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: 15541 Remortgage: 72627
Fixed
Initial Rate
5.09%
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: 15529 Remortgage: 72617
Fixed
Initial Rate
4.95%
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
Product ID: Purchase: 15543 Remortgage: 72629
Fixed
Initial Rate
5.35%
APRC
8.0%
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: 15544 Remortgage: 72630
Fixed
Initial Rate
5.05%
APRC
7.3%
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: 15545 Remortgage: 72631
Fixed
Initial Rate
5.54%
APRC
8.0%
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
7.3%
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: 11284 Remortgage: 67328
Variable
Initial Rate
4.80% (SVR minus 3.34%)
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: 11286 Remortgage: 67330
Variable
Initial Rate
5.40% (SVR minus 2.74%)
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: 15542 Remortgage: 72628
Fixed
Initial Rate
5.35%
APRC
7.5%
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: 15530 Remortgage: 72618
Fixed
Initial Rate
5.25%
APRC
6.5%
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
Product ID: Purchase: 11285 Remortgage: 67329
Variable
Initial Rate
5.05% (SVR minus 3.09%)
APRC
7.8%
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: 46138 Remortgage: 46139
Variable
Initial Rate
5.85% (SVR minus 2.29%)
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
Product ID: Purchase: 46134 Remortgage: 46135
Variable
Initial Rate
5.95% (SVR minus 2.19%)
APRC
7.7%
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: 46136 Remortgage: 46137
Variable
Initial Rate
6.05% (SVR minus 2.09%)
APRC
8.0%
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: 24288 Remortgage: 24289
Variable
Initial Rate
5.35% (SVR minus 2.79%)
APRC
7.6%
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: 29515 Remortgage: 29516
Fixed
Initial Rate
5.49%
APRC
6.0%
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: 29513 Remortgage: 29514
Fixed
Initial Rate
5.65%
APRC
7.1%
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: 29511 Remortgage: 29512
Fixed
Initial Rate
5.39%
APRC
5.9%
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: 29509 Remortgage: 29510
Fixed
Initial Rate
5.55%
APRC
7.1%
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: 24286 Remortgage: 24287
Variable
Initial Rate
5.25% (SVR minus 2.89%)
APRC
7.5%
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: 29528 Remortgage: 29529
Fixed
Initial Rate
5.35%
APRC
7.4%
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: 29526 Remortgage: 29527
Fixed
Initial Rate
5.55%
APRC
7.4%
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: 24284 Remortgage: 24285
Variable
Initial Rate
5.30% (SVR minus 2.84%)
APRC
7.7%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Residential 3 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15547 Remortgage: 72633
Fixed
Initial Rate
5.49%
APRC
7.4%
Rate Term
3 year
Max loan amount
£2m
Max LTV
80%
Expat Residential 2 Year Fixed Rate (Capital & Interest Repayment) – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 15536 Remortgage: 72623
Fixed
Initial Rate
5.69%
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: 15537 Remortgage: 72624
Fixed
Initial Rate
5.49%
APRC
7.0%
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: 15539 Remortgage: 72626
Fixed
Initial Rate
5.69%
APRC
7.4%
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: 15538 Remortgage: 72625
Fixed
Initial Rate
5.89%
APRC
8.0%
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
Product ID: Purchase: 11287 Remortgage: 67331
Variable
Initial Rate
5.49% (SVR minus 2.65%)
APRC
7.8%
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
Product ID: Purchase: 11288 Remortgage: 67332
Variable
Initial Rate
5.69% (SVR minus 2.45%)
APRC
8.0%
Rate Term
2 year
Max loan amount
£1m
Max LTV
80%
Expat Buy to Let 3 Year Fixed Rate – for purchase or remortgage up to 80% LTV
Fixed
Product ID: Purchase: 29532 Remortgage: 29533
Fixed
Initial Rate
5.49%
APRC
7.6%
Rate Term
3 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: 29517 Remortgage: 29518
Fixed
Initial Rate
5.70%
APRC
7.9%
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: 29519 Remortgage: 29520
Fixed
Initial Rate
5.60%
APRC
7.3%
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: 24290 Remortgage: 24291
Variable
Initial Rate
5.45% (SVR minus 2.69%)
APRC
8.0%
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: 29521 Remortgage: 29522
Fixed
Initial Rate
5.89%
APRC
8.0%
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
7.4%
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: 24292 Remortgage: 24293
Variable
Initial Rate
5.60% (SVR minus 2.54%)
APRC
7.8%
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: 79029
Fixed
Initial Rate
4.89%
APRC
7.5%
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: 78033
Variable
Initial Rate
4.44% (SVR minus 3.70%)
APRC
7.4%
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: 78036
Variable
Initial Rate
4.84% (SVR minus 3.30%)
APRC
7.8%
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: 78032
Variable
Initial Rate
5.04% (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: 79029
Fixed
Initial Rate
5.39%
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: 83013
Variable
Initial Rate
8.14% (SVR)
APRC
8.6%
Max loan amount
£500,000
Max LTV
80%
Additional Borrowing (Holiday Let) Discount Rate – up to 80% LTV
Variable
Product ID: 78035
Variable
Initial Rate
5.54% (SVR minus 2.60%)
APRC
8.0%
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: 78034
Variable
Initial Rate
5.54% (SVR minus 2.60%)
APRC
8.0%
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.
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.