Products

Residential Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1508 POSTCODE RESTRICTED 2 Year Discount - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.49% Variable for 2 years (our standard variable rate minus 1.70% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1521 2 Year Discount - up to 85% Loan to Value (Min loan £100,000) £0 £0 1.99% Variable for 2 years (our standard variable rate minus 3.20% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1493 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK £0 £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  
1483 2 Year Discount - up to 75% Loan to Value (Minimum loan £200,000) £1495 £0 0.99% Variable for 2 years (our standard variable rate minus 4.20% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1497 REMORTGAGE ONLY 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 1.20% Variable for 2 years (our standard variable rate minus 3.99% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1484 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £199 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% 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.
​** 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 3.49% (equal to 1.70% 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 £191.23, followed by
24 monthly repayments of £623.36, followed by
276 monthly repayments of £733.21
The total amount payable would be £217,657.83 made up of the loan amount of £125,000.00 plus interest (£92,517.83) 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
1516 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK (Min loan £100,000) £995 £0 3.68% Fixed until 30 November 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1515 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK (Min loan £100,000) £495 £0 3.54% Fixed until 30 November 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1507 POSTCODE RESTRICTED 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.89% Fixed until 30 November 2026 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1506 POSTCODE RESTRICTED 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.84% Fixed until 30 November 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View  
1486 5 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £495 £0 3.35% Fixed until 30 November 2026 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1485 2 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £495 £0 3.04% Fixed until 30 November 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1520 5 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £995 £0 2.45% Fixed until 30 November 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1519 5 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £0 £0 2.59% Fixed until 30 November 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1490 REMORTGAGE ONLY 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.59% Fixed until 30 November 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1518 2 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £495 £0 2.19% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1517 2 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £0 £0 2.40% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1492 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.12% Fixed until 30 November 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1494 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.09% Fixed until 30 November 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1495 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.46% Fixed until 30 November 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1491 2 Year Fixed Rate - up to 80% Loan to Value £1495 £0 1.78% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1496 REMORTGAGE ONLY 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.34% Fixed until 30 November 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 30 November 2021. Please note that if your mortgage does not complete by 30 November 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 3.84% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £13.15, followed by
24 monthly repayments of £646.80, followed by
276 monthly repayments of £735.05
The total amount payable would be £218,550.15 made up of the loan amount of £125,000.00 plus interest (£93,410.15) 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
1510 Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 1.76% Variable for 2 years (our standard variable rate minus 3.43% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1502 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  
1503 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  
1512 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 1.75% Variable for 2 years (our standard variable rate minus 3.44% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1505 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  
1514 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1504 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  
1513 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% 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 2.10% (equal to 3.09% 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 £115.07, followed by
24 monthly repayments of £218.38, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00
The total amount payable would be £279,086.31 made up of the loan amount of £125,000.00 plus interest (£153,946.31) 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
1511 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £1495 £0 2.05% Fixed until 30 November 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1501 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £1495 £0 2.10% Fixed until 30 November 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1509 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £1495 £0 1.76% Fixed until 30 November 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1500 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £1495 £0 1.90% Fixed until 30 November 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1499 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.99% Fixed until 30 November 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1498 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.67% Fixed until 30 November 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 30 November 2021. Please note that if your mortgage does not complete by 30 November 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 1.90% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £13.01, followed by
24 monthly repayments of £395.22, followed by
276 monthly repayments of £1,076.75
1 final payment of £250,000.00
The total amount payable would be £558,316.29 made up of the loan amount of £250,000.00 plus interest (£306,681.29) product fee of £1495, 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
1508 POSTCODE RESTRICTED 2 Year Discount - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.49% Variable for 2 years (our standard variable rate minus 1.70% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1521 2 Year Discount - up to 85% Loan to Value (Min loan £100,000) £0 £0 1.99% Variable for 2 years (our standard variable rate minus 3.20% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2276 2 Year Discount - up to 80% Loan to Value £0 £0 1.29% Variable for 2 years (our standard variable rate minus 3.90% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1493 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK £0 £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  
1483 2 Year Discount - up to 75% Loan to Value (Minimum loan £200,000) £1495 £0 0.99% Variable for 2 years (our standard variable rate minus 4.20% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1497 REMORTGAGE ONLY 2 Year Discount - up to 75% Loan to Value WITH £400 CASHBACK £0 £0 1.20% Variable for 2 years (our standard variable rate minus 3.99% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2277 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £0 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1484 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £199 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2272 2 Year Discount - up to 60% Loan to Value £0 £0 0.99% Variable for 2 years (our standard variable rate minus 4.20% 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 interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.59% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £8.87, followed by
24 monthly repayments of £269.23, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00

