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All Intermediaries

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All Intermediaries

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Prime Purchase and Remortgage

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.89% Prime fixed rate to 28 February 2025 [F799] 3.89% fixed 4.74% 4.7% APRC 90% including fees none £999
1.99% Remortgage 5 year fixed to 28/02/2027 [F794] 1.99% 4.74% 3.9% 80% including fees none £495
2.69% Prime 3 year Discount [D147] 2.69% variable, but which will not go below a floor of 2.69% during this period. 4.74% variable 4.3% APRC 80% including fees none £999
2.99% Prime fixed rate to 28/02/2025 [F790] 2.99% fixed 4.74% variable 4.5% APRC 80% including fees none £999
4.74% Standard Variable Rate [SVR5] 4.74% variable 4.74% variable 5.4% APRC 80% including fees £150 1% of the loan

Bucks Solutions - non-standard credit & impaired credit

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.29% Bucks Solutions 1 Non Standard fixed rate to 29 February 2024 [F791] 3.29% fixed 4.74% variable 4.6% APRC 80% including fees none £999
3.29% Bucks Solutions 2 - 2 Year Discount [D146] 3.29% variable 4.74% variable 4.6% APRC 70% including fees none £999
3.59% Bucks Solutions 2 Fixed to 29/02/2024 [F792] 3.59% fixed 4.74% variable 4.7% APRC 70% including fees none £999
4.09% Bucks Solutions Impaired Credit fixed rate to 28 February 2025 [IC13] Charges will apply to any lump sum or
full redemption paid over 10% of the capital balance
3% up to 28/02/2023
2% up to 29/02/2024
1% up to 28/02/2025
4.74% 4.7% APRC 60% including fees none 999
3.74% Bucks Solutions Impaired Credit 3 year discount [IC06] 3.74% variable 4.74% variable 4.6% APRC 60% including fees none £999
2.99% Bucks Solutions 1 Non Standard 2 year discount - physical valuation [D145] 2.99% variable, but which will not go below a floor of 2.99% during this period. 4.74% variable 4.6% APRC 80% including fees none £999

Later Life Lending

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
2.99% Lending Into Retirement (LIR) 3 year discount [RE24] 2.99% variable, but will not go below a floor of 2.99% during this period. 4.74% variable 4.3% APRC 75% including fees none £999
2.69% Lending In Retirement (LTR) 3 year discount [RE25] 2.69% variable, but will not go below a floor of 2.69% during this period. 4.74% variable 4.2% APRC 75% including fees none £999
3.19% Retirement fixed rate to 28/02/2027 [RE29] 3.19% fixed 4.74% 4.1% APRC 75% including fees none £999
2.69% Retirement Interest Only 5 year discount [RI09] 2.69% variable, but will not go below a floor of 2.69% during this period. 4.74% variable 4.2% APRC 60% including fees none £999

First Time Buyer - up to 95% LTV

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.99% Local First Time Buyer fixed rate to 28/02/2025 [FF21] Charges will apply to any lump sum or
full redemption paid over 10% of the capital balance
3% up to 28/02/2023
2% up to 29/02/2024
1% up to 28/02/2025
4.74% 4.7% APRC 95% including fees none £350
3.99% Members First Time Buyer fixed rate to 28/02/2025 [FF22] 3.99% fixed 4.74% 4.7% APRC 95% including fees none £350
4.39% First Time Buyer fixed rate to 28/02/2025 [FF20] 4.39% fixed 4.74% 4.8% APRC 95% including fees none £350

Shared Ownership

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.79% Shared Ownership fixed to 28 February 2025 [FS32] 3.79% fixed 4.74% 4.7% APRC 95% LTS including fees none £350
3.30% Shared Ownership 3 year discount [DS09] 3.30% variable 4.74% variable 4.6% APRC 95% LTS including fees none £350

