Products

 

Use the buttons below to help you navigate which mortgage products you wish to view:

New Customers: Residential Discount Residential Fixed Rate BTL Discount BTL Fixed Rate
 
Existing Customers: Residential Discount Residential Fixed Rate BTL Discount BTL Fixed Rate

Residential Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1674 2 Year Discount - up to 95% Loan to Value WITH £500 CASHBACK² £0 £0 2.85% Variable for 2 years (our standard variable rate minus 2.84% discount) 5.69% 5.2% Annual Percentage Rate of Charge (APRC)1 View  
1679 2 Year Discount - up to 90% Loan to Value WITH £400 CASHBACK² £0 £0 2.45% Variable for 2 years (our standard variable rate minus 3.24% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
1684 2 Year Discount - up to 85% Loan to Value WITH £400 CASHBACK² £0 £0 2.30% Variable for 2 years (our standard variable rate minus 3.39% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
1685 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value £495 £0 2.24% Variable for 2 years (our standard variable rate minus 3.45% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1686 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value £0 £0 2.54% Variable for 2 years (our standard variable rate minus 3.15% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

⁴ If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 2.85% (equal to 2.84% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £165.92, followed by
24 monthly repayments of £581.72, followed by
276 monthly repayments of £763.65
The total amount payable would be £225,034.60 made up of the loan amount of £125,000.00 plus interest (£99,894.60), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.2% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Residential Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1718 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² £995 £0 3.50% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
1717 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² £0 £0 3.54% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1721 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 3.22% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
1722 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 3.02% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
1719 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 3.21% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1720 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.68% Fixed until 31 July 2024 5.69% 5.2% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Completion must take place on or before 31 July 2022. Please note that if your mortgage does not complete by 31 July 2022, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 3.54% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £12.12, followed by
24 monthly repayments of £626.67, followed by
276 monthly repayments of £767.61
The total amount payable would be £227,052.56 made up of the loan amount of £125,000.00 plus interest (£101,912.56), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.3% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

BTL Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1726 Buy to Let 2 Year Discount³ - up to 75% Loan to Value WITH £400 CASHBACK² £0 £0 2.65% Variable for 2 years (our standard variable rate minus 3.04% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1728 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1729 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.80% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1727 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 2.65% (equal to 3.04% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £154.28, followed by
24 monthly repayments of £275.45, followed by
276 monthly repayments of £590.01
1 final payment of £125,000.00
The total amount payable would be £294,747.84 made up of the loan amount of £125,000.00 plus interest (£169,607.84), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.4% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

BTL Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1713 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 2.84% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
1716 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.65% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
1714 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 2.97% Fixed until 31 July 2024 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1715 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.60% Fixed until 31 July 2024 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Completion must take place on or before 31 July 2022. Please note that if your mortgage does not complete by 31 July 2022, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.97% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £10.17, followed by
24 monthly repayments of £308.64, followed by
276 monthly repayments of £590.02
1 final payment of £125,000.00
The total amount payable would be £295,403.05 made up of the loan amount of £125,000.00 plus interest (£170,263.05), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.4% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Residential Discount Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1674 2 Year Discount - up to 95% Loan to Value WITH £500 CASHBACK² £0 £0 2.85% Variable for 2 years (our standard variable rate minus 2.84% discount) 5.69% 5.2% Annual Percentage Rate of Charge (APRC)1 View  
2478 2 Year Discount - up to 90% Loan to Value £0 £0 2.05% Variable for 2 years (our standard variable rate minus 3.64% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
1679 2 Year Discount - up to 90% Loan to Value WITH £400 CASHBACK² £0 £0 2.45% Variable for 2 years (our standard variable rate minus 3.24% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2473 2 Year Discount - up to 85% Loan to Value £0 £0 1.95% Variable for 2 years (our standard variable rate minus 3.74% discount) 5.69% 5.0% Annual Percentage Rate of Charge (APRC)1 View  
1684 2 Year Discount - up to 85% Loan to Value WITH £400 CASHBACK² £0 £0 2.30% Variable for 2 years (our standard variable rate minus 3.39% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2468 2 Year Discount - up to 80% Loan to Value £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.84% discount) 5.69% 5.0% Annual Percentage Rate of Charge (APRC)1 View  
2459 2 Year Discount - up to 75% Loan to Value £0 £0 1.75% Variable for 2 years (our standard variable rate minus 3.94% discount) 5.69% 5.0% Annual Percentage Rate of Charge (APRC)1 View  
2500 HELP TO BUY 2 Year Discount - up to 75% Loan to Value £0 £0 2.15% Variable for 2 years (our standard variable rate minus 3.54% discount) 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2479 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value £0 £0 2.44% Variable for 2 years (our standard variable rate minus 3.25% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1685 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value £495 £0 2.24% Variable for 2 years (our standard variable rate minus 3.45% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1686 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value £0 £0 2.54% Variable for 2 years (our standard variable rate minus 3.15% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

