Keep up to date with the latest mortgage news  

Effective from Friday 22^nd November 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO54855] 60% LTV, increasing by 10bps from 4.22% to 4.32%, product fee £1,495

2 year fixed rate purchase - high value

[FO54836] 60% LTV, increasing by 10bps from 4.37% to 4.47%, product fee £995

2 year fixed rate purchase

[FO54838] 60% LTV, increasing by 10bps from 4.27% to 4.37%, product fee £995

[FO54878] 60% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £0

2 year fixed rate purchase - high value

[FO54817] 75% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £995

2 year fixed rate purchase

[FO54861] 75% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £995

[FO54872] 75% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £1,495

[FO54896] 75% LTV, increasing by 10bps from 4.78% to 4.88%, product fee £0

2 year fixed rate purchase - high value

[FO54830] 80% LTV, increasing by 10bps from 4.74% to 4.84%, product fee £995

2 year fixed rate purchase

[FO54828] 80% LTV, increasing by 10bps from 4.90% to 5.00%, product fee £0

[FO54880] 80% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £1,495

[FO54850] 80% LTV, increasing by 10bps from 4.64% to 4.74%, product fee £995

2 year fixed rate purchase - high value

[FO54831] 85% LTV, increasing by 10bps from 4.78% to 4.88%, product fee £995

2 year fixed rate purchase

[FO54837] 85% LTV, increasing by 10bps from 4.94% to 5.04%, product fee £0

[FO54840] 85% LTV, increasing by 10bps from 4.68% to 4.78%, product fee £995

[FO54867] 85% LTV, increasing by 10bps from 4.63% to 4.73%, product fee £1,495

5 year fixed rate purchase

[FO54856] 60% LTV, increasing by 10bps from 4.19% to 4.29%, product fee £995

[FO54877] 60% LTV, increasing by 10bps from 4.14% to 4.24%, product fee £1,495

5 year fixed rate purchase - high value

[FO54864] 60% LTV, increasing by 10bps from 4.27% to 4.37%, product fee £995

5 year fixed rate purchase

[FO54870] 60% LTV, increasing by 10bps from 4.29% to 4.39%, product fee £0

5 year fixed rate purchase - high value

[FO54834] 75% LTV, increasing by 10bps from 4.39% to 4.49%, product fee £995

5 year fixed rate purchase

[FO54858] 75% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £0

[FO54874] 75% LTV, increasing by 10bps from 4.29% to 4.39%, product fee £995

[FO54882] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £1,495

[FO54849] 80% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £1,495

[FO54873] 80% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £995

[FO54879] 80% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £0

5 year fixed rate purchase - high value

[FO54898] 80% LTV, increasing by 10bps from 4.57% to 4.67%, product fee £995

5 year fixed rate purchase

[FO54883] 85% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £995

[FO54897] 85% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £0

5 year fixed rate purchase - high value

[FO54865] 85% LTV, increasing by 10bps from 4.57% to 4.67%, product fee £995

5 year fixed rate purchase

[FO54885] 85% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £1,495

5 year fixed rate remortgage

[FO54886] 60% LTV, increasing by 10bps from 4.12% to 4.22%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO54835] 60% LTV, increasing by 10bps from 4.22% to 4.32%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54843] 60% LTV, increasing by 10bps from 4.12% to 4.22%, product fee £995

[FO54815] 60% LTV, increasing by 10bps from 4.26% to 4.36%, product fee £0

[FO54854] 60% LTV, increasing by 10bps from 4.07% to 4.17%, product fee £1,495, cashback £250

[FO54827] 60% LTV, increasing by 10bps from 4.07% to 4.17%, product fee £1,495

[FO54804] 60% LTV, increasing by 10bps from 4.26% to 4.36%, product fee £0, cashback £250

[FO54806] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £1,495

[FO54894] 75% LTV, increasing by 10bps from 4.29% to 4.39%, product fee £995, cashback £250

[FO54868] 75% LTV, increasing by 10bps from 4.43% to 4.53%, product fee £0, cashback £250

