Products

Residential Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1431 2 Year Discount - up to 85% Loan to Value WITH £400 CASHBACK £0 £0 2.80% Variable for 2 years (our standard variable rate minus 2.39% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1437 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK £995 £0 1.70% Variable for 2 years (our standard variable rate minus 3.49% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1424 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £199 £0 2.19% Variable for 2 years (our standard variable rate minus 3.00% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1454 REMORTGAGE ONLY 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 1.40% Variable for 2 years (our standard variable rate minus 3.79% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
​** 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 house 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 £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 2.19% (equal to 3% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £255.00, followed by
24 monthly repayments of £455.45, followed by
276 monthly repayments of £1,076.75
1 final repayment of £250,000.00

The total amount payable would be £558,707.80 made up of the loan amount of £250,000.00 plus interest (£308,368.80) with a product fee of £199, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% 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
1425 5 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £995 £0 3.49% Fixed until 31 July 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1427 2 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £0 £0 3.82% Fixed until 31 July 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View  
1428 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.90% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1449 REMORTGAGE ONLY 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £1495 £0 2.65% Fixed until 31 July 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1429 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.67% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1430 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £0 £0 3.17% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1435 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £495 £0 2.48% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1436 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.25% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1450 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.15% Fixed until 31 July 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1451 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.46% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1432 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 1.98% Fixed until 31 July 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1433 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £995 £0 2.12% Fixed until 31 July 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1434 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.64% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1452 REMORTGAGE ONLY 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.65% Fixed until 31 July 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
1453 REMORTGAGE ONLY 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.54% Fixed until 31 July 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  

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

Completion must take place on or before 31 July 2021. Please note that if your mortgage does not complete by 31 July 2021, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a house 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 3.82% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £13.08, followed by
24 monthly repayments of £645.45, followed by
276 monthly repayments of £734.95

The total amount payable would be £218,490.08 made up of the loan amount of £125,000.00 plus interest (£93,350.08) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.0% 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.

Buy to Let Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1442 Buy to Let 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 2.10% Variable for 2 years (our standard variable rate minus 3.09% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1445 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.20% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1457 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.30% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1448 Regulated Buy to Let 2 Year Discount- up to 75% Loan to Value £0 £0 2.30% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Representative Example (based on a regulated 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 2.30% (equal to 2.89% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £133.90, followed by
24 monthly repayments of £239.14, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000

The total amount payable would be £279,603.38 made up of the loan amount of £125,000.00 plus interest (£154,463.38) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% APRC representative.

Please note: the example above is for an 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.

Buy to Let Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1441 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 2.27% Fixed until 31 July 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1440 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 2.13% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1439 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.99% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1438 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.75% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

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

Completion must take place on or before 31 July 2021. Please note that if your mortgage does not complete by 31 July 2021, you will not benefit from the full fixed rate period quoted for that product.

Representative Example (based on a Non-portfolio Investment property):

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 £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.13% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £14.59, followed by
24 monthly repayments of £442.99, followed by
276 monthly repayments of £1,076.75
1 final repayment of £250,000

The total amount payable would be £558,964.35 made up of the loan amount of £250,000.00 plus interest (£307,829.35) product fee of £995, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% APRC representative.

Please note: the example above is for an 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.

Discount Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2253 2 Year Discount - up to 90% Loan to Value £0 £0 2.90% Variable for 2 years (our standard variable rate minus 2.29% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2248 2 Year Discount - up to 85% Loan to Value £0 £0 2.40% Variable for 2 years (our standard variable rate minus 2.79% discount) 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1431 2 Year Discount - up to 85% Loan to Value WITH £400 CASHBACK £0 £0 2.80% Variable for 2 years (our standard variable rate minus 2.39% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2243 2 Year Discount - up to 80% Loan to Value £0 £0 1.42% Variable for 2 years (our standard variable rate minus 3.77% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1437 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK £995 £0 1.70% Variable for 2 years (our standard variable rate minus 3.49% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2262 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £0 £0 2.39% Variable for 2 years (our standard variable rate minus 2.80% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1424 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £199 £0 2.19% Variable for 2 years (our standard variable rate minus 3.00% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1454 REMORTGAGE ONLY 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 1.40% Variable for 2 years (our standard variable rate minus 3.79% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2239 2 Year Discount - up to 60% Loan to Value £0 £0 1.11% Variable for 2 years (our standard variable rate minus 4.08% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

​** 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 house 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 2.90% (equal to 2.29% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £168.84, followed by
24 monthly repayments of £584.91, followed by
276 monthly repayments of £729.99

The total amount payable would be £215,823.92 made up of the loan amount of £125,000.00 plus interest (£90,683.92) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% 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.

