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Changes to our mortgage products


With effect from Thursday 3 November 2022 we will be making the following changes to our range:

Summary of changes

UK Residential Existing Customer Switching Range

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

UK Residential Existing Customer Borrowing More Range

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

UK Residential First Time Buyer Range

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

UK Residential Remortgage Range

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

UK Residential Home Mover Range

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

International Residential Range

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

We have introduced our cashback incentive of £500 to our UK Residential First Time Buyer and Home Mover ranges at 60%, 70%, 75% and 80% LTV.

There are no changes to any of our other interest rates or to fixed rate end dates at this time.

An updated mortgage rate sheet will be published on Thursday 3 November to reflect these changes.

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