The total amount payable would be £280,200.51 made up of the loan amount of £125,000.00 plus interest (£155,060.51) 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.

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
1516 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK (Min loan £100,000) £995 £0 3.68% Fixed until 30 November 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1515 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK (Min loan £100,000) £495 £0 3.54% Fixed until 30 November 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1507 POSTCODE RESTRICTED 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.89% Fixed until 30 November 2026 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1506 POSTCODE RESTRICTED 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK £0 £0 3.84% Fixed until 30 November 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View  
1486 5 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £495 £0 3.35% Fixed until 30 November 2026 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1485 2 Year Fixed Rate - up to 90% Loan to Value WITH £500 CASHBACK £495 £0 3.04% Fixed until 30 November 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1520 5 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £995 £0 2.45% Fixed until 30 November 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1519 5 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £0 £0 2.59% Fixed until 30 November 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1490 REMORTGAGE ONLY 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK £995 £0 2.59% Fixed until 30 November 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1518 2 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £495 £0 2.19% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1517 2 Year Fixed Rate - up to 85% Loan to Value (Min loan £100,000) £0 £0 2.40% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
2273 5 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.77% Fixed until 30 September 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
2274 5 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.54% Fixed until 30 September 2026 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
1492 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.12% Fixed until 30 November 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1494 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £1495 £0 2.09% Fixed until 30 November 2026 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1495 REMORTGAGE ONLY 5 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK £0 £0 2.46% Fixed until 30 November 2026 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
2275 2 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.64% Fixed until 30 September 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1491 2 Year Fixed Rate - up to 80% Loan to Value £1495 £0 1.78% Fixed until 30 November 2023 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1496 REMORTGAGE ONLY 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £995 £0 1.34% Fixed until 30 November 2023 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2278 INTEREST ONLY** 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.59% Fixed until 30 September 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2268 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.47% Fixed until 30 September 2026 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2269 5 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.25% Fixed until 30 September 2026 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2270 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.32% Fixed until 30 September 2023 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2271 2 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.05% Fixed until 30 September 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 30 September 2021. Please note that if your mortgage does not complete by 30 September 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 £218,487.32 made up of the loan amount of £125,000.00 plus interest (£93,347.32) 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 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
2281 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  
1510 Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 1.76% Variable for 2 years (our standard variable rate minus 3.43% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1502 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  
1503 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  
1512 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 1.75% Variable for 2 years (our standard variable rate minus 3.44% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1505 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  
1514 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1504 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  
1513 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £1495 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% 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 2.10% (equal to 3.09% 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 £115.07, followed by
24 monthly repayments of £218.38, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00

The total amount payable would be £279,086.31 made up of the loan amount of £125,000.00 plus interest (£153,946.31) 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 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
2279 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.16% Fixed until 30 September 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1511 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £1495 £0 2.05% Fixed until 30 November 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1501 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £1495 £0 2.10% Fixed until 30 November 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2280 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.06% Fixed until 30 September 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1509 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £1495 £0 1.76% Fixed until 30 November 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1500 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK £1495 £0 1.90% Fixed until 30 November 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1499 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.99% Fixed until 30 November 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1498 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1495 £0 1.67% Fixed until 30 November 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 30 September 2021. Please note that if your mortgage does not complete by 30 September 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 2.03% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £13.90, followed by
24 monthly repayments of £422.23, followed by
276 monthly repayments of £1,076.75, and
1 final repayment of £250,000

The total amount payable would be £558,965.42 made up of the loan amount of £250,000.00 plus interest (£307,330.42) product fee of £1495, 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. 

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