⁴ If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 2.44% (equal to 3.25% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £142.05, followed by
24 monthly repayments of £253.67, followed by
276 monthly repayments of £590.01
1 final repayment of £125,000.00
The total amount payable would be £294,212.89 made up of the loan amount of £125,000.00 plus interest (£169,072.89), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.3% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Residential Fixed Rate Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1718 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² £995 £0 3.50% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
1717 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² £0 £0 3.54% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
2476 5 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.55% Fixed until 31 July 2027 5.69% 4.4% Annual Percentage Rate of Charge (APRC)1 View  
2477 5 Year Fixed Rate - up to 90% Loan to Value £995 £0 2.45% Fixed until 31 July 2027 5.69% 4.4% Annual Percentage Rate of Charge (APRC)1 View  
1721 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 3.22% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
1722 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 3.02% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
2474 2 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.50% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2475 2 Year Fixed Rate - up to 90% Loan to Value £495 £0 2.10% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
1719 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 3.21% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1720 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.68% Fixed until 31 July 2024 5.69% 5.2% Annual Percentage Rate of Charge (APRC)1 View  
2471 5 Year Fixed Rate - up to 85% Loan to Value £0 £0 2.40% Fixed until 31 July 2027 5.69% 4.4% Annual Percentage Rate of Charge (APRC)1 View  
2472 5 Year Fixed Rate - up to 85% Loan to Value £995 £0 2.20% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2469 2 Year Fixed Rate - up to 85% Loan to Value £0 £0 2.29% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2470 2 Year Fixed Rate - up to 85% Loan to Value £495 £0 2.05% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2466 5 Year Fixed Rate - up to 80% Loan to Value £0 £0 2.29% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2467 5 Year Fixed Rate - up to 80% Loan to Value £995 £0 2.15% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2464 2 Year Fixed Rate - up to 80% Loan to Value £0 £0 2.20% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2465 2 Year Fixed Rate - up to 80% Loan to Value £495 £0 2.00% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2462 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.23% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2463 5 Year Fixed Rate - up to 75% Loan to Value £995 £0 2.05% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2499 HELP TO BUY 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.55% Fixed until 31 July 2027 5.69% 4.4% Annual Percentage Rate of Charge (APRC)1 View  
2481 INTEREST ONLY⁴ 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.99% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
2460 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.10% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2461 2 Year Fixed Rate - up to 75% Loan to Value £495 £0 1.95% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2498 HELP TO BUY 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.25% Fixed until 31 July 2024 5.69% 5.1% Annual Percentage Rate of Charge (APRC)1 View  
2480 INTEREST ONLY⁴ 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.79% Fixed until 31 July 2024 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
2457 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 2.10% Fixed until 31 July 2027 5.69% 4.3% Annual Percentage Rate of Charge (APRC)1 View  
2458 5 Year Fixed Rate - up to 60% Loan to Value £995 £0 2.00% Fixed until 31 July 2027 5.69% 4.2% Annual Percentage Rate of Charge (APRC)1 View  
2455 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.97% Fixed until 31 July 2024 5.69% 5.0% Annual Percentage Rate of Charge (APRC)1 View  
2456 2 Year Fixed Rate - up to 60% Loan to Value £495 £0 1.90% Fixed until 31 July 2024 5.69% 5.0% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Completion must take place on or before 31 July​ 2022. Please note that if your mortgage does not complete by 31 July 2022, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.10% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £7.19, followed by
24 monthly repayments of £535.01, followed by
276 monthly repayments of £759.07
The total amount payable would be £222,490.75 made up of the loan amount of £125,000.00 plus interest (£97,350.75), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.1% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

BTL Discount Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2491 Buy to Let 2 Year Discount³ - up to 75% Loan to Value £0 £0 2.05% Variable for 2 years (our standard variable rate minus 3.64% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1726 Buy to Let 2 Year Discount³ - up to 75% Loan to Value WITH £400 CASHBACK² £0 £0 2.65% Variable for 2 years (our standard variable rate minus 3.04% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
2494 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.40% Variable for 2 years (our standard variable rate minus 3.29% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1728 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
2497 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.05% Variable for 2 years (our standard variable rate minus 3.64% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1729 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.80% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1727 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
2486 Buy to Let 2 Year Discount³ - up to 60% Loan to Value £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.84% discount) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 2.05% (equal to 3.64% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £119.35, followed by
24 monthly repayments of £213.19, followed by
276 monthly repayments of £590.01
1 final payment of £125,000.00
The total amount payable would be £293,218.67 made up of the loan amount of £125,000.00 plus interest (£168,078.67), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.3% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

BTL Fixed Rate Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2489 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value £0 £0 2.40% Fixed until 31 July 2027 5.69% 4.8% Annual Percentage Rate of Charge (APRC)1 View  
2490 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value £995 £0 2.15% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
1713 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 2.84% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
1716 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.65% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
2496 Portfolio Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.29% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
2493 Regulated Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.74% Fixed until 31 July 2027 5.69% 4.9% Annual Percentage Rate of Charge (APRC)1 View  
2487 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value £0 £0 2.30% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
2488 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value £495 £0 2.05% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
1714 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £0 £0 2.97% Fixed until 31 July 2024 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
1715 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) £995 £0 2.60% Fixed until 31 July 2024 5.69% 5.4% Annual Percentage Rate of Charge (APRC)1 View  
2495 Portfolio Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.10% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
2492 Regulated Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.55% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
2484 Buy to Let 5 Year Fixed Rate³ - up to 60% Loan to Value £0 £0 2.20% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
2485 Buy to Let 5 Year Fixed Rate³ - up to 60% Loan to Value £995 £0 2.02% Fixed until 31 July 2027 5.69% 4.7% Annual Percentage Rate of Charge (APRC)1 View  
2482 Buy to Let 2 Year Fixed Rate³ - up to 60% Loan to Value £0 £0 2.10% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  
2483 Buy to Let 2 Year Fixed Rate³ - up to 60% Loan to Value £495 £0 1.87% Fixed until 31 July 2024 5.69% 5.3% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Completion must take place on or before 31 July 2022. Please note that if your mortgage does not complete by 31 July 2022, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.30% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £7.88, followed by
24 monthly repayments of £239.14, followed by
276 monthly repayments of £590.01
1 final payment of £125,000.00
The total amount payable would be £293,730.00 made up of the loan amount of £125,000.00 plus interest (£168,590.00), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.3% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

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