| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3368 2 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £995 | £0 | 5.33% Fixed until 30/06/2027 | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 3369 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.22% Fixed until 30/06/2030 | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3386 5 Year Fixed Rate up to 95% loan to value | £1495 | £0 | 4.89% Fixed for 30/06/2030 | 7.84% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3387 Residential Shared Ownership 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.28% Fixed until 30/06/2027 | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 3354 Residential Shared Ownership 3 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.40% Fixed until 30/06/2028 | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 3355 Residential Shared Ownership 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.00% Fixed until 30/06/2030 | 7.84% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3371 Residential Own New - 5% Incentive Rate Reducer 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 3.10% Fixed until 30/06/2027 | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 3372 Residential Own New - 5% Incentive Rate Reducer 5 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.21% Fixed until 30/06/2030 | 7.84% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 3373 Residential Own New - 3% Incentive Rate Reducer 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.10% Fixed until 30/06/2027 | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 3374 Residential Own New - 3% Incentive Rate Reducer 5 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.60% Fixed until 30/06/2030 | 7.84% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 3393 2 Year Fixed Rate up to 90% loan to value | £0 | £0 | 5.02% Fixed until 30/06/2027 | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 3394 5 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² | £995 | £0 | 4.65% Fixed until 30/06/2030 | 7.84% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3360 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.93% Fixed until 30/06/2027 | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
Representative Example (based on a residential property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.33% and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £36.51, followed by
24 monthly repayments of £1,503.48, followed by
276 monthly repayments of £1,866.96
The total amount payable would be £552,535.99 made up of the loan amount of £250,000.00 plus interest (£301,400.99), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.5% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3337 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value WITH £200 Cashback² | £995 | £0 | 5.20% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3377 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £1995 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3378 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £1495 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3379 Buy to Let First Time Buyer 2 Year Discounted Rate up to 75% loan to value | £1995 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3380 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £1495 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3381 Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3382 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value | £1995 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3383 Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £1995 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their 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.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.20% (equal to 2.64% discount off our Standard Variable Rate) for 2 years. Then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £605.48, followed by
24 monthly repayments of £1,078.81, followed by
276 monthly repayments of £1,623.05
1 final repayment of £250,000.00
The total amount payable would be £725,593.72 made up of the loan amount of £250,000.00 plus interest (£474,458.72), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.6% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3361 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.05% Fixed until 30/06/2027 | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3388 Buy to Let Holiday Let 5 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.05% Fixed until 30/06/2030 | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 3389 Buy to Let Green Holiday Let 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.05% Fixed until 30/06/2030 | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 3364 Buy to Let Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.22% Fixed until 30/06/2030 | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 3365 Buy to Let Green Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.22% Fixed until 30/06/2030 | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their 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 overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On 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 5.05% and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £34.59, followed by
24 monthly repayments of £1,047.82, followed by
276 monthly repayments of £1,623.07
1 final repayment of £250,000.00
The total amount payable would be £724,784.59 made up of the loan amount of £250,000.00 plus interest (£473,149.59), product fee of £1,495, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.6% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4524 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 4.59% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4525 2 Year Discounted Rate up to 85% loan to value | £495 | £0 | 4.96% Variable for 2 Years (our standard variable rate Minus 2.88% discounted) | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4526 2 Year Discounted Rate up to 85% loan to value | £995 | £0 | 4.59% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4527 2 Year Discounted Rate up to 95% loan to value | £0 | £0 | 5.09% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4528 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.09% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4529 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 4.70% Variable for 2 Years (our standard variable rate Minus 3.14% discounted) | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4530 Residential Help to Buy 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 4.69% Variable for 2 Years (our standard variable rate Minus 3.15% discounted) | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the 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 discounted variable rate of 5.09% (equal to 2.75% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £278.90, followed by
24 monthly repayments of £734.30, followed by
276 monthly repayments of £932.13
The total amount payable would be £275,309.98 made up of the loan amount of £125,000.00 plus interest (£150,169.98), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.4% 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.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4549 2 Year Fixed Rate up to 60% loan to value | £0 | £0 | 4.35% Fixed for 2 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4550 2 Year Fixed Rate up to 60% loan to value | £995 | £0 | 4.05% Fixed for 2 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4573 3 Year Fixed Rate up to 60% loan to value | £0 | £0 | 4.60% Fixed for 3 Years | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4574 3 Year Fixed Rate up to 60% loan to value | £995 | £0 | 4.20% Fixed for 3 Years | 7.84% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4551 5 year Fixed Rate up to 60% loan to value | £0 | £0 | 4.12% Fixed for 5 Years | 7.84% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4552 5 year Fixed Rate up to 60% loan to value | £995 | £0 | 4.10% Fixed for 5 Years | 7.84% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4553 5 year Fixed Rate up to 60% loan to value | £1495 | £0 | 4.05% Fixed for 5 Years | 7.84% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4554 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.65% Fixed for 2 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4497 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.45% Fixed for 2 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4575 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.65% Fixed for 3 Years | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4576 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.30% Fixed for 3 Years | 7.84% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4555 5 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.22% Fixed for 5 Years | 7.84% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4556 5 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.15% Fixed for 5 Years | 7.84% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4557 2 Year Fixed Rate up to 80% loan to value | £0 | £0 | 4.90% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4558 2 Year Fixed Rate up to 80% loan to value | £995 | £0 | 4.65% Fixed for 2 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4559 5 Year Fixed Rate up to 80% loan to value | £0 | £0 | 4.35% Fixed for 5 Years | 7.84% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4560 5 Year Fixed Rate up to 80% loan to value | £995 | £0 | 4.25% Fixed for 5 Years | 7.84% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4385 2 Year Fixed Rate up to 85% loan to value | £0 | £0 | 5.15% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4539 2 Year Fixed Rate up to 85% loan to value | £995 | £0 | 4.79% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4396 2 Year Fixed Rate up to 85% loan to value | £1495 | £0 | 4.65% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4577 3 Year Fixed Rate up to 85% loan to value | £0 | £0 | 5.00% Fixed for 3 Years | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 4578 3 Year Fixed Rate up to 85% loan to value | £995 | £0 | 4.77% Fixed for 3 Years | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 4561 5 year Fixed Rate up to 85% loan to value | £0 | £0 | 4.60% Fixed for 5 Years | 7.84% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4562 5 Year Fixed Rate up to 85% loan to value | £995 | £0 | 4.50% Fixed for 5 Years | 7.84% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4427 