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
Product ID: Purchase: 15480 Remortgage: 72573
Fixed
Initial Rate
5.29%
APRC
7.9%
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
Product ID: Purchase: 15469 Remortgage: 72562
Fixed
Initial Rate
4.99%
APRC
7.5%
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
Product ID: Purchase: 15484 Remortgage: 72577
Fixed
Initial Rate
5.55%
APRC
8.0%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Residential 5 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 90% LTV
Fixed
Product ID: Purchase: 15474 Remortgage: 72567
Fixed
Initial Rate
5.19%
APRC
7.5%
Rate Term
5 year
Max loan amount
£500,000
Max LTV
90%
Residential 2 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 95% LTV
Fixed
Product ID: Purhase: 15485, Remortgage: 72578
Fixed
Initial Rate
5.89%
APRC
7.9%
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
Product ID: Purchase: 15487, Remortgage: 72580
Fixed
Initial Rate
5.39%
APRC
7.6%
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
Product ID: Purchase: 11272 Remortgage: 67319
Variable
Initial Rate
5.25% (SVR minus 3.44%)
APRC
7.8%
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
Product ID: Purchase: 11274 Remortgage: 67321
Variable
Initial Rate
5.85% (SVR minus 2.84%)
APRC
8.0%
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
Product ID: Purchase: 15482 Remortgage: 72575
Fixed
Initial Rate
5.44%
APRC
8.0%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Residential 5 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15483 Remortgage: 72576
Fixed
Initial Rate
5.29%
APRC
7.7%
Rate Term
5 year
Max loan amount
£750,000
Max LTV
80%
Residential 2 Year Discount Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 11273 Remortgage: 67320
Variable
Initial Rate
5.50% (SVR minus 3.19%)
APRC
6.8%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Eco Self Build & Renovation 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 46114 Remortgage: 46115
Variable
Initial Rate
5.99% (SVR minus 2.70%)
APRC
8.4%
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
Product ID: Purchase: 46110 Remortgage: 46111
Variable
Initial Rate
6.09% (SVR minus 2.60%)
APRC
8.5%
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
Product ID: Purchase: 46112 Remortgage: 46113
Variable
Initial Rate
6.19% (SVR minus 2.50%)
APRC
8.3%
Rate Term
2 year
Max loan amount
£2m
Max LTV
70%
Shared Ownership 2 Year Fixed Rate – for purchase, remortage or staircasing up to 95% LTV
Fixed
Product ID: Purchase: 40200 Remortgage: 40201 Staircasing: 40202
Fixed
Initial Rate
5.60%
APRC
8.0%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
95%
Shared Ownership 5 Year Fixed Rate – for purchase, remortgage or staircasing – up to 95% LTV
Fixed
Product ID: Purchase: 40203 Remortgage: 40204 Staircasing: 40205
Fixed
Initial Rate
5.25%
APRC
7.7%
Rate Term
5 year
Max loan amount
£500,000
Max LTV
95%
Buy To Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV (3% Fee)
Fixed
Product ID: Purchase: 29411 Remortgage: 29412
Fixed
Initial Rate
4.79%
APRC
8.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let Light Refurbishment 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 24264 Remortgage: 24265
Variable
Initial Rate
5.75% (SVR minus 2.94%)
APRC
8.4%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let Light Refurbishment 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29405 Remortgage: 29406
Fixed
Initial Rate
5.89%
APRC
7.6%
Rate Term
5 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
Product ID: Purchase: 29413 Remortgage: 29414
Fixed
Initial Rate
5.79%
APRC
8.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Buy To Let 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29403 Remortgage: 29404
Fixed
Initial Rate
5.79%
APRC
7.6%
Rate Term
5 year
Max loan amount
£1m
Max LTV
80%
Buy To Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29409 Remortgage: 29410
Fixed
Initial Rate
5.69%
APRC
8.3%
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
Product ID: Purchase: 24262 Remortgage: 24263
Variable
Initial Rate
5.65% (SVR minus 3.04%)
APRC
8.4%
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
Product ID: Purchase: 29423 Remortgage: 29424
Fixed
Initial Rate
5.69%
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
Product ID: Purchase: 29415 Remortgage: 29416
Fixed
Initial Rate
5.80%
APRC
8.5%
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
