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  • You find a home,
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    We understand how important getting a mortgage is. It's not just about taking out a mortgage, it's about moving into your new home. 

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All Mortgages

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Right To Buy

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% Right to Buy 3 year discount of 1.50% from SVR [RB01][#]47399[#]3.49% variable4.99% variable4.5% APRC80% LTV of full market value
or 95% LTV of discounted price
£150£850

First Time Buyer

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.69% First Time Buyer fixed to 31 January 2021 [FF04][#]46955[#]3.69% fixed4.99% variable4.8% APRC95% including fees£150none
3.49% First Time Buyer 3 year discount [DF04][#]46955[#]3.49% variable4.99% variable4.7% APRC95% including fees£150none

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][#]43986[#]3.39% variable4.99% variable4.4% APRC80% including fees£150£850
3.79% Prime homemover 3 year discount 95% LTV [D057][#]43986[#]3.79% variable4.99% variable4.8% APRC95% including fees£150£850
2.49% 5 year base rate tracker base rate plus 2.24% [T008][#]43986[#]2.49%4.99% variable-60% including fees£150£850
3.59% Prime 3 year discount to 90% LTV [D053][#]43986[#]3.59% variable4.99% variable4.7% APRC90% including fees£150£850
4.99% Standard Variable Rate [SVR5][#]43986[#]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][#]43989[#]3.79% fixed4.99% variable4.8% APRC80% including fees£150£850
3.39% Non standard 3 year discount [D051][#]43989[#]3.39% variable4.99% variable4.7% APRC80% including fees£150£850
3.49% Non standard 5 year discount [D052][#]43989[#]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
3.99% Credit Repair 3 year discount of 1.00% from our SVR [CR03][#]46974[#]3.99% variable4.99% variable4.8% APRC70% including fees£150£999

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][#]43992[#]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][#]43992[#]3.49% variable5.74% variable5.4% APRC75% including fees£150£999
3.69% Buy to Let for limited companies fixed to 31/01/21 [BL36][#]43992[#]3.69% fixed5.74% variable5.3% APRC75% including fees£150£999
3.69% Buy to Let for CBTL and complex income fixed to 31/01/21 [BL37][#]43992[#]3.69% fixed5.74% variable5.3% APRC75% including fees£150£999
3.49% CBTL and Personal Income 3 year discount of 2.25% from BTL SVR [BL35][#]43992[#]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
3.99% Contractor Mortage 3 year discount of 1.00% from our SVR [DC14][#]43990[#]3.99% variable4.99% variable4.9% APRC95% including fees£150£1250
3.79% Contractor 3 year discount of 1.20% from our SVR [DC12][#]43990[#]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][#]43990[#]3.99% variable4.99% variable4.7% APRC90% including fees£150£1,000

Self Build and Custom Build

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.59% Custom Build 2 year discount of 0.40% from our SVR [SB09][#]43991[#]4.59% variable4.99% variable-85% for land and 95% fully completed £500£999
4.59% Build Loan 2 year discount of 0.40% from our SVR [SB07][#]43991[#]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][#]43993[#]3.39% variable4.99% variable4.8% APRC95% of the share being purchased£150£295
4.29% Shared Ownership fixed rate to 31st January 2021 [FS05][#]43993[#]4.29% fixed4.99% variable5.0% APRC95% including fees£150£350
4.19% Censeo Exclusive Shared Ownership Fixed Rate to 31/07/2020 [FS06][#]43993[#]4.19% Fixed4.99% variable5.0% APRC-£150£295 not including CENSEO's fees
3.99% L&G Shared Ownership fixed to 31 January 2020 [FS07][#]43993[#]3.99% fixed4.99% variable5.0% APRC95% of the share being purchased£150£295
3.79% 3 year discount of 1.20% from SVR [DS02][#]43993[#]3.79% variable4.99% 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]
[#]43993[#]3.79% variable4.99% variable4.8% APRC-£150£295 not including CENSEO's fees

Retirement

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.29% Retirement 3 year discount 1.70% from SVR [RE03][#]47380[#]3.29% variable4.99% variable4.6% APRC60% including fees£150£850
3.69% Retirement fixed rate to 30th November 2020 [RE04][#]47380[#]3.69% fixed4.99% variable4.7% APRC60% including fees£150£850

HOLD

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.61% HOLD variable rate tracker [HLD1][#]43994[#]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