[FO54866] 75% LTV, increasing by 10bps from 4.43% to 4.53%, product fee £0

[FO54844] 75% LTV, increasing by 10bps from 4.29% to 4.39%, product fee £995

[FO54892] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO54809] 75% LTV, increasing by 10bps from 4.39% to 4.49%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54857] 80% LTV, increasing by 10bps from 4.80% to 4.90%, product fee £0, cashback £250

[FO54800] 80% LTV, increasing by 10bps from 4.80% to 4.90%, product fee £0

[FO54812] 80% LTV, increasing by 10bps from 4.63% to 4.73%, product fee £1,495

5 year fixed rate remortgage - high value

[FO54846] 80% LTV, increasing by 10bps from 4.78% to 4.88%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54875] 80% LTV, increasing by 10bps from 4.63% to 4.73%, product fee £1,495, cashback £250

[FO54889] 80% LTV, increasing by 10bps from 4.68% to 4.78%, product fee £995, cashback £250

[FO54810] 80% LTV, increasing by 10bps from 4.68% to 4.78%, product fee £995

[FO54823] 85% LTV, increasing by 10bps from 4.70% to 4.80%, product fee £995

5 year fixed rate remortgage - high value

[FO54888] 85% LTV, increasing by 10bps from 4.80% to 4.90%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54887] 85% LTV, increasing by 10bps from 4.65% to 4.75%, product fee £1,495, cashback £250

[FO54841] 85% LTV, increasing by 10bps from 4.65% to 4.75%, product fee £1,495

[FO54884] 85% LTV, increasing by 10bps from 4.95% to 5.05%, product fee £0, cashback £250

[FO54818] 85% LTV, increasing by 10bps from 4.95% to 5.05%, product fee £0

[FO54895] 85% LTV, increasing by 10bps from 4.70% to 4.80%, product fee £995, cashback £250

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO54842] 85% LTV, increasing by 10bps from 4.68% to 4.78%, product fee £995, cashback £250

[FO54853] 85% LTV, increasing by 10bps from 4.94% to 5.04%, product fee £0, cashback £250

5 year fixed rate purchase

[FO54816] 85% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £0, cashback £250

[FO54799] 85% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £995, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO54822] 60% LTV, increasing by 10bps from 4.42% to 4.52%, product fee £995, cashback £250

[FO54852] 60% LTV, increasing by 10bps from 4.64% to 4.74%, product fee £0

[FO54829] 75% LTV, increasing by 10bps from 4.93% to 5.03%, product fee £0

[FO54811] 75% LTV, increasing by 10bps from 4.64% to 4.74%, product fee £995, cashback £250

5 year fixed rate purchase

[FO54845] 60% LTV, increasing by 10bps from 4.34% to 4.44%, product fee £995, cashback £250

[FO54798] 60% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £0

[FO54825] 75% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £995, cashback £250

[FO54862] 75% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £0

Help to Buy: shared equity

Residential

Rate Changes

5 year fixed rate remortgage

[FO54803] 60% LTV, increasing by 10bps from 4.27% to 4.37%, product fee £995, cashback £500

[FO54851] 60% LTV, increasing by 10bps from 4.41% to 4.51%, product fee £0, cashback £500

[FO54808] 75% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £995, cashback £500

[FO54891] 75% LTV, increasing by 10bps from 4.58% to 4.68%, product fee £0, cashback £500

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO54859] 60% LTV, increasing by 10bps from 4.22% to 4.32%, product fee £995

[FO54820] 75% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £995

[FO54805] 85% LTV, increasing by 10bps from 4.63% to 4.73%, product fee £995

5 year fixed rate purchase

[FO54869] 60% LTV, increasing by 10bps from 4.14% to 4.24%, product fee £995

[FO54847] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £995

[FO54814] 85% LTV, increasing by 10bps from 4.44% to 4.54%, product fee £995

5 year fixed rate remortgage

[FO54833] 60% LTV, increasing by 10bps from 4.07% to 4.17%, product fee £995, cashback £250

[FO54863] 60% LTV, increasing by 10bps from 4.07% to 4.17%, product fee £995

[FO54819] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £995, cashback £250

[FO54807] 75% LTV, increasing by 10bps from 4.24% to 4.34%, product fee £995

[FO54821] 85% LTV, increasing by 10bps from 4.65% to 4.75%, product fee £995

[FO54824] 85% LTV, increasing by 10bps from 4.65% to 4.75%, product fee £995, cashback £250

Existing customers

You can access existing customer rates via our broker portal.