Product ID: Purchase: 24260 Remortgage: 24261
Variable
Initial Rate
5.79% (SVR minus 2.90%)
APRC
8.2%
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
Product ID: Purchase: 15475 Remortgage: 72568
Fixed
Initial Rate
5.79%
APRC
7.9%
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
Product ID: Purchase: 15478 Remortgage: 72571
Fixed
Initial Rate
5.59%
APRC
7.6%
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
Product ID: Purchase: 15479 Remortgage: 72572
Fixed
Initial Rate
5.89%
APRC
8.0%
Rate Term
5 year
Max loan amount
£750,000
Max LTV
80%
Expat Residential 2 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15476 Remortgage: 72569
Fixed
Initial Rate
6.09%
APRC
8.2%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Expat Residential 2 Year Discount Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 11266 Remortgage: 67313
Variable
Initial Rate
5.89% (SVR minus 2.80%)
APRC
8.0%
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
Product ID: Purchase: 11267 Remortgage: 67314
Variable
Initial Rate
6.09% (SVR minus 2.60%)
APRC
8.2%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Expat Buy to Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV (3% Fee)
Fixed
Product ID: Purchase: 29421, Remortgage: 29422
Fixed
Initial Rate
5.29%
APRC
8.5%
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
Product ID: Purchase: 29419, Remortgage: 29420
Fixed
Initial Rate
5.99%
APRC
8.3%
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
Product ID: Purchase: 29425 Remortgage: 29426
Fixed
Initial Rate
5.80%
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
Product ID: Purchase: 24266 Remortgage: 24267
Variable
Initial Rate
5.95% (SVR minus 2.74%)
APRC
8.4%
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
Product ID: Purchase: 29417, Remortgage: 29418
Fixed
Initial Rate
6.09%
APRC
8.6%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Expat Holiday Let 5 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29399, Remortgage: 29400
Fixed
Initial Rate
6.09%
APRC
8.0%
Rate Term
5 year
Max loan amount
£750,000
Max LTV
80%
Expat Holiday Let 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 24268, Remortgage: 24269
Variable
Initial Rate
6.19% (SVR minus 2.50%)
APRC
8.4%
Rate Term
2 year
Max loan amount
£750,000
Max LTV
80%
Green Additional Borrowing (Residential) 2 Year Fixed Rate – up to 90% LTV
Fixed
Product ID: 79025
Fixed
Initial Rate
5.09%
APRC
6.4%
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
Product ID: 78028
Variable
Initial Rate
4.99% (SVR minus 3.70%)
APRC
6.3%
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
Product ID: 78031
Variable
Initial Rate
5.39% (SVR minus 3.30%)
APRC
7.7%
Rate Term
2 year
Max loan amount
£40,000
Max LTV
80%
Additional Borrowing (Residential) Standard Variable Rate – up to 90% LTV
Variable
Product ID: 83009
Variable
Initial Rate
8.69% (SVR)
APRC
10.8%
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Residential) 2 Year Discount Rate – up to 90% LTV
Variable
Product ID: 78027
Variable
Initial Rate
5.59% (SVR minus 3.10%)
APRC
7.9%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Residential) 2 Year Fixed Rate – up to 90% LTV
Fixed
Product ID: 79024
Fixed
Initial Rate
5.69%
APRC
8.0%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Self Build) Standard Variable Rate – up to 80% LTV
Variable
Product ID: 83010
Variable
Initial Rate
8.69% (SVR)
APRC
9.6%
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Holiday Let) Discount Rate – up to 80% LTV
Variable
Product ID: 78030
Variable
Initial Rate
6.09% (SVR minus 2.60%)
APRC
8.1%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Buy To Let) Discount Rate – up to 80% LTV
Variable
Product ID: 78029
Variable
Initial Rate
6.09% (SVR minus 2.60%)
APRC
8.1%
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
Product ID: 82005
Variable
Initial Rate
8.69% (SVR)
APRC
9.2%
Rate Term
3 year
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.
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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.
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Base rate and our SVR
All our mortgage offers are now valid for 6 months
We’re kicking off July with a focus on large loans
We’ve been nurturing later life lending for years…
Smoking Hot Resi News – rate reductions
Reduced rates on selected products
New 125% ICR tier