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Existing Customer Residential Product Range



Existing Customer Residential Product Range


  • All product information correct as at 08/01/2018
  • Lending Fee £195 may apply (due on completion but payment can be deferred until mortgage is fully repaid)
  • If a product fee is due, it will need to be paid before completion


Standard Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2L2
5 Year 2.9% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 3.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2L3
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2L4
5 Year 3.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2L5
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2L6
5 Year 4.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2L7
 

All

2 Years 4.79% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.7% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2L8
5 Year 4.99% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2L9
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.5% APRC £0 None BAG
 

Help to Buy Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2M2
5 Year 2.9% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 3.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2M3
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2M4
5 Year 3.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2M5
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2M6
5 Year 4.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2M7
 

All

2 Year 4.79% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.7% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2M8
5 Year 4.99% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2M9
 

Self Certification Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 3.49% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.4% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2N2
5 Year 3.79% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.3% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2N3
 

All

2 Year 5.49% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.9% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2N4
5 Year 5.79% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.4% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2N5
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.2% APRC £0 None BAM
 

First Start Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.5% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.2% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2N6
5 Year 3.1% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2N7
 

All

2 Year 4.99% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.7% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2N8
5 Year 5.19% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2N9
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.6% APRC £0 None VL9
 


Standard, Self Certification and First Start representative example:

A mortgage of £100,152 payable over 15 years initially on a fixed rate for 2 years at 2.40% and then on our current variable rate of 4.49% for the remaining 13 years would require 24 monthly payments of £663 and 156 monthly payments of £752.

The total amount payable would be £133,474 made up of the loan amount plus interest (£33,128), product fee (£0), valuation fee (£0), funds transfer fee (£0), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.0% APRC representative.

 
 

Help to Buy representative example:

A mortgage of £100,152 payable over 15 years initially on a fixed rate for 2 years at 2.40% and then on our current variable rate of 4.49% for the remaining 13 years would require 24 monthly payments of £663 and 156 monthly payments of £752.

The total amount payable would be £133,489 made up of the loan amount plus interest (£33,128), product fee (£0), valuation fee (£0), funds transfer fee (£15), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.0% APRC representative.

 
 

If you're unsure of which mortgage product to select and you'd like us to assess the suitability of our mortgage products against your needs and circumstances, then please call us on 0345 603 1936* for further details.