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 21^st November 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Friday 22^nd November 2024. Requests received after this time will not be considered.

The details we will require are as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product customer is applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Thursday 14th November 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO54391] 60% LTV, increasing by 15bps from 4.34% to 4.49%, product fee £0

[FO54341] 60% LTV, increasing by 23bps from 3.99% to 4.22%, product fee £1,495

[FO54300] 60% LTV, increasing by 23bps from 4.04% to 4.27%, product fee £995

2 year fixed rate purchase - high value

[FO54309] 60% LTV, increasing by 23bps from 4.14% to 4.37%, product fee £995

2 year fixed rate purchase

[FO54384] 75% LTV, increasing by 30bps from 4.14% to 4.44%, product fee £1,495

[FO54445] 75% LTV, increasing by 24bps from 4.54% to 4.78%, product fee £0

[FO54359] 75% LTV, increasing by 30bps from 4.19% to 4.49%, product fee £995

2 year fixed rate purchase - high value

[FO54279] 75% LTV, increasing by 30bps from 4.29% to 4.59%, product fee £995

2 year fixed rate purchase

[FO54284] 80% LTV, increasing by 11bps from 4.79% to 4.90%, product fee £0

[FO54332] 80% LTV, increasing by 10bps from 4.54% to 4.64%, product fee £995

[FO54393] 80% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £1,495

2 year fixed rate purchase - high value

[FO54291] 80% LTV, increasing by 10bps from 4.64% to 4.74%, product fee £995

2 year fixed rate purchase

[FO54376] 85% LTV, increasing by 14bps from 4.49% to 4.63%, product fee £1,495

[FO54302] 85% LTV, increasing by 14bps from 4.54% to 4.68%, product fee £995

[FO54295] 85% LTV, increasing by 15bps from 4.79% to 4.94%, product fee £0

2 year fixed rate purchase - high value

[FO54292] 85% LTV, increasing by 14bps from 4.64% to 4.78%, product fee £995

2 year fixed rate purchase

[FO54412] 90% LTV, increasing by 10bps from 5.39% to 5.49%, product fee £0

[FO54442] 90% LTV, increasing by 5bps from 5.14% to 5.19%, product fee £995

2 year fixed rate remortgage

[FO54299] 60% LTV, increasing by 15bps from 4.66% to 4.81%, product fee £0

[FO54388] 60% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £1,495

[FO54417] 60% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO54433] 60% LTV, increasing by 15bps from 4.43% to 4.58%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO54448] 60% LTV, increasing by 15bps from 4.33% to 4.48%, product fee £995, cashback £250

[FO54248] 60% LTV, increasing by 15bps from 4.66% to 4.81%, product fee £0, cashback £250

[FO54247] 60% LTV, increasing by 15bps from 4.33% to 4.48%, product fee £995

[FO54429] 75% LTV, increasing by 15bps from 4.84% to 4.99%, product fee £0, cashback £250

[FO54432] 75% LTV, increasing by 15bps from 4.55% to 4.70%, product fee £995, cashback £250

[FO54358] 75% LTV, increasing by 15bps from 4.84% to 4.99%, product fee £0

[FO54349] 75% LTV, increasing by 15bps from 4.55% to 4.70%, product fee £995

[FO54447] 75% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £1,495, cashback £250

[FO54243] 75% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £1,495

2 year fixed rate remortgage - high value

[FO54366] 75% LTV, increasing by 15bps from 4.65% to 4.80%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO54266] 80% LTV, increasing by 15bps from 5.30% to 5.45%, product fee £0, cashback £250

