# Changes to our mortgage products

With effect from Thursday 4 January 2024 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 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%, 90% and 95% 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
- 10 Year Fixed Fee Saver at 60%, 70%, 75% and 80% LTV have decreased
- 10 Year Fixed Standard at 60%, 70%, 75% and 80% LTV have decreased
- 5 Year Fixed Premier Exclusive 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%, 80%, 85% 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
- 10 Year Fixed Fee Saver at 60%, 70%, 75% and 80% LTV have decreased
- 10 Year Fixed Standard at 60%, 70%, 75% and 80% LTV have decreased
- 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have decreased

**UK Residential First Time Buyer Range**

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

**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

**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

**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

**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

**International Residential Range**

- 2 Year Fixed Fee Saver at 60%, 70% and 75% LTV have decreased
- 2 Year Fixed Standard at 60%, 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
- 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
- 5 Year Fixed Premier Exclusive 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 Thursday 4 January 2024 to reflect these changes.