling £61,586.46. This includes Application Fee (£199), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

Retirement Interest Only (RIO) 5 Year Discounted Rate DRI001 5 years Currently 2.99% 5.3% APRC 55% (age 65+), 40% (up to age 65) NIL £199 application fee, £800 completion fee

A mortgage of £80,000.00 payable over 40 years initially on a variable rate, currently 2.99% for 5 years and then on our current standard variable rate of 5.75% for the remaining 35 years would require 59 monthly payments of £199.33 and 420 monthly payments of £383.63; plus one initial interest payment of £137.62.

The total amount payable would be £254,706.69  made up of the loan amount, plus interest and fee(s) totalling £174,706.69. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

Retirement Interest Only (RIO) 3 Year Fixed Rate XRI001 3 years 3.35% 5.6% APRC 55% (age 65+), 40% (up to age 65) 3% £199 application fee, £800 completion fee

A mortgage of £80,000.00 payable over 40 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.75% for the remaining 37 years would require 35 monthly payments of £223.33 and 444 monthly payments of £383.66; plus one initial interest payment of £154.19.

The total amount payable would be £259,999.78  made up of the loan amount, plus interest and fee(s) totalling £179,999.78. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative

Family Buy to Let 3 Year Discounted Rate – DIB042 3 years Currently 4.40% 5.8% APRC 75% 3% £199 application fee, £1,800 completion fee

A mortgage of £109,000.00 payable over 15 years initially on a variable rate, currently 4.40% for 3 years and then on our current standard variable rate of 5.75% for the remaining 12 years would require 35 monthly payments of £399.67 and 144 monthly payments of £522.25 plus one initial interest payment of £407.33.

The total amount payable would be £201,188.78 made up of the loan amount, plus interest and fee(s) totalling £92,188.78. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

Business Buy to Let 3 Year Discounted Rate – DIB039 3 years Currently 4.40% 5.7% APRC 80% 3% £199 application fee, £1,800 completion fee

A mortgage of £167,000.00 payable over 25 years initially on a variable rate, currently 4.40% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £612.33 and 264 monthly payments of £800.15 plus one initial interest payment of £624.08.

The total amount payable would be £402,990.23 made up of the loan amount, plus interest and fee(s) totalling £235,990.23. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX213 3 years 4.29% 5.6% APRC Over 90% and up to 95% 3% £199 application fee, £300 completion fee

A mortgage of £137,500.00 payable over 30 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £680.57 and 324 monthly payments of £793.78 plus one initial interest payment of £500.99.

The total amount payable would be £282,434.66 made up of the loan amount, plus interest and fee(s) totalling £144,934.66. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Shared Ownership 3 Year Fixed Rate – SX-014 3 years 4.19% 5.6% APRC 95% of the share being purchased, 75% property value 3% £199 application fee

A mortgage of £106,400.00 payable over 35 years initially on a fixed rate of 4.19% for 3 years and then on our current standard variable rate of 5.75% for the remaining 32 years would require 35 monthly payments of £483.82 and 384 monthly payments of £584.99; plus one initial interest payment of £36.77.

The total amount payable would be £242,330.63 made up of the loan amount, plus interest and fee(s) totalling £135,930.63. This includes Application Fee (£199), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Fixed Rate – House Purchase Only – DIX212 2 years 4.09% 5.7% APRC Over 90% and up to 95% 2% £199 application fee, £300 completion fee

A mortgage of £137,500.00 payable over 30 years initially on a fixed rate of 4.09% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £664.54 and 336 monthly payments of £796.16 plus one initial interest payment of £477.63.

The total amount payable would be £284,200.81 made up of the loan amount, plus interest and fee(s) totalling £146,700.81. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

5 Year Fixed Rate – House Purchase Only – DIX205 5 years 3.99% 5.2% APRC 95% 3% None

A mortgage of £148,500.00 payable over 28 years initially on a fixed rate of 3.99% for 5 years and then on our current standard variable rate of 5.75% for the remaining 23 years would require 59 monthly payments of £735.74 and 276 monthly payments of £868.13 plus one initial interest payment of £503.23.

