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Date Printed: 5 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)

Last Updated:31 July 2025
Family Buy to Let 2 Year Discounted Variable Rate – DIB099

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:30 June 2025
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50
Last Updated:30 June 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50
Last Updated:30 June 2025
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50
Last Updated:30 June 2025
2 Year Discounted Variable Rate Buy to Let – DIB091

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50
Last Updated:30 June 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

First Time Buyer (7)

Last Updated:31 July 2025
2 Year Fixed Rate – DIX286

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID180

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID179

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID178

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
House Purchase Only 2 Year Fixed Rate – DIX287

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
Last Updated:31 July 2025
2 Year Fixed Rate – DIX285

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate House Purchase Only – DID181

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application

Holiday Lets (2)

Last Updated:30 June 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50
Last Updated:30 June 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

Interest Only (5)

Last Updated:31 July 2025
2 Year Fixed Rate – DIX286

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID180

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID179

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID178

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Fixed Rate – DIX285

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 

Moving Home (7)

Last Updated:31 July 2025
2 Year Fixed Rate – DIX286

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID180

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID179

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID178

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
House Purchase Only 2 Year Fixed Rate – DIX287

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
Last Updated:31 July 2025
2 Year Fixed Rate – DIX285

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate House Purchase Only – DID181

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application

Remortgage (5)

Last Updated:31 July 2025
2 Year Fixed Rate – DIX286

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID180

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID179

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID178

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Fixed Rate – DIX285

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 

Retirement (5)

Last Updated:31 July 2025
2 Year Fixed Rate – DIX286

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID180

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID179

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Discounted Variable Rate – DID178

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 
Last Updated:31 July 2025
2 Year Fixed Rate – DIX285

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

Representative Example:

  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

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.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.29% £1,829.00 £2,243.50 £3,072.50

 

Shared Ownership (2)

Last Updated:30 June 2025
Shared Ownership Fixed Rate until 30 September 2030 – SX-041

Term:

Until 30 September 2030

Initial Rate1:

5.39%

Overall Cost for Comparison2:

6.4% APRC

MAX LTV3:

95% of the share being purchased, 75% property value

Early Repayment Change:

3% until 30 September 2028, 2% until 30 September 2029, 1% until 30 September 2030

Product Fees:

None

Representative Example:

A mortgage of £86,000.00 payable over 40 years initially on a fixed rate of 5.39% until 30 September 2030 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.29%) giving a rate of 6.55% variable for the remaining 34 years 9 months would require 62 monthly payments of £437.40 and 417 monthly payments of £501.33; plus one initial interest payment of £393.69.

The total amount payable would be £237,067.10 made up of the loan amount, plus interest and fee(s) totalling £151,067.10. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.4% 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.
Last Updated:30 June 2025
Shared Ownership 2 Year Fixed Rate – SX-037

Term:

2 years

Initial Rate1:

5.99%

Overall Cost for Comparison2:

6.7% 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

Representative Example:

A mortgage of £110,200 payable over 27 years initially on a fixed rate of 5.99% for 2 years then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.29%) giving a rate of 6.55% variable for the remaining 25 years would require 23 monthly payments of £687.80 and 300 monthly payments of £724.75; plus one initial interest payment of £560.63.

The total amount payable would be £234,305.03 made up of the loan amount, plus interest and fee(s) totalling £124,105.03. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.7% 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.

Definitions

1. Initial Rate

The Initial Rate is the rate available during the initial term of the mortgage. Once the initial rate term has expired, the mortgage will either revert to our Standard Variable Rate (SVR), or a follow-on rate that is a discount off our SVR. Our SVR is set by us and is currently 8.49%, as a variable rate it may go up or down. Our follow-on rate is 1.74% below our SVR (currently 6.75% variable) and will go up or down with changes to our SVR.

2. Overall Cost for Comparison

The Overall Cost for Comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all charges incurred relating to the mortgage. The APRC is intended to help you as a borrower compare the interest rates on different products.

3. Max LTV

Like all other mortgage lenders, we will allow you to borrow against a proportion of the overall property value. This is known as Loan to Value (LTV) and is expressed as a percentage. For example, if you want to purchase a property at £100,000 and you would like to borrow £85,000, then you will need a mortgage available at 85% Loan to Value (LTV). The available LTV can vary depending upon the type of mortgage. Shared Ownership mortgages will offer two percentages under LTV - the proportion of the property value and the proportion of the share being purchased.
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