The information contained in this section is intended for brokers and intermediaries only. Direct customers should not use this information as a basis for financial decisions.

Download the residential mortgage interest rate guide (101kb pdf)
Download the additional residential borrowing rate guide (103 kb pdf)
Download the buy to let mortgage rate guide (101kb pdf)

Standard products


Product Standard variable rate 2 year discounted variable rate 2 year fixed rate 4 year fixed rate 5 year fixed rate
Profiles and features The traditional variable rate mortgage with no tie-ins

  • Minimum age 18.
 A discount of 1.81% from the Standard variable rate for the first 2 years.

  • Standard variable rate charged from the beginning of year 3.
  • Minimum age 18.
 A fixed rate for the first 2 years.

  • Standard variable rate charged from the beginning of year 3
  • Minimum age 18.
 A fixed rate for the first 4 years.

  • Standard variable rate charged from the beginning of year 5
  • Minimum age 18.

A fixed rate for the first 5 years.

  • Standard variable rate charged from the beginning of year 6.
  • Minimum age 18.
Rate % p.a. 6.80% 4.99% 4.89% 5.99% 5.99%
Max LTV 90% 90% 90% 90% 90%
Fees Valuation fee.
Admin fee £50.		 Valuation fee.
Admin fee £50.
Product fee £499.		 Valuation fee.
Admin fee £50.
Product fee £499.		 Valuation fee.
Admin fee £50.
Product fee £199.

Valuation fee.
Admin fee £50.
Product fee £499.
Early repayment charge None Within discounted rate period: 3% of the amount repaid by way of capital repayment or in full redemption. Thereafter: none. Within fixed rate period: 3% of the amount repaid by way of capital repayment or in full redemption. Thereafter: none. Within fixed rate period: 3% of the amount repaid by way of capital repayment or in full redemption. Thereafter: none. Within fixed rate period: 3% of the amount repaid by way of capital repayment or in full redemption.
Thereafter: none.

 



Buy to let products


Product BTL variable rate 5 year BTL tracker 3 year fixed rate 5 year fixed rate 3 year discounted rate

Profiles and features

The traditional variable rate mortgage with no tie-ins.

  • Minimum age 25.

Tracks the Bank of England Base Rate for the first 5 years of the mortgage

  • The interest rate charged will be 4.50% above the Bank of England Base Rate.
  • BTL variable rate charged from the beginning of year 6.
  • Minimum age 25.

A fixed rate for the first 3 years.

  • BTL variable rate charged from the beginning of year 4.
  • Minimum age 25.

A fixed rate for the first 5 years.

  • BTL variable rate charged from the beginning of year 6.
  • Minimum age 25.

A discounted rate for the first 3 years.

  • BTL variable rate charged from the beginning of year 4
  • Minimum age 25
Rate % p.a. 6.80% 5.00% 5.49% 5.89% 4.99%
Max LTV 85% 85% 85% 85% 85%
Fees Valuation fee.
Admin fee £130.		 Valuation fee.
Admin fee £130
Product fee 1% of loan amount.		 Valuation fee.
Admin fee £60%
Product fee 1% of loan amount.		 Valuation fee.
Admin fee £60.
Product fee 1% of loan amount.		 Valuation fee.
Admin fee £60.
Product fee 1% of loan amount.
Early repayment charge None Within 5 year period: 3% of the amount repaid by way of capital repayment or in full redemption.
Thereafter: none.		 Within fixed rate period: 3% of the amount repaid by way of capital repayment or in full redemption. Thereafter: none. Within fixed rate period: 5% of the amount repaid by way of capital repayment or in full redemption. Thereafter: none. Within fixed rate period: 3% of the amount repaid by way of capital repayment or in full redemption.
Thereafter: none.