# Changes to our mortgage products

With effect from Friday 5 July 2024 we will be making the following changes to our residential range:

**Summary of changes**

We have introduced a cashback incentive offering on our UK Residential First Time Buyer products at 60%, 70% and 75% LTV. We have also increased the cashback incentive offering on our UK Residential First Time Buyer Energy Efficient Homes range (A&B EPC rated properties) at 60%, 70% and 75% LTV.

**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 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 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 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
- 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 First Time Buyer Energy Efficient Home Range (A & B EPC Rated Properties)**

- 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

**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 Home Mover Energy Efficient Home Range (A & B EPC Rated Properties)**

- 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

**UK Residential Remortgage Range**

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

**UK Residential Remortgage Energy Efficient Home Range (A & B EPC Rated Properties)**

- 2 Year Fixed Fee Saver at 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

**UK Residential Remortgage Cashback Range**

- 2 Year Fixed Fee Saver at 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 Residential Remortgage Cashback Energy Efficient Home Range (A & B EPC Rated Properties)**

- 2 Year Fixed Fee Saver at 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

**International Residential Range**

- 2 Year Fixed Fee Saver at 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
- 5 Year Fixed Premier Exclusive at 60%, 70% and 75% LTV have decreased

There are no changes to any other interest rates.

An updated mortgage rate sheet will be published on Friday 5 July 2024 to reflect these changes.