5 Year Fixed Rate up to 85% loan to value | £1495 | £0 | 4.40% Fixed for 5 Years | 7.84% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4563 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.39% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4540 2 Year Fixed Rate up to 95% loan to value | £995 | £0 | 5.08% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4579 3 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.20% Fixed for 3 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4580 3 Year Fixed Rate up to 95% loan to value | £995 | £0 | 5.00% Fixed for 3 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4430 5 year Fixed Rate up to 95% loan to value | £0 | £0 | 5.15% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4431 5 Year Fixed Rate up to 95% loan to value | £995 | £0 | 4.80% Fixed for 5 Years | 7.84% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4432 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.95% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4498 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.55% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4581 Residential Interest Only 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.75% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4582 Residential Interest Only 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.40% Fixed for 3 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4434 Residential Interest Only 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.55% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4435 Residential Interest Only 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.45% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4495 Residential Help to Buy 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.85% Fixed for 2 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4437 Residential Help to Buy 5 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.65% Fixed for 5 Years | 7.84% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
⁴ If you recommend an interest only mortgage, your client 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 fixed rate for 5 years fixed at 4.60% and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 20 years you would pay:
1 monthly repayment of £15.75, followed by
60 monthly repayments of £699.31, followed by
240 monthly repayments of £903.50
The total amount payable would be £258,954.35 made up of the loan amount of £125,000.00 plus interest (£133,814.35), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 6.5% 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.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4531 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.84% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4532 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 4.85% Variable for 2 Years (our standard variable rate Minus 2.99% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4533 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.10% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4534 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 4.95% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4535 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.10% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4536 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 4.95% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4537 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.35% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4538 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4547 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.80% Variable for 2 Years (our standard variable rate Minus 2.04% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4548 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.59% Variable for 2 Years (our standard variable rate Minus 2.25% discounted) | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their 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.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the 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 discounted variable rate of 5.00% (equal to 2.84% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £273.97, followed by
24 monthly repayments of £518.74, followed by
276 monthly repayments of £811.53
1 final payment of £125,000.00
The total amount payable would be £361,846.01 made up of the loan amount of £125,000.00 plus interest (£236,706.01), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.6% 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.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4541 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £0 | £0 | 4.90% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4564 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £995 | £0 | 4.50% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4565 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £1495 | £0 | 4.37% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4583 Buy to Let Standard 3 Year Fixed Rate up to 65% loan to value | £0 | £0 | 4.95% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4584 Buy to Let Standard 3 Year Fixed Rate up to 65% loan to value | £995 | £0 | 4.65% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4473 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £0 | £0 | 4.55% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4566 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £995 | £0 | 4.37% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4567 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £1495 | £0 | 4.15% Fixed for 5 Years | 7.84% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4360 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.20% Fixed for 2 Years | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4568 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.70% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4569 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 4.56% Fixed for 2 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4585 Buy to Let Standard 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.20% Fixed for 3 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4586 Buy to Let Standard 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.80% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4570 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.60% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4571 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.39% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4572 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £1495 | £0 | 4.29% Fixed for 5 Years | 7.84% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4366 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 2 Years | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4448 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 2 Years | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4589 Buy to Let Regulated Family 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 3 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4590 Buy to Let Regulated Family 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4490 Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.80% Fixed for 5 Years | 7.84% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4491 Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.59% Fixed for 5 Years | 7.84% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4370 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 2 Years | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4451 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 2 Years | 7.84% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4587 Buy to Let Portfolio 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 3 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4588 Buy to Let Portfolio 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 3 Years | 7.84% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4492 Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.80% Fixed for 5 Years | 7.84% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4493 Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.59% Fixed for 5 Years | 7.84% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4454 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.80% Fixed for 2 Years | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4455 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 5.70% Fixed for 2 Years | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4458 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.55% Fixed for 2 Years | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4591 Buy to Let Holiday Let 3 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.50% Fixed for 3 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4592 Buy to Let Holiday Let 3 Year Fixed Rate up to 75% loan to value | £995 | £0 | 5.10% Fixed for 3 Years | 7.84% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4456 Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 5.55% Fixed for 5 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4457 Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 5.45% Fixed for 5 Years | 7.84% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 4543 Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.75% Fixed for 2 Years | 7.84% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4544 Buy to Let Ltd Co BTL 3 Year Fixed Rate up to 75% loan to value | £1995 | £0 | 5.55% Fixed for 3 Years | 7.84% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4545 Buy to Let Ltd Co BTL 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 5.45% Fixed for 5 Years | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 4546 Buy to Let Ltd Co BTL 5 year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.22% Fixed for 5 Years | 7.84% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their 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 fixed rate for 2 years fixed at 5.20% and then on our Standard Variable Rate (SVR) of 7.84% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £17.81, followed by
24 monthly repayments of £539.41, followed by
276 monthly repayments of £811.53
1 final payment of £125,000.00
The total amount payable would be £362,085.93 made up of the loan amount of £125,000.00 plus interest (£236,945.93), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.6% 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.
