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Changes to our mortgage products


With effect from Wednesday 1 November 2023 we will be making the following changes to our range:

Summary of changes

We have reintroduced our 2 Year Fixed Fee Saver offering for UK Residential First Time Buyer and Home Mover customers at 95% LTV. These products have been reintroduced with a cashback incentive of £250 until further notice.

UK Residential Existing Customer Switching Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70%, 75% and 90% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 85% and 90% LTV have decreased
  • 10 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 10 Year Fixed Standard at 70%, 75% and 80% LTV have decreased
  • 2 Year Tracker Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased

UK Residential Existing Customer Borrowing More Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70%, 75% and 90% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 85% and 90% LTV have decreased
  • 10 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 10 Year Fixed Standard at 70%, 75% and 80% LTV have decreased

UK Residential First Time Buyer Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased

UK Residential Home Mover Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 5 Year Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased

UK Residential Remortgage Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 70%, 75%, 80% and 85% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70%, 75%, 80% and 85% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75% and 90% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80% and 90% LTV have decreased
  • 5 Year Premier Exclusive at 60%, 70%, 75%, 80% and 90% LTV have decreased

UK Residential Remortgage Cashback Range

  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased
  • 2 Year Fixed Standard at 70%, 75%, 80% and 85% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75% and 90% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80% and 90% LTV have decreased

UK Buy to Let Existing Customer Switching Range

  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 2 Year Tracker Standard at 60% and 65% LTV has decreased

UK Buy to Let Existing Customer Borrowing More Range

  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 2 Year Tracker Standard at 60% and 65% LTV has decreased

UK Buy to Let Purchase Range

  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 2 Year Tracker Standard at 60% and 65% LTV have decreased

UK Buy to Let Remortgage Range

  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have decreased
  • 5 Year Fixed Standard at 60%, 65% and 75% LTV have decreased
  • 2 Year Tracker Standard at 60% LTV has decreased

International Residential Range

  • 2 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 2 Year Fixed Standard at 70% and 75% LTV have decreased
  • 3 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 3 Year Fixed Standard at 60%, 70% and 75% LTV have decreased
  • 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 5 Year Fixed Standard at 60%, 70% and 75% LTV have decreased
  • 5 Year Premier Exclusive at 60%, 70% and 75% LTV have decreased
  • 10 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
  • 10 Year Fixed Standard at 60%, 70% and 75% LTV have decreased

There are no changes to any other interest rates at this time.

An updated mortgage rate sheet will be published on Wednesday 1 November 2023 to reflect these changes.

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