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: 15634 Remortgage: 72708
Fixed
Initial Rate
4.79%
APRC
7.2%
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: 15635 Remortgage: 72709
Fixed
Initial Rate
4.95%
APRC
6.7%
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: 15638 Remortgage: 72712
Fixed
Initial Rate
4.99%
APRC
7.2%
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
Product ID: Purchase: 15639 Remortgage: 72713
Fixed
Initial Rate
5.09%
APRC
6.8%
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
Product ID: Purhase: 15640 Remortgage: 72714
Fixed
Initial Rate
5.35%
APRC
7.3%
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: 15641 Remortgage: 72715
Fixed
Initial Rate
5.39%
APRC
6.9%
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: 11307 Remortgage: 67348
Variable
Initial Rate
4.70% (SVR minus 2.79%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£2m
Max LTV
80%
Residential 2 Year Discount Rate (Capital & Interest) – for purchase or remortgage up to 90% LTV
Variable
Product ID: Purchase: 11309 Remortgage: 67350
Variable
Initial Rate
4.90% (SVR minus 2.59%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£650,000
Max LTV
90%
Residential 2 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15636 Remortgage: 72710
Fixed
Initial Rate
4.99%
APRC
7.3%
Rate Term
2 year
Max loan amount
£1.5m
Max LTV
80%
Residential 5 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15637 Remortgage: 72711
Fixed
Initial Rate
5.15%
APRC
6.8%
Rate Term
5 year
Max loan amount
£1.5m
Max LTV
80%
Residential 2 Year Discount Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 11308 Remortgage: 67349
Variable
Initial Rate
4.90% (SVR minus 2.59%)
APRC
7.0%
Rate Term
2 year
Max loan amount
£1.5m
Max LTV
80%
Eco Self Build & Renovation 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 46165 Remortgage: 46166
Variable
Initial Rate
5.45% (SVR minus 2.04%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Self Build & Renovation 2 Year Discount Rate – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 46167 Remortgage: 46168
Variable
Initial Rate
5.95% (SVR minus 1.54%)
APRC
7.4%
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: 46161 Remortgage: 46162
Variable
Initial Rate
5.55% (SVR minus 1.94%)
APRC
7.3%
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: 46163 Remortgage: 46164
Variable
Initial Rate
5.65% (SVR minus 1.84%)
APRC
7.1%
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
Product ID: Purchase: 24313 Remortgage: 24314
Variable
Initial Rate
5.09% (SVR minus 2.40%)
APRC
6.6%
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: 29648 Remortgage: 29649
Fixed
Initial Rate
5.29%
APRC
5.8%
Rate Term
5 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: 29646 Remortgage: 29647
Fixed
Initial Rate
5.19%
APRC
5.6%
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: 29644 Remortgage: 29645
Fixed
Initial Rate
5.09%
APRC
6.5%
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: 24311 Remortgage: 24312
Variable
Initial Rate
4.99% (SVR minus 2.50%)
APRC
6.6%
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: 29642 Remortgage: 29643
Fixed
Initial Rate
5.29%
APRC
6.7%
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: 29640 Remortgage: 29641
Fixed
Initial Rate
5.19%
APRC
7.2%
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: 24309 Remortgage: 24310
Variable
Initial Rate
5.09% (SVR minus 2.40%)
APRC
6.7%
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 90% LTV
Fixed
Product ID: Purchase: 15646 Remortgage: 72720
Fixed
Initial Rate
5.49%
APRC
6.8%
Rate Term
2 year
Max loan amount
£650,000
Max LTV
90%
Expat Residential 2 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15642 Remortgage: 72716
Fixed
Initial Rate
5.15%
APRC
6.6%
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 90% LTV
Fixed
Product ID: Purchase: 15647 Remortgage: 72721
Fixed
Initial Rate
5.55%
APRC
6.1%
Rate Term
5 year
Max loan amount
£650,000
Max LTV
90%
Expat Residential 5 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15643 Remortgage: 72717
Fixed
Initial Rate
5.25%
APRC
5.9%
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: 15645 Remortgage: 72719
Fixed
Initial Rate
5.45%
APRC
6.5%
Rate Term
5 year
Max loan amount
£1.5m
Max LTV
80%
Expat Residential 2 Year Fixed Rate (Interest Only) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15644 Remortgage: 72718
Fixed
Initial Rate
5.35%
APRC
7.1%
Rate Term
2 year
Max loan amount
£1.5m
Max LTV
80%
Expat Residential 2 Year Discount Rate (Capital & Interest Repayment) – for purchase or remortgage up to 90% LTV
Variable
Product ID: Purchase: 11316 Remortgage: 67356
Variable
Initial Rate
5.35% (SVR minus 2.14%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£650,000
Max LTV
90%
Expat Residential 2 Year Discount Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Variable
Product ID: Purchase: 11314 Remortgage: 67354
Variable
Initial Rate
4.99% (SVR minus 2.50%)
APRC
7.2%
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: 11315 Remortgage: 67355
Variable
Initial Rate
5.19% (SVR minus 2.30%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£1.5m
Max LTV
80%
Expat Buy to Let 2 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29650 Remortgage: 29651
Fixed
Initial Rate
5.29%
APRC
7.3%
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: 29652 Remortgage: 29653
Fixed
Initial Rate
5.35%
APRC
6.9%
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: 24319 Remortgage: 24320
Variable
Initial Rate
5.15% (SVR minus 2.34%)
APRC
6.8%
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: 29636 Remortgage: 29637
Fixed
Initial Rate
5.45%
APRC
7.3%
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
Product ID: Purchase: 29638 Remortgage: 29639
Fixed
Initial Rate
5.49%
APRC
6.8%
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
Product ID: Purchase: 24321 Remortgage: 24322
Variable
Initial Rate
5.40% (SVR minus 2.09%)
APRC
7.3%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Green Additional Borrowing (Residential) 2 Year Fixed Rate – up to 90% LTV
Fixed
Product ID: 79032
Fixed
Initial Rate
4.79%
APRC
6.9%
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: 78047
Variable
Initial Rate
4.09% (SVR minus 3.40%)
APRC
6.7%
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: 78050
Variable
Initial Rate
4.50% (SVR minus 2.99%)
APRC
7.1%
Rate Term
2 year
Max loan amount
£40,000
Max LTV
80%
Additional Borrowing (Residential) 2 Year Discount Rate – up to 90% LTV
Variable
Product ID: 78046
Variable
Initial Rate
4.79% (SVR minus 2.70%)
APRC
6.9%
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: 79031
Fixed
Initial Rate
5.09%
APRC
7.0%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
90%
Additional Borrowing (Self Build) 2 Year Discount – up to 80% LTV
Variable
Product ID: 78051
Variable
Initial Rate
6.49% (SVR minus 1.00%)
APRC
7.6%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Holiday Let) Discount Rate – up to 80% LTV
Variable
Product ID: 78049
Variable
Initial Rate
5.09% (SVR minus 2.40%)
APRC
7.2%
Rate Term
2 year
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Buy To Let) Discount Rate – up to 80% LTV
Variable
Product ID: 78048
Variable
Initial Rate
5.09% (SVR minus 2.40%)
APRC
7.2%
Rate Term
2 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.
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.
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New Year, New Criteria
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