Our Products

Our range of mortgages covers England and Wales, with products designed to support a wide variety of clients - from first-time buyers to those borrowing later in life. We specialise in complex cases, offering personal underwriting and an expert service that makes it easy to speak with us and discuss your clients' needs.

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(F518) 4.49% fixed to 31.01.2028

Initial rate

4.49%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.2% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

£999

Early repayment charge

Yes

(F519) 4.59% fixed to 31.01.2031

Initial rate

4.59%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.5% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

£999

Early repayment charge

Yes

(F520) 4.69% fixed to 31.01.2031

Initial rate

4.69%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.5% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(F522) 4.99% fixed to 31.01.2028

Initial rate

4.99%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.4% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Fees

£999

Early repayment charge

Yes

(F523) 5.09% fixed to 31.01.2031

Initial rate

5.09%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.8% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(F524) 5.39% fixed to 31.01.2031

Initial rate

5.39%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.9% APRC

Maximum loan to value (LTV)

95%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(D169) 2 Year 2.95% Discount (Large Loan)

Initial rate

4.65%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

£1,249

Early repayment charge

Yes

(F521) 4.65% fixed to 31.01.2031 Large Loan

Initial rate

4.65%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.5% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

(C001) 4.75% fixed to 31.01.2028 Complex

Initial rate

4.75%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

(C002) 4.89% fixed to 31.01.2031 Complex

Initial rate

4.89%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

(C003) 2 year 2.95% Discount Complex

Initial rate

4.65%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£499

Early repayment charge

Yes

(C004) 2 year 2.41% Discount Complex

Initial rate

5.19%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.4% APRC

Maximum loan to value (LTV)

90%

Incentives

None

Fees

£499

Early repayment charge

Yes

(B047) 2 year 2.41% Discount Buy to Let

Initial rate

5.19%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.5% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(B048) 5.29% fixed to 31.01.2028 Buy to Let

Initial rate

5.29%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.5% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(B049) 5.39% fixed to 31.01.2031 Buy to Let

Initial rate

5.39%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.0% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(B050) 2 year 2.06% Discount Buy to Let Professional

Initial rate

5.54%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.6% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(B051) 5.69% fixed to 31.01.2028 Buy to Let Professional

Initial rate

5.69%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.6% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(B052) 5.79% fixed to 31.01.2031 Buy to Let Professional

Initial rate

5.79%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.2% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(H005) 2 year 1.86% Discount Holiday Let

Initial rate

5.74%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.6% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(H006) 5.79% fixed to 31.01.2028 Holiday Let

Initial rate

5.79%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.5% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(H007) 5.89% fixed to 31.01.2031 Holiday Let

Initial rate

5.89%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.2% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(H008) 2 year 1.56% Discount Holiday Let Professional

Initial rate

6.04%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.7% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(H009) 6.14% fixed to 31.01.2028 Holiday Let Professional

Initial rate

6.14%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.5% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£999

Early repayment charge

Yes

(H010) 6.24% fixed to 31.01.2031 Holiday Let Professional

Initial rate

6.24%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(SB29) Self-Build 1.46% Discount

Initial rate

6.14%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.4% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(SB30) Self-Build 1.46% discount large loan

Initial rate

6.14%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.3% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

0.25%*

Early repayment charge

Yes

* of the loan amount

(SB26) Mayflower 1.56% Discount

Initial rate

6.04%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(SB27) Mayflower 1.46% discount large loan

Initial rate

6.14%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.3% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

0.25%*

Early repayment charge

Yes

* of the loan amount

(SB23) BuildLoan 1.56% Discount (arrears)

Initial rate

6.04%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(SB25) BuildLoan 1.46% discount large loan

Initial rate

6.14%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.3% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

0.25%*

Early repayment charge

Yes

* of the loan amount

(SB24) BuildLoan 1.36% Discount (accelerator)

Initial rate

6.24%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.5% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(LT63) 2 Year 2.61% Discount Retirement Interest-Only

Initial rate

4.99%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.4% APRC

Maximum loan to value (LTV)

60%

Incentives

Yes

Fees

£499

Early repayment charge

Yes

(LT64) 2.51% Lifetime Discount Retirement Interest-Only

Initial rate

5.09%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

5.3% APRC

Maximum loan to value (LTV)

60%

Incentives

Yes

Fees

£499

Early repayment charge

No

(LT65) 5.09% fixed to 31.01.2031 Retirement Interest-Only

Initial rate

5.09%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.7% APRC

Maximum loan to value (LTV)

60%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(R001) 2 Year 2.95% Discount Into Retirement

Initial rate

4.65%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

£499

Early repayment charge

Yes

(R002) 2.71% Lifetime Discount In Retirement

Initial rate

4.89%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

5.1% APRC

Maximum loan to value (LTV)

70%

Incentives

Yes

Fees

£499

Early repayment charge

No

(R003) 4.74% fixed to 31.01.2031 Into Retirement

Initial rate

4.74%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

70%

Incentives

Yes

Fees

£999

Early repayment charge

Yes

(R003) 4.74% fixed to 31.01.2031 In Retirement

Initial rate

4.74%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

70%

Incentives

Yes

Fees

£999

Early repayment charge

Yes

(BU08) 5 Year 2.31% Discount Buy for Uni

Initial rate

5.29%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.8% APRC

Maximum loan to value (LTV)

100%

Incentives

Yes

Fees

£599

Early repayment charge

None

(DH02) 2.70% Lifetime Discount Head Start

Initial rate

4.90%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

5.0% APRC

Maximum loan to value (LTV)

100%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(D151) 5 Year 2.71% Discount Further Advance

Initial rate

4.89%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.8% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£150

Early repayment charge

None

(BT33) 5 Year 0.91% Discount BTL/Holiday Let Further Advance

Initial rate

6.69%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.6% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£150

Early repayment charge

None

(LT32) 5 Year 2.51% Discount RIO Further Advance

Initial rate

5.09%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.1% APRC

Maximum loan to value (LTV)

50%

Incentives

None

Fees

£150

Early repayment charge

None

(SB09) Self Build Further Advance

Initial rate

7.60%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

8.0% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

1.50%*

Early repayment charge

None

* of the loan amount (min £250)
Question

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Decision in Principle

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