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Changes to our mortgage products


With effect from Monday 18 September 2023 we will be making the following changes to our range:

Summary of changes

We have introduced cashback offerings with an incentive of £350 across our 3 Year Fixed Standard and 3 Year Fixed Fee Saver products within our UK Residential First Time Buyer and Home Mover ranges.

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

  • 2 year fixed rates – 31 December 2025
  • 3 year fixed rates – 31 December 2026
  • 5 year fixed rates – 31 December 2028

UK Residential Existing Customer Switching Range

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

UK Residential Existing Customer Borrowing More Range

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

UK Buy to Let Existing Customer Switching Range

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

UK Buy to Let Existing Customer Borrowing More Range

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

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 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
  • 5 Year 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 Monday 18 September 2023 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 18.09.2023.

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