The total amount payable would be £283,945.77 made up of the loan amount, plus interest and fee(s) totalling £135,445.77. This includes Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.2% APRC representative.

Family Assist 5 Year Fixed Rate – House Purchase Only – XFM001 5 years 3.89% 5.3% APRC 100% 3% £199 application fee, no completion fee

A mortgage of £152,000.00 payable over 33 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 59 monthly payments of £682.92 and 336 monthly payments of £837.10 plus one initial interest payment of £502.18.

The total amount payable would be £322,978.06 made up of the loan amount, plus interest and fee(s) totalling £170,978.06. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

Holiday Buy to Let 3 Year Discounted Rate – DIB048 3 years Currently 3.65% 5.5% APRC 70% 3% £199 application fee, £1,800 completion fee

A mortgage of £250,000 payable over 25 years initially on a variable rate, currently 3.65% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £760.42 and 264 monthly payments of £1,201.47, plus one initial interest payment of £100.28.

The total amount payable would be £596,715.06 made up of the loan amount, plus interest and fee(s) totalling £346,715.06. This includes Application Fee (£199), Valuation Fee (£383), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

Business Buy to Let 3 Year Discounted Rate – DIB037 3 years Currently 3.65% 5.6 APRC 75% 3% £199 application fee, £1,800 completion fee

A mortgage of £167,000.00 payable over 25 years initially on a variable rate, currently 3.65% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £507.96 and 264 monthly payments of £800.16 plus one initial interest payment of £517.70.

The total amount payable would be £399,233.54 made up of the loan amount, plus interest and fee(s) totalling £232,233.54. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Family Buy to Let 3 Year Discounted Rate – DIB047 3 year Currently 3.65% 5.5% APRC 75% 3% £199 application fee, £1,800 completion fee

A mortgage of £109,000.00 payable over 15 years initially on a variable rate, currently 3.65% for 3 years and then on our current standard variable rate of 5.75% for the remaining 12 years would require 35 monthly payments of £331.54 and 144 monthly payments of £522.26 plus one initial interest payment of £337.90.

The total amount payable would be £198,736.24 made up of the loan amount, plus interest and fee(s) totalling £89,736.24. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

3 Year Discounted Rate – MPD002 3 years Currently 3.59% 5.3% APRC 70% 3% £199 application fee, 0.50% completion fee

A mortgage of £725,000.00 payable over 23 years initially on a variable rate, currently 3.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 20 years would require 35 monthly payments of £3,871.62 and 240 monthly payments of £4,649.40 plus one initial interest payment of £2,210.55.

The total amount payable would be £1,258,695.25 made up of the loan amount, plus interest and fee(s) totalling £533,695.25. This includes Application Fee (£199), Valuation Fee (£868), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£3,625) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

Shared Ownership 2 Year Discounted Rate – SO-017 2 years Currently 3.55% 5.6% APRC 95% of the share being purchased, 75% property value None £199 application fee

A mortgage of £52,368.00 payable over 30 years initially on a variable rate, currently 3.55% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £236.99 and 336 monthly payments of £303.14; plus one initial interest payment of £15.33.

The total amount payable would be £108,045.14 made up of the loan amount, plus interest and fee(s) totalling £55,677.14. This includes Application Fee (£199), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Discounted Rate – House Purchase Only – DID135 2 years Currently 3.55% 5.6% APRC Over 90% and up to 95% 2% £199 application fee

A mortgage of £122,550 payable over 30 years initially on a variable rate, currently 3.55% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £554.60 and 336 monthly payments of £707.24 plus one initial interest payment of £369.50.

The total amount payable would be £251,386.94 made up of the loan amount, plus interest and fee(s) totalling £128,836.94. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

Family Assist 3 Year Discounted Rate – House Purchase Only – DFM001 3 years Currently 3.45% 5.4% APRC 100% 3% £199 application fee, no completion fee

A mortgage of £152,000.00 payable over 33 years initially on a variable rate, currently 3.45% for 3 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 35 monthly payments of £644.30 and 360 monthly payments of £842.50 plus one initial interest payment of £445.38.