2 year fixed rate remortgage - high value

[FO54381] 80% LTV, increasing by 15bps from 5.03% to 5.18%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO54244] 80% LTV, increasing by 15bps from 5.30% to 5.45%, product fee £0

[FO54395] 80% LTV, increasing by 15bps from 4.88% to 5.03%, product fee £1,495, cashback £250

[FO54337] 80% LTV, increasing by 15bps from 4.93% to 5.08%, product fee £995, cashback £250

[FO54367] 80% LTV, increasing by 15bps from 4.93% to 5.08%, product fee £995

[FO54382] 80% LTV, increasing by 15bps from 4.88% to 5.03%, product fee £1,495

[FO54373] 85% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £1,495

[FO54342] 85% LTV, increasing by 15bps from 5.52% to 5.67%, product fee £0

[FO54424] 85% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO54334] 85% LTV, increasing by 15bps from 5.25% to 5.40%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO54281] 85% LTV, increasing by 15bps from 5.15% to 5.30%, product fee £995

[FO54298] 85% LTV, increasing by 15bps from 5.52% to 5.67%, product fee £0, cashback £250

[FO54416] 85% LTV, increasing by 15bps from 5.15% to 5.30%, product fee £995, cashback £250

[FO54227] 90% LTV, increasing by 15bps from 5.88% to 6.03%, product fee £0

[FO54322] 90% LTV, increasing by 15bps from 5.55% to 5.70%, product fee £995, cashback £250

[FO54323] 90% LTV, increasing by 15bps from 5.55% to 5.70%, product fee £995

[FO54383] 90% LTV, increasing by 15bps from 5.88% to 6.03%, product fee £0, cashback £250

5 year fixed rate purchase - high value

[FO54371] 60% LTV, increasing by 30bps from 3.97% to 4.27%, product fee £995

5 year fixed rate purchase

[FO54411] 60% LTV, increasing by 30bps from 3.84% to 4.14%, product fee £1,495

[FO54344] 60% LTV, increasing by 30bps from 3.89% to 4.19%, product fee £995

[FO54379] 60% LTV, increasing by 30bps from 3.99% to 4.29%, product fee £0

[FO54350] 75% LTV, increasing by 35bps from 4.09% to 4.44%, product fee £0

5 year fixed rate purchase - high value

[FO54307] 75% LTV, increasing by 35bps from 4.04% to 4.39%, product fee £995

5 year fixed rate purchase

[FO54407] 75% LTV, increasing by 35bps from 3.89% to 4.24%, product fee £1,495

[FO54396] 75% LTV, increasing by 35bps from 3.94% to 4.29%, product fee £995

[FO54331] 80% LTV, increasing by 25bps from 4.19% to 4.44%, product fee £1,495

5 year fixed rate purchase - high value

[FO54450] 80% LTV, increasing by 23bps from 4.34% to 4.57%, product fee £995

5 year fixed rate purchase

[FO54392] 80% LTV, increasing by 20bps from 4.39% to 4.59%, product fee £0

[FO54394] 80% LTV, increasing by 25bps from 4.24% to 4.49%, product fee £995

5 year fixed rate purchase - high value

[FO54362] 85% LTV, increasing by 23bps from 4.34% to 4.57%, product fee £995

5 year fixed rate purchase

[FO54408] 85% LTV, increasing by 25bps from 4.24% to 4.49%, product fee £995

[FO54414] 85% LTV, increasing by 25bps from 4.19% to 4.44%, product fee £1,495

[FO54458] 85% LTV, increasing by 15bps from 4.44% to 4.59%, product fee £0

[FO54311] 90% LTV, increasing by 21bps from 4.74% to 4.95%, product fee £0

[FO54434] 90% LTV, increasing by 14bps from 4.64% to 4.78%, product fee £995

5 year fixed rate remortgage

[FO54336] 60% LTV, increasing by 15bps from 3.92% to 4.07%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO54308] 60% LTV, increasing by 15bps from 4.07% to 4.22%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54283] 60% LTV, increasing by 15bps from 3.92% to 4.07%, product fee £1,495