Family Assist

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.29% Family Assist 3 year discount - dual physical valuations [FA27] 3.29% variable 4.74% variable 4.5% APRC 100% on applicants property purchase (overall 80% LTV with parents property equity) including fees none £850 payable on completion
3.29% Family Assist 3 year discount - parental AVM option [FA28] 3.29% variable 4.74% variable 4.5% APRC 100% on applicants property purchase (overall 80% LTV with parents property equity) including fees none £850 payable on completion
3.79% Family Assist fixed rate to 28/02/2025 (dual physical valuation) [FA33] Charges will apply to any lump sum or
full redemption paid over 10% of the capital balance
3% up to 28/02/2023
2% up to 29/02/2024
1% up to 28/02/2025
4.74% - 100% on applicants property purchase (overall 80% LTV with parents property equity) including fees none £850
3.79% Family Assist fixed rate to 28/02/2025 - parental AVM option [FA34] 3.79% fixed 4.74% 4.7% APRC 100% on applicants property purchase (overall 80% LTV with parents property equity) including fees none £850

Joint Borrower Sole Proprietor (JBSP)

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.39% JBSP 3 year discount [D135] 3.39% variable 4.74% variable 4.5% APRC 90% including fees none £999
3.39% Reverse JBSP 3 year discount [D136] 3.39% variable 4.74% variable 4.5% APRC 90% including fees none £999
3.69% Reverse JBSP Fixed Rate to 28 February 2025 [F798] Charges will apply to any lump sum or
full redemption paid over 10% of the capital balance
3% up to 28/02/2023
2% up to 29/02/2024
1% up to 28/02/2025
4.74% 4.6% APRC 90% including fees - £999
3.69% JBSP Fixed Rate to 28 February 2025 [F797] 3.69% fixed 4.74% 4.6% APRC 90% including fees none £999

Buy to Let & Ex-Pat BTL

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.39% Buy to Let fixed rate until 28 February 2025 [BL80] 3.39% fixed 5.49% variable 5.2% APRC 75% including fees none £1195
3.99% Ex-Pat Buy to Let 2 year discount [EX06] 3.99% variable 5.49% variable 5.4% APRC 75% including fees None £1,195
2.99% BTL 3 year discount of 2.50% from BTL SVR [BL72] 2.99% variable, but which will not go below a floor of 2.99% during this period. 5.49% variable 5.1% APRC 75% including fees None £1,195

Home from Home

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.39% Home from Home - Second Home fixed to 28/02/2025 [F795] £1195 4.74% variable 4.6% APRC 80% including fees none -
2.99% Home from Home - Second Home 3 year discount [D144] 2.99% variable, but will not go below a floor of 2.99% during this period. 4.74% variable 4.4% APRC 80% including fees none £1195

CARE for NHS & Emergency Service Workers

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.79% CARE fixed rate to 28 February 2025 [F796] 3.79% fixed 4.74% 4.7% APRC 90% including fees none £999
3.49% CARE 3 year discount [D129] 3.49% variable 4.74% variable 4.5% APRC 90% including fees none £999

Self Build and Custom Build

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
4.89% Self Build Advance - 2 year variable [SB39] 4.89% variable 4.74% variable 5.0% APRC 80% including fees - £1499
5.50% Self-Build Advance No Product Fee & ERC Free 2 year variable [SB44] 5.50% variable 4.74% variable 5.1% APRC 80% including fees - none
3.79% Self Build Arrears - 2 year discount up to £600,000 [SB42] 3.79% variable 4.74% variable 4.8% APRC 80% including fees - £1499
4.59% Self Build Arrears - 2 year discount £600,001 to £1,000,000 [SB41] 4.59% variable 4.74% variable 4.9% APRC 80% including fees - 1% of the loan value
4.45% Self-Build Advance ERC Free 2 year discount [SB43] 4.45% variable 4.74% variable 4.9% APRC 80% including fees - £1499

Mortgage Prisoner Remortgage

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
3.99% Mortgage Prisoner fixed rate to 28 February 2025 [MP04] Charges will apply to any lump sum or
full redemption paid over 10% of the capital balance
3% up to 28/02/2023
2% up to 29/02/2024
1% up to 28/02/2025
4.74% 4.6% APRC 60% including fees none none

Local (Buckinghamshire Properties)

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
2.29% Local Prime 3 year discount [D113] 2.29% variable, but which will not go below a floor of 2.29% during this period. 4.74% variable 4.2% APRC 80% including fees none £499

BBS Member exclusives

Product Name categories Initial Rate Changing to our SVR, currently The overall cost for comparison is Maximum LTV Application Fee Product Fee
2.29% Member Prime 3 year discount [D139] 2.29% variable, but which will not go below a floor of 2.29% during this period. 4.74% variable 4.2% APRC 80% including fees none £999