The total amount payable would be £327,213.88 made up of the loan amount, plus interest and fee(s) totalling £175,213.88. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – DIX216 3 Years 3.39% 5.3% APRC Over 80% and up to 90% 3% £199 application fee, £499 completion fee

A mortgage of £243,000.00 payable over 25 years initially on a fixed rate of 3.39% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £1,204.78 and 264 monthly payments of £1,496.81 plus one initial interest payment of £699.64.

The total amount payable would be £439,152.78 made up of the loan amount, plus interest and fee(s) totalling £196,152.78. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

2 Year Fixed Rate – DIX214 2 years 3.29% 5.6% APRC Over 80% and up to 90% 2% £199 application fee, £999 completion fee

A mortgage of £170,000.00 payable over 30 years initially on a fixed rate of 3.29% for 2 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 23 monthly payments of £744.80 and 336 monthly payments of £979.42 plus one initial interest payment of £475.02.

The total amount payable would be £348,318.54 made up of the loan amount, plus interest and fee(s) totalling £178,318.54. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

3 Year Fixed Rate – DIX217 3 years 3.29% 5.4% APRC 80% 3% £199 application fee, £499 completion fee

A mortgage of £92,500.00 payable over 35 years initially on a fixed rate of 3.29% for 3 years and then on our current standard variable rate of 5.75% for the remaining 32 years would require 35 monthly payments of £371.60 and 384 monthly payments of £502.64 plus one initial interest payment of £258.47.

The total amount payable would be £207,406.23 made up of the loan amount, plus interest and fee(s) totalling £114,906.23. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

Help to Buy Equity Loan Scheme 3 Year Discounted Rate – SEOD08 3 years Currently 3.15% 5.4% APRC 75% 3% £199 application fee, £800 completion fee

A mortgage of £124,496.00 payable over 35 years initially on a variable rate, currently 3.15% for 3 years and then on our current standard variable rate of 5.75% for the remaining 32 years would require 35 monthly payments of £490.25 and 384 monthly payments of £675.61 plus one initial interest payment of £333.07.

The total amount payable would be £278,644.06 made up of the loan amount, plus interest and fee(s) totalling £154,148.06. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX191 3 years 2.99% 5.2% APRC Over 80% and up to 90% 3% £499 completion fee

A mortgage of £243,000.00 payable over 25 years initially on a fixed rate of 2.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £1,153.66 and 264 monthly payments of £1,490.26 plus one initial interest payment of £617.09.

The total amount payable would be £435,352.83 made up of the loan amount, plus interest and fee(s) totalling £192,352.83. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.2% APRC representative.

2 Year Fixed Rate – DIX215 2 years 2.79% 5.6% APRC 80% 2% £199 application fee, £999 completion fee

A mortgage of £72,500.00 payable over 35 years initially on a fixed rate of 2.79% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £270.97 and 396 monthly payments of £395.36 plus one initial interest payment of £171.80.

The total amount payable would be £164,594.67 made up of the loan amount, plus interest and fee(s) totalling £92,094.67. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

3 Year Discounted Rate – House Purchase Only – DID123 3 years Currently 2.75% 5.2% APRC Over 80% and up to 90% 3% £499 completion fee

A mortgage of £225,000 payable over 33 years initially on a variable rate, currently 2.75% for 3 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 35 monthly payments of £866.42 and 360 monthly payments of £1,238.46 plus one initial interest payment of £525.51.

The total amount payable would be £477,624.81 made up of the loan amount, plus interest and fee(s) totalling £252,624.81. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.2% APRC representative.

Business Buy to Let 3 Year Fixed Rate – XIB021 3 years 2.74% 5.5% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £90,000 payable over 30 years initially on a fixed rate of 2.74% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £205.50 and 324 monthly payments of £431.23 plus one initial interest payment of £209.44.