[FO54270] 60% LTV, increasing by 15bps from 4.11% to 4.26%, product fee £0

[FO54233] 60% LTV, increasing by 15bps from 4.11% to 4.26%, product fee £0, cashback £250

[FO54310] 60% LTV, increasing by 15bps from 3.97% to 4.12%, product fee £995

[FO54419] 60% LTV, increasing by 15bps from 3.97% to 4.12%, product fee £995, cashback £250

[FO54437] 75% LTV, increasing by 15bps from 4.09% to 4.24%, product fee £1,495, cashback £250

[FO54316] 75% LTV, increasing by 15bps from 4.14% to 4.29%, product fee £995

[FO54255] 75% LTV, increasing by 15bps from 4.09% to 4.24%, product fee £1,495

5 year fixed rate remortgage - high value

[FO54258] 75% LTV, increasing by 15bps from 4.24% to 4.39%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54363] 75% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £0

[FO54436] 75% LTV, increasing by 15bps from 4.14% to 4.29%, product fee £995, cashback £250

[FO54378] 75% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £0, cashback £250

[FO54263] 80% LTV, increasing by 15bps from 4.48% to 4.63%, product fee £1,495

5 year fixed rate remortgage - high value

[FO54327] 80% LTV, increasing by 15bps from 4.63% to 4.78%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54400] 80% LTV, increasing by 15bps from 4.48% to 4.63%, product fee £1,495, cashback £250

[FO54421] 80% LTV, increasing by 15bps from 4.53% to 4.68%, product fee £995, cashback £250

[FO54345] 80% LTV, increasing by 15bps from 4.65% to 4.80%, product fee £0, cashback £250

[FO54259] 80% LTV, increasing by 15bps from 4.53% to 4.68%, product fee £995

[FO54222] 80% LTV, increasing by 15bps from 4.65% to 4.80%, product fee £0

[FO54280] 85% LTV, increasing by 15bps from 4.80% to 4.95%, product fee £0

[FO54423] 85% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £1,495, cashback £250

[FO54413] 85% LTV, increasing by 15bps from 4.80% to 4.95%, product fee £0, cashback £250

[FO54305] 85% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £1,495

[FO54272] 85% LTV, increasing by 15bps from 4.55% to 4.70%, product fee £995

5 year fixed rate remortgage - high value

[FO54415] 85% LTV, increasing by 15bps from 4.65% to 4.80%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO54443] 85% LTV, increasing by 15bps from 4.55% to 4.70%, product fee £995, cashback £250

[FO54351] 90% LTV, increasing by 15bps from 5.07% to 5.22%, product fee £995, cashback £250

[FO54372] 90% LTV, increasing by 15bps from 5.17% to 5.32%, product fee £0, cashback £250

[FO54245] 90% LTV, increasing by 15bps from 5.07% to 5.22%, product fee £995

[FO54290] 90% LTV, increasing by 15bps from 5.17% to 5.32%, product fee £0

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO54335] 85% LTV, increasing by 15bps from 4.79% to 4.94%, product fee £0, cashback £250

[FO54306] 85% LTV, increasing by 14bps from 4.54% to 4.68%, product fee £995, cashback £250

[FO54425] 90% LTV, increasing by 10bps from 5.39% to 5.49%, product fee £0, cashback £250

[FO54264] 90% LTV, increasing by 5bps from 5.14% to 5.19%, product fee £995, cashback £250

5 year fixed rate purchase

[FO54221] 85% LTV, increasing by 25bps from 4.24% to 4.49%, product fee £995, cashback £250

[FO54274] 85% LTV, increasing by 15bps from 4.44% to 4.59%, product fee £0, cashback £250

[FO54312] 90% LTV, increasing by 21bps from 4.74% to 4.95%, product fee £0, cashback £250

[FO54320] 90% LTV, increasing by 14bps from 4.64% to 4.78%, product fee £995, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO54339] 60% LTV, increasing by 15bps from 4.49% to 4.64%, product fee £0