Fixed Rate Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2254 5 Year Fixed Rate - up to 90% Loan to Value £995 £0 3.35% Fixed until 31 July 2026 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2255 5 Year Fixed Rate - up to 90% Loan to Value £0 £0 3.60% Fixed until 31 July 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1425 5 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £995 £0 3.49% Fixed until 31 July 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2251 2 Year Fixed Rate - up to 90% Loan to Value £995 £0 3.00% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2252 2 Year Fixed Rate - up to 90% Loan to Value £0 £0 3.40% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1427 2 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £0 £0 3.82% Fixed until 31 July 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View  
2250 5 Year Fixed Rate - up to 85% Loan to Value £0 £0 2.90% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
2249 5 Year Fixed Rate - up to 85% Loan to Value £995 £0 2.70% Fixed until 31 July 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1428 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.90% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1449 REMORTGAGE ONLY 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £1495 £0 2.65% Fixed until 31 July 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1429 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.67% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1430 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £0 £0 3.17% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2247 2 Year Fixed Rate - up to 85% Loan to Value £0 £0 2.85% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2246 2 Year Fixed Rate - up to 85% Loan to Value £995 £0 2.48% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2244 5 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.72% Fixed until 31 July 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
2245 5 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.94% Fixed until 31 July 2026 5.19% 3.9% Annual Percentage Rate of Charge (APRC)* View  
1435 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £495 £0 2.48% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1436 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.25% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1450 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.15% Fixed until 31 July 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1451 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.46% Fixed until 31 July 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
2241 2 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.40% Fixed until 31 July 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2242 2 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.72% Fixed until 31 July 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1432 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 1.98% Fixed until 31 July 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1433 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £995 £0 2.12% Fixed until 31 July 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1434 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.64% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1452 REMORTGAGE ONLY 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.65% Fixed until 31 July 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
1453 REMORTGAGE ONLY 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.54% Fixed until 31 July 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2261 INTEREST ONLY** 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 3.00% Fixed until 31 July 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View  
2240 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.79% Fixed until 31 July 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
2237 2 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.22% Fixed until 31 July 2023 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2238 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.41% Fixed until 31 July 2023 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  

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

​** 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 2021. Please note that if your mortgage does not complete by 31 July 2021, you will not benefit from the full fixed rate period quoted for that product.
 

Representative Example (based on a house 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 3.40% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £11.64, followed by
24 monthly repayments of £617.41, followed by
276 monthly repayments of £732.74

The total amount payable would be £217,205.72 made up of the loan amount of £125,000.00 plus interest (£92,065.72) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% 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.

Buy to Let Discount Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2260 Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 1.70% Variable for 2 years (our standard variable rate minus 3.49% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1442 Buy to Let 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 2.10% Variable for 2 years (our standard variable rate minus 3.09% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1445 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.20% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1457 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.30% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1448 Regulated Buy to Let 2 Year Discount- up to 75% Loan to Value £0 £0 2.30% Variable for 2 years (our standard variable rate minus 2.89% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
 

Representative Example (based on a Non-portfolio Investment Property):

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 1.70% (equal to 3.49% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £98.97, followed by
24 monthly repayments of £176.84, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00

The total amount payable would be £278,073.25 made up of the loan amount of £125,000.00 plus interest (£152,933.25) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% APRC representative.

Please note: the example above is for an 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.

Buy to Let Fixed Rate Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2258 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.20% Fixed until 31 July 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2259 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £995 £0 1.99% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1441 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 2.27% Fixed until 31 July 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2256 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.10% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2257 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £995 £0 1.75% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1440 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 2.13% Fixed until 31 July 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1439 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.99% Fixed until 31 July 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1438 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.75% Fixed until 31 July 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

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

Completion must take place on or before 31 July 2021. Please note that if your mortgage does not complete by 31 July 2021, you will not benefit from the full fixed rate period quoted for that product.
 

Representative Example (based on a Non-portfolio Investment Property):

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 2.10% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £7.19, followed by
24 monthly repayments of £218.38, followed by
276 monthly repayments of £538.37, followed by
1 final payment of £125,000

The total amount payable would be £278,978.43 made up of the loan amount of £125,000.00 plus interest (£153,838.43) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% APRC representative.

Please note: the example above is for an 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. 

Intermediaries call back/enquiry form Just contact us below or call 0808 281 9309