Mortgages for
real life.
Life isn’t one size fits all, and neither are our mortgages. Use our product finder to browse our current range of deals – whether your client is purchasing or remortgaging for the first time, last time or any time. Can’t find what you need? We’re here to help.
Mortgage Name
Rate
Initial Rate
APRC
Rate Term
Max loan amount
Max LTV
Full Details
Residential 2 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.09%
APRC
7.6%
Rate Term
2 year
Max loan amount
£2m
Max LTV
80%
Residential 5 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.09%
APRC
7.3%
Rate Term
5 year
Max loan amount
£2m
Max LTV
80%
Residential 2 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 90% LTV
Fixed
Fixed
Initial Rate
5.35%
APRC
7.7%
Rate Term
2 year
Max loan amount
£650,000
Max LTV
90%
Residential 5 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 90% LTV
Fixed
Fixed
Initial Rate
5.35%
APRC
7.4%
Rate Term
5 year
Max loan amount
£650,000
Max LTV
90%
Residential 2 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 95% LTV
Fixed
Fixed
Initial Rate
5.59%
APRC
7.7%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
95%
Residential 5 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 95% LTV
Fixed
Fixed
Initial Rate
5.49%
APRC
7.5%
Rate Term
5 year
Max loan amount
£500,000
Max LTV
95%
Residential 2 Year Discount Rate (Capital & Interest) – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.00% (SVR minus 3.44%)
APRC
7.6%
Rate Term
2 year
Max loan amount
£2m
Max LTV
80%
Residential 2 Year Discount Rate (Capital & Interest) – for purchase or remortgage up to 95% LTV
Variable
Variable
Initial Rate
5.60% (SVR minus 2.84%)
APRC
7.7%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
95%
Residential 2 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.39%
APRC
7.8%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Residential 5 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.39%
APRC
7.5%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Residential 2 Year Discount Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.25% (SVR minus 3.19%)
APRC
6.4%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Eco Self Build & Renovation 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.85% (SVR minus 2.59%)
APRC
7.6%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Self Build & Renovation 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.95% (SVR minus 2.49%)
APRC
7.6%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Self Build & Renovation Large Loan 2 Year Discount Rate – for purchase or remortgage up to 70% LTV
Variable
Variable
Initial Rate
6.05% (SVR minus 2.39%)
APRC
8.1%
Rate Term
2 year
Max loan amount
£2m
Max LTV
70%
Buy To Let Light Refurbishment 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.50% (SVR minus 2.94%)
APRC
8.1%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let Light Refurbishment 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.89%
APRC
8.2%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.79%
APRC
8.2%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.40% (SVR minus 3.04%)
APRC
8.0%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Holiday Let 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.79%
APRC
7.8%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Holiday Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.89%
APRC
8.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Holiday Let 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.54% (SVR minus 2.90%)
APRC
7.9%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Residential 2 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.79%
APRC
7.7%
Rate Term
2 year
Max loan amount
£2m
Max LTV
80%
Expat Residential 5 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.59%
APRC
7.4%
Rate Term
5 year
Max loan amount
£2m
Max LTV
80%
Expat Residential 5 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.79%
APRC
7.7%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Expat Residential 2 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.99%
APRC
7.9%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Residential 2 Year Discount Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.64% (SVR minus 2.80%)
APRC
6.8%
Rate Term
2 year
Max loan amount
£2m
Max LTV
80%
Expat Residential 2 Year Discount Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.84% (SVR minus 2.60%)
APRC
7.4%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Buy to Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.85%
APRC
8.2%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Buy to Let 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.65%
APRC
7.6%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Expat Buy To Let 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.70% (SVR minus 2.74%)
APRC
8.1%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Holiday Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
6.09%
APRC
8.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Holiday Let 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Fixed
Initial Rate
5.89%
APRC
7.8%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Expat Holiday Let 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Variable
Initial Rate
5.79% (SVR minus 2.65%)
APRC
8.1%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Green Additional Borrowing (Residential) 2 Year Fixed Rate – up to 90% LTV
Fixed
Fixed
Initial Rate
4.89%
APRC
7.0%
Rate Term
2 year
Max loan amount
£40,000
Max LTV
90%
Green Additional Borrowing (Residential) 2 Year Discount Rate – up to 90% LTV
Variable
Variable
Initial Rate
4.74% (SVR minus 3.70%)
APRC
7.0%
Rate Term
2 year
Max loan amount
£40,000
Max LTV
90%
Green Additional Borrowing (Buy to Let) 2 Year Discount Rate – up to 80% LTV
Variable
Variable
Initial Rate
5.14% (SVR minus 3.30%)
APRC
8.0%
Rate Term
2 year
Max loan amount
£40,000
Max LTV
80%
Additional Borrowing (Residential) Standard Variable Rate – up to 90% LTV
Variable
Variable
Initial Rate
8.44% (SVR)
APRC
9.1%
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Residential) 2 Year Discount Rate – up to 90% LTV
Variable
Variable
Initial Rate
5.34% (SVR minus 3.10%)
APRC
7.4%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Residential) 2 Year Fixed Rate – up to 90% LTV
Fixed
Fixed
Initial Rate
5.39%
APRC
7.4%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Self Build) Standard Variable Rate – up to 80% LTV
Variable
Variable
Initial Rate
8.44% (SVR)
APRC
8.9%
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Holiday Let) Discount Rate – up to 80% LTV
Variable
Variable
Initial Rate
5.84% (SVR minus 2.60%)
APRC
8.2%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Buy To Let) Discount Rate – up to 80% LTV
Variable
Variable
Initial Rate
5.84% (SVR minus 2.60%)
APRC
8.2%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Buy To Let) Standard Variable Rate – up to 80% LTV
Variable
Variable
Initial Rate
8.44% (SVR)
APRC
8.9%
Max loan amount
£500,000
Max LTV
80%
All you need to know
Lending criteria.
Our expert underwriters consider every situation individually. Check our residential and BTL lending criteria.
It all adds up
Calculators.
Our affordability calculators can help you get a better idea of your clients’ potential to borrow the amount they need.
How to do business with us.
Ready to get started? We’re here to help.
From our blog
What’s new.
Our blog contains the latest goings-on and updates across the Society, so here’s where you can check out our latest product updates, mortgage news, insights and more.
Our regular emails include our latest news, so if you don’t already receive our updates get in touch and sign up. You can also follow us on Twitter and LinkedIn.
Base rate and our SVR
Changes to our lending criteria
Now accepting multi-currency applications
Joint borrower sole proprietor – Resi, BTL and holiday let applications
Expat Holiday Let – Rates Down. Max Loans Up
All our mortgage offers are now valid for 6 months. Additional Borrowing and Porting offers are valid for 3 months.