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: 15589 Remortgage: 72663
Fixed
Initial Rate
4.95%
APRC
7.5%
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: 15573 Remortgage: 72651
Fixed
Initial Rate
5.09%
APRC
7.0%
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: 15592 Remortgage: 72666
Fixed
Initial Rate
5.09%
APRC
7.5%
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: 15577 Remortgage: 72655
Fixed
Initial Rate
5.15%
APRC
7.1%
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: 15594 Remortgage: 72668
Fixed
Initial Rate
5.35%
APRC
7.6%
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: 15546 Remortgage: 72632
Fixed
Initial Rate
5.20%
APRC
7.1%
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: 11301 Remortgage: 67342
Variable
Initial Rate
4.75% (SVR minus 2.99%)
APRC
7.5%
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: 11303 Remortgage: 67344
Variable
Initial Rate
4.95% (SVR minus 2.79%)
APRC
7.5%
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: 15591 Remortgage: 72665
Fixed
Initial Rate
5.15%
APRC
7.2%
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
Product ID: Purchase: 15599 Remortgage: 72673
Fixed
Initial Rate
5.29%
APRC
6.3%
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
Product ID: Purchase: 11302 Remortgage: 67343
Variable
Initial Rate
4.95% (SVR minus 2.79%)
APRC
7.5%
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
Product ID: Purchase: 46151 Remortgage: 46152
Variable
Initial Rate
5.69% (SVR minus 2.05%)
APRC
7.3%
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: 46147 Remortgage: 46148
Variable
Initial Rate
5.79% (SVR minus 1.95%)
APRC
7.4%
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: 46149 Remortgage: 46150
Variable
Initial Rate
5.89% (SVR minus 1.85%)
APRC
7.6%
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: 24301 Remortgage: 24302
Variable
Initial Rate
5.19% (SVR minus 2.55%)
APRC
6.8%
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: 29588 Remortgage: 29589
Fixed
Initial Rate
5.35%
APRC
5.9%
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: 29584 Remortgage: 29585
Fixed
Initial Rate
5.29%
APRC
6.7%
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: 29586 Remortgage: 29587
Fixed
Initial Rate
5.25%
APRC
5.8%
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: 29582 Remortgage: 29583
Fixed
Initial Rate
5.19%
APRC
6.6%
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: 24299 Remortgage: 24300
Variable
Initial Rate
5.09% (SVR minus 2.65%)
APRC
6.8%
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: 29592 Remortgage: 29593
Fixed
Initial Rate
5.29%
APRC
7.0%
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: 29590 Remortgage: 29591
Fixed
Initial Rate
5.45%
APRC
7.5%
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: 24303 Remortgage: 24304
Variable
Initial Rate
5.15% (SVR minus 2.59%)
APRC
7.4%
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: 15604 Remortgage: 72678
Fixed
Initial Rate
5.59%
APRC
7.4%
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: 15600 Remortgage: 72674
Fixed
Initial Rate
5.29%
APRC
7.3%
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: 15605 Remortgage: 72679
Fixed
Initial Rate
5.55%
APRC
6.9%
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: 15601 Remortgage: 72675
Fixed
Initial Rate
5.25%
APRC
6.7%
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: 15603 Remortgage: 72677
Fixed
Initial Rate
5.45%
APRC
7.1%
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
Product ID: Purchase: 15602 Remortgage: 72676
Fixed
Initial Rate
5.49%
APRC
7.5%
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 90% LTV
Variable
Product ID: Purchase: 11306 Remortgage: 67347
Variable
Initial Rate
5.59% (SVR minus 2.15%)
APRC
7.5%
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: 11304 Remortgage: 67345
Variable
Initial Rate
5.39% (SVR minus 2.35%)
APRC
7.5%
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: 11305 Remortgage: 67346
Variable
Initial Rate
5.59% (SVR minus 2.15%)
APRC
7.6%
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: 29594 Remortgage: 29595
Fixed
Initial Rate
5.44%
APRC
7.5%
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: 29596 Remortgage: 29597
Fixed
Initial Rate
5.45%
APRC
7.0%
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: 24305 Remortgage: 24306
Variable
Initial Rate
5.35% (SVR minus 2.39%)
APRC
7.5%
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: 29598 Remortgage: 29599
Fixed
Initial Rate
5.89%
APRC
7.6%
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: 29530 Remortgage: 29531
Fixed
Initial Rate
5.64%
APRC
7.1%
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: 24307 Remortgage: 24308
Variable
Initial Rate
5.59% (SVR minus 2.15%)
APRC
7.6%
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: 79030
Fixed
Initial Rate
4.84%
APRC
7.1%
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: 78041
Variable
Initial Rate
4.14% (SVR minus 3.60%)
APRC
6.9%
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: 78044
Variable
Initial Rate
4.54% (SVR minus 3.20%)
APRC
7.3%
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: 78040
Variable
Initial Rate
4.79% (SVR minus 2.95%)
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
Product ID: 79028
Fixed
Initial Rate
5.39%
APRC
7.6%
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: 78045
Variable
Initial Rate
6.74% (SVR minus 1.00%)
APRC
7.9%
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: 78043
Variable
Initial Rate
5.29% (SVR minus 2.45%)
APRC
7.5%
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: 78042
Variable
Initial Rate
5.29% (SVR minus 2.45%)
APRC
7.5%
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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Base rate and our SVR
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