An exclusive offer to first time buyers with a free basic valuation and £500 cashback at completion

Up to 95% LTV across our full range of mortgage products

All our standard remortgage products offer a free basic valuation and fees assisted legals

# Our latest rates

These are our fixed rates right now, but they’re subject to change. So if you like what you see, head over to the portal to start an application today.

- Purchase
- Remortgage
- First-time buyer

- Loan Value Under £350,000
- Loan Value Over £350,000

# 60% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 2 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 3 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### 5 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

# 75% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 2 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 3 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### 5 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

# 80% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 2 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 3 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### 5 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

# 85% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 2 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 3 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### 5 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

# 90% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 2 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 3 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### 5 year fixed

£900 product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

# 95% LTV

### 2 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Mon Jan 31 2022**

### 3 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Tue Jan 31 2023**

### 5 year fixed

No product fee**(SVR)**Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.SVR

**(APR)**Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.APR

**Fri Jan 31 2025**

### Representative example:

A remortgage of £170,000 at 80% loan to value with an assumed start date of 01/04/2019 payable over 25 years initially on a fixed rate of 2.14% for 5 years and then on our current standard variable rate of 4% for the remaining 20 years would require 60 months monthly payments of £738.66 and 240 monthly payments of £873.47.

The total amount payable would be £253,943.02 made up of the loan amount plus interest of £82,443.02, a product fee of £1500 and a valuation fee of £0.

Please refer to your Mortgage Illustration for details on other fees payable on your mortgage.

The overall cost for comparison is 3.4% APRC Representative.

Your first monthly payment will be higher as it includes interest from the date the funds are released as well as the monthly repayment.

**The amount payable could change as a result of changes in the Standard Variable Rate. Your home may be repossessed if you do not keep up your repayments on your mortgage.**