The total amount payable would be £239,218.46 made up of the loan amount, plus interest and fee(s) totalling £149,218.46. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

Consumer Buy to Let 3 Year Fixed Rate – Remortgage Only – XIB020 3 years 2.74% 5.4% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £101,000.00 payable over 25 years initially on a fixed rate of 2.74% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £230.62 and 264 monthly payments of £483.94 plus one initial interest payment of £235.04.

The total amount payable would be £239,155.90 made up of the loan amount, plus interest and fee(s) totalling £138,155.90. This includes Application Fee (£199), Re-mortgage Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

Business Buy to Let 3 Year Discounted Rate – DIB044 3 years Currently 2.65% 5.4% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £167,000.00 payable over 25 years initially on a variable rate, currently 2.65% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £368.79 and 264 monthly payments of £800.17 plus one initial interest payment of £375.86.

The total amount payable would be £393,723.39 made up of the loan amount, plus interest and fee(s) totalling £226,723.39. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

Consumer Buy to Let 3 Year Discounted Rate – Remortgage Only – DIB053 3 years Currently 2.65% 5.4% APRC 75% 3% £199 application fee, £1,300 completion fee

A mortgage of £87,272 payable over 25 years initially on a variable rate, currently 2.65% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £192.73 and 264 monthly payments of £418.16 plus one initial interest payment of £196.42.

The total amount payable would be £206,697.21 made up of the loan amount, plus interest and fee(s) totalling £119,425.21. This includes Application Fee (£199), Re-mortgage Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

2 Year Discounted Rate – DID136 2 years Currently 2.65% 5.4% APRC Over 80% and up to 90% LTV 2% £199 application fee, £300 completion fee

A mortgage of £97,850.00 payable over 24 years initially on a variable rate, currently 2.65% for 2 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 23 monthly payments of £460.68 and 264 monthly payments of £615.46 plus one initial interest payment of £220.23.

The total amount payable would be £174,226.31 made up of the loan amount, plus interest and fee(s) totalling £76,376.31. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX190 3 years 2.59% 5.0% APRC 80% 3% £499 completion fee

A mortgage of £116,800.00 payable over 21 years initially on a fixed rate of 2.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 18 years would require 35 monthly payments of £603.20 and 216 monthly payments of £774.27 plus one initial interest payment of £256.93.

The total amount payable would be £189,540.25 made up of the loan amount, plus interest and fee(s) totalling £72,740.25. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.0% APRC representative.

3 Year Discounted Rate – House Purchase Only – DID122 3 Years Currently 2.45% 5.1% APRC 80% 3% £499 completion fee

A mortgage of £169,600 payable over 30 years initially on a variable rate, currently 2.45% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £666.98 and 324 monthly payments of £961.20 plus one initial interest payment of £352.91.

The total amount payable would be £336,055.01 made up of the loan amount, plus interest and fee(s) totalling £166,455.01. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.1% APRC representative.

3 Year Discounted Rate – DID138 3 years Currently 2.05% 5.0% APRC 80% 3% £199 application fee, £300 completion fee

A mortgage of £169,600 payable over 30 years initially on a variable rate, currently 2.05% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £632.40 and 324 monthly payments of £956.79 plus one initial interest payment of £295.29.

The total amount payable would be £333,358.25 made up of the loan amount, plus interest and fee(s) totalling £163,758.25. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.0% APRC representative.

5 Year Fixed Rate – House Purchase Only – DIX211 5 years 4.75% 5.6% APRC over 95% and up to 97.5% 3% £199 application fee, no completion fee

A mortgage of £146,250 payable over 35 years initially on a fixed rate of 4.75% for 5 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 59 monthly payments of £715.62 and 360 monthly payments of £801.50 plus one initial interest payment of £399.68.

The total amount payable would be £331,790.26 made up of the loan amount, plus interest and fee(s) totalling £185,540.26. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% 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 5.75%, as a variable rate it may go up or down.

2. Overall Cost for Comparison

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

3. Max LTV

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