Date Printed: 25 August 2025
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Mortgage Products | Term | Initial Rate1 | Overall Cost for Comparison2 | MAX LTV3 | Early Repayment Change | Product Fees | See Representative Example | |||||||||||
Buy to Let Mortgages (6) |
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Last Updated:15 August 2025
Family Buy to Let 2 Year Discounted Variable Rate – DIB099
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Term:2 years |
Initial Rate1:5.19% variable |
Overall Cost for Comparison2:7.9% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096
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Term:2 years |
Initial Rate1:5.35% variable |
Overall Cost for Comparison2:7.7% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
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Term:2 years |
Initial Rate1:5.64% variable |
Overall Cost for Comparison2:7.8% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093
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Term:2 years |
Initial Rate1:5.38% variable |
Overall Cost for Comparison2:7.7% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Buy to Let – DIB091
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Term:2 years |
Initial Rate1:4.99% variable |
Overall Cost for Comparison2:7.6% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.39% variable |
Overall Cost for Comparison2:7.8% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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First Time Buyer (7) |
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX286
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Term:2 years |
Initial Rate1:6.45% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID180
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID179
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID178
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Term:2 years |
Initial Rate1:4.55% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:Up to 80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
House Purchase Only 2 Year Fixed Rate – DIX287
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Term:2 years |
Initial Rate1:6.75% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX285
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate House Purchase Only – DID181
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Term:2 years |
Initial Rate1:5.49% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Holiday Lets (2) |
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
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Term:2 years |
Initial Rate1:5.64% variable |
Overall Cost for Comparison2:7.8% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.39% variable |
Overall Cost for Comparison2:7.8% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Interest Only (5) |
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX286
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Term:2 years |
Initial Rate1:6.45% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID180
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID179
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID178
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Term:2 years |
Initial Rate1:4.55% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:Up to 80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX285
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Moving Home (7) |
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX286
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Term:2 years |
Initial Rate1:6.45% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID180
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID179
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID178
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Term:2 years |
Initial Rate1:4.55% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:Up to 80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
House Purchase Only 2 Year Fixed Rate – DIX287
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Term:2 years |
Initial Rate1:6.75% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX285
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate House Purchase Only – DID181
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Term:2 years |
Initial Rate1:5.49% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Remortgage (5) |
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX286
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Term:2 years |
Initial Rate1:6.45% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID180
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID179
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID178
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Term:2 years |
Initial Rate1:4.55% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:Up to 80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX285
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Retirement (5) |
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX286
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Term:2 years |
Initial Rate1:6.45% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID180
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID179
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Discounted Variable Rate – DID178
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Term:2 years |
Initial Rate1:4.55% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:Up to 80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:15 August 2025
2 Year Fixed Rate – DIX285
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.3% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Shared Ownership (2) |
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Last Updated:19 August 2025
Shared Ownership Fixed Rate until 31 January 2031 – SX-043
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Term:Until 31 January 2031 |
Initial Rate1:5.39% |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:3% until 31 January 2029, 2% until 31 January 2030, 1% until 31 January 2031 |
Product Fees:None |
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Representative Example:A mortgage of £129,675.00 payable over 29 years initially on a fixed rate of 5.39% until 31 January 2031 and then on our current standard variable rate of 8.29% for the remaining 23 years 7 months would require 64 monthly payments of £738.38 and 283 monthly payments of £952.01; plus one initial interest payment of £574.48. The total amount payable would be £317,749.63 made up of the loan amount, plus interest and fee(s) totalling £188,074.63. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 7.3% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. |
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Last Updated:19 August 2025
Shared Ownership 2 Year Fixed Rate – SX-042
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:8.2% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:None |
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Representative Example:A mortgage of £112,121.00 payable over 33 years initially on a fixed rate of 5.99% for 2 years and then on our current standard variable rate of 8.29% for the remaining 31 years would require 23 monthly payments of £650.71 and 372 monthly payments of £822.88; plus one initial interest payment of £552.00. The total amount payable would be £322,129.69 made up of the loan amount, plus interest and fee(s) totalling £210,008.69. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 8.2% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. |
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