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Prime Purchase and Remortgage

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.39% 3 year discount of 1.60% from SVR [D047][#]43995[#]3.39% variable4.99% variable4.4% APRC80% including fees£150£850
2.49% 5 year base rate tracker base rate plus 2.24% [T008][#]43995[#]2.49%4.99% variable-60% including fees£150£850
3.59% Prime 3 year discount to 90% LTV [D053][#]43995[#]3.59% variable4.99% variable4.7% APRC90% including fees£150£850
4.99% Standard Variable Rate [SVR5][#]43995[#]4.99% variable4.99% variable5.2% APRC80% including fees£1501% of the loan

Non Standard Purchase and Remortgage

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.79% Non standard fixed rate to 30 November 2020 [F665][#]43997[#]3.79% fixed4.99% variable4.8% APRC80% including fees£150£850
3.39% Non standard 3 year discount [DO51][#]43997[#]3.39% variable4.99% variable4.7% APRC80% including fees£150£850
3.49% Non standard 5 year discount [D052][#]43997[#]3.49% variable4.99% variable4.2% APRC80% including fees£150£850

Credit Repair

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.49% 3 year discount of 0.50% from our SVR [CR01][#]46973[#]4.49%4.99% variable5.0% APRC70%£150£999

First Time Buyer

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.69% First Time Buyers 3 Year Discount of 1.30% from SVR [DF03][#]46954[#]3.69% variable4.99% variable4.8% APRC95% including fees£150£0
3.89% First Time Buyer Fixed rate to 31st January 2021 [FF03][#]46954[#]3.89% fixed4.99% variable4.8% APRC95% including fees£150£0

Buy to Let & Consumer BTL

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
2.69% BTL individual landlords 3 year discount of 3.05% from BTL SVR [BL31][#]44001[#]2.69% variable5.74% variable5.2% APRC75% including fees£150£999
3.49% BTL Ltd Companies 3 year discount of 2.25% from BTL SVR [BL32][#]44001[#]3.49% variable5.74% variable5.4% APRC75% including fees£150£999
3.99% BTL for Ltd Companies Fixed rate to 30/11/2020 [BL33][#]44001[#]3.99% fixed5.74% variable5.4% APRC75% including fees£150£999
3.99% CBTL & Personal Income BTL Fixed rate to 30/11/2020 [BL34][#]44001[#]3.99% fixed5.74% variable5.4% APRC75% including fees£150£999
3.49% CBTL and Personal Income 3 year discount of 2.25% from BTL SVR [BL35][#]44001[#]3.49% fixed5.74% variable5.4% APRC75% including fees£150£999

Contractors

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.29% Contractor 3 year discount of 0.70% from our SVR [DC07][#]43999[#]4.29% variable4.99% variable4.8% APRC95% including fees£150£1250
3.79% Contractor 3 year discount of 1.20% from our SVR [DC12][#]43999[#]3.79% variable4.99% variable4.6% APRC80% including fees£150£1,250
3.99% Contractor remortage 3 year discount of 1.00% from our SVR [DC13][#]43999[#]3.99% variable4.99% variable4.7% APRC90% including fees£150£1,000

Self Build

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.59% Build Loan 2 year discount of 0.40% from our SVR [SB07][#]44000[#]4.59%4.99% variable5.1% APRC85%£500£999

Shared Ownership

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.39% L&G shared ownership 3 year discount of 1.60% from SVR [DS03][#]44002[#]3.39% variable4.99% variable4.8% APRC95% of the share being purchased£150£295
4.19% Censeo Exclusive Shared Ownership Fixed Rate to 31/07/2019 [FS03][#]44002[#]4.19% Fixed4.99% variable5.0% APRC-£150 £295 not including CENSEO's fees
3.99% Legal and General exclusive
Shared Ownership fixed to 31 October 2019 [FS04]
[#]44002[#]3.99% fixed4.99% variable5.0% APRC95% of the share being purchased£150£295
4.29% fixed rate to 30th June 2020 [FS02][#]44002[#]4.29% fixed4.99% variable5.0% APRC95% of the share being purchased£150£350
3.79% 3 year discount of 1.20% from SVR [DS02][#]44002[#]3.79%4.99% variable4.6% APRC95% of the share being purchased£150£350
3.79% Shared Ownership 2 year discount of 1.20% from SVR
Censeo Exclusive [DS01]
[#]44002[#]3.79% variable4.99% variable4.8% APRC-£150£295 not including CENSEO's fees

New Build

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% 3 year discount of 1.50% from SVR [D046][#]47577[#]3.49% variable4.99% variable4.5% APRC80% for flats or properties in London
85% for houses outside London
£150£850
3.89% Fixed rate to 31st August 2020 [F661][#]47577[#]3.89%4.99% variable4.8% APRC80% for flats or properties in London
85% for houses outside London
£150£850

Right To Buy

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.89% Fixed rate to 31st August 2020 [RB02][#]47400[#]3.89%4.99% variable4.8% APRC90% LTV of discounted price
80% LTV of full market value
£150£850
3.49% Right to Buy 3 year discount of 1.50% from SVR [RB01][#]47400[#]3.49%4.99% variable4.5% APRC80% LTV of full market value
or 90% LTV of discounted price
£150£850

Retirement

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% Retirement 3 year discount of 1.50% from SVR [RE01][#]47381[#]3.49% variable4.99% variable4.7% APRC60% including fees£150£850
3.89% Retirement fixed rate to 30th November 2020 [RE02][#]47381[#]3.89% fixed4.99% variable4.8% APRC60% including fees£150£850

Packagers

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% 5 year discount of 1.50% from SVR [D050][#]45434[#]3.49%4.99% APRC4.2% APRC80% including fees£1501% of loan amount min fee £1500
max fee £3000
3.39% Packager 3 year discount of 1.60% from SVR [D049][#]45434[#]3.39%4.99% variable4.7% APRC80% including fees£1501% of loan amount min fee £1500
Max fee £3000
3.99% Exclusive Credit Repair 3 year discount of 1.00% from our SVR [CR02][#]45434[#]3.99% variable4.99% variable4.7% APRC70% including fees£150£999
3.99% Exclusive BTL Fixed rate to 31/08/2020 [BL23][#]45434[#]3.99% 5.74% variable5.2% APRC75% including fees£150£1500
4.29% Exclusive Contractor 3 year discount 0.70% from our SVR [DC10][#]45434[#]4.29% variable4.99% variable4.8% APRC95% including fees£150£1500
3.99% Exclusive Contractor remortgage 3 year discount of 1.00% from our SVR [DC11][#]45434[#]3.99% variable4.99% variable4.7% APRC90% including fees£150£1,250

HOLD

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.61% HOLD variable rate tracker [HLD1][#]44003[#]3.61% variable (the DWP's Support for Mortgage Interest Rate, currently 2.61%, plus 1.00%
the rate will not fall below 3.00%
-3.8% APRC95% including fees£150£2,000