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Changes to our mortgage products


With effect from Tuesday 16 January 2024 we will be making the following changes to our range:

We have increased our cashback incentive offering for First Time Buyer customers at 95% LTV from £250, £350 and £500 across two year fixed, three year fixed and five year fixed rates to £750, £750 and £1000 until further notice.

All of our fixed rate end dates will be extended as below:

  • 2 Year Fixed – 30 April 2026
  • 3 Year Fixed – 30 April 2027
  • 5 Year Fixed – 30 April 2029
  • 10 Year Fixed - 30 April 2034

Summary of changes

UK Residential Existing Customer Switching Range

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

UK Residential Existing Customer Borrowing More Range

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

UK Residential First Time Buyer Range

  • 2 Year Fixed Fee Saver at 90% and 95% LTV have decreased
  • 2 Year Fixed Standard at 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 90% and 95% LTV have decreased
  • 3 Year Fixed Standard at 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
  • 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 90% and 95% LTV have decreased
  • 2 Year Fixed Standard at 80%, 85% and 90% LTV have decreased
  • 3 Year Fixed Fee Saver at 90% and 95% LTV have decreased
  • 3 Year Fixed Standard at 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

International Residential Range

  • 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 at this time.

An updated mortgage rate sheet will be published on Tuesday 16 January 2024 to reflect these changes.

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Historic rates displayed on the below pdf are for information only, therefore any associated product codes will not be active on the broker platform.

Rate sheet 16.01.2023.

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