# Changes to our mortgage products

With effect from Wednesday 21 August2024 we will be making the following changes to our range:

**Summary of changes**

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

- 2 Year Fixed – 31 December 2026
- 3 Year Fixed – 31 December 2027
- 5 Year Fixed – 31 December 2029
- 10 Year Fixed – 31 December 2034

**UK Residential Existing Customer Switching Range**

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

**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 £1999 Standard at 60%, 65% and 75% LTV have decreased
- 2 year Fixed £3999 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 £1999 Standard at 60%, 65% and 75% LTV have decreased
- 5 year Fixed £3999 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 £1999 Standard at 60%, 65% and 75% LTV have decreased
- 2 year Fixed £3999 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 £1999 Standard at 60%, 65% and 75% LTV have decreased
- 5 year Fixed £3999 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
- 5 Year Fixed Premier Exclusive at 60%, 70% and 75% LTV have decreased

**International Buy to Let 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

There are no changes to any of our interest rates.

An updated mortgage rate sheet will be published on Wednesday 21 August 2024 to reflect these changes.