[FO54289] 60% LTV, increasing by 23bps from 4.19% to 4.42%, product fee £995, cashback £250

[FO54288] 75% LTV, increasing by 24bps from 4.69% to 4.93%, product fee £0

[FO54260] 75% LTV, increasing by 30bps from 4.34% to 4.64%, product fee £995, cashback £250

5 year fixed rate purchase

[FO54321] 60% LTV, increasing by 30bps from 4.04% to 4.34%, product fee £995, cashback £250

[FO54219] 60% LTV, increasing by 30bps from 4.14% to 4.44%, product fee £0

[FO54278] 75% LTV, increasing by 35bps from 4.09% to 4.44%, product fee £995, cashback £250

[FO54360] 75% LTV, increasing by 35bps from 4.24% to 4.59%, product fee £0

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO54346] 60% LTV, increasing by 15bps from 4.48% to 4.63%, product fee £995, cashback £500

[FO54328] 60% LTV, increasing by 15bps from 4.81% to 4.96%, product fee £0, cashback £500

[FO54338] 75% LTV, increasing by 15bps from 4.99% to 5.14%, product fee £0, cashback £500

[FO54410] 75% LTV, increasing by 15bps from 4.70% to 4.85%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO54239] 60% LTV, increasing by 15bps from 4.12% to 4.27%, product fee £995, cashback £500

[FO54333] 60% LTV, increasing by 15bps from 4.26% to 4.41%, product fee £0, cashback £500

[FO54267] 75% LTV, increasing by 15bps from 4.29% to 4.44%, product fee £995, cashback £500

[FO54427] 75% LTV, increasing by 15bps from 4.43% to 4.58%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO54250] 60% LTV, increasing by 10bps from 4.59% to 4.69%, product fee £995

[FO54319] 60% LTV, increasing by 5bps from 5.10% to 5.15%, product fee £0

[FO54246] 75% LTV, increasing by 15bps from 5.24% to 5.39%, product fee £0

[FO54253] 75% LTV, increasing by 19bps from 4.16% to 4.35%, product fee £3,499

[FO54455] 75% LTV, increasing by 15bps from 5.00% to 5.15%, product fee £995

2 year fixed rate remortgage

[FO54343] 60% LTV, increasing by 9bps from 5.25% to 5.34%, product fee £0

[FO54238] 60% LTV, increasing by 9bps from 4.86% to 4.95%, product fee £995, cashback £250

[FO54451] 60% LTV, increasing by 9bps from 4.86% to 4.95%, product fee £995

[FO54340] 60% LTV, increasing by 9bps from 5.25% to 5.34%, product fee £0, cashback £250

[FO54324] 75% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £995

[FO54444] 75% LTV, increasing by 9bps from 5.50% to 5.59%, product fee £0

[FO54330] 75% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £995, cashback £250

[FO54439] 75% LTV, increasing by 9bps from 5.50% to 5.59%, product fee £0, cashback £250

[FO54374] 75% LTV, increasing by 19bps from 4.56% to 4.75%, product fee £3,499

5 year fixed rate purchase

[FO54353] 60% LTV, increasing by 12bps from 4.47% to 4.59%, product fee £995

[FO54368] 60% LTV, increasing by 17bps from 4.48% to 4.65%, product fee £0

[FO54418] 75% LTV, increasing by 16bps from 4.79% to 4.95%, product fee £0

[FO54329] 75% LTV, increasing by 17bps from 4.52% to 4.69%, product fee £995

5 year fixed rate remortgage

[FO54271] 60% LTV, increasing by 11bps from 4.44% to 4.55%, product fee £995

[FO54428] 60% LTV, increasing by 11bps from 4.44% to 4.55%, product fee £995, cashback £250

[FO54438] 60% LTV, increasing by 8bps from 4.61% to 4.69%, product fee £0

[FO54430] 60% LTV, increasing by 8bps from 4.61% to 4.69%, product fee £0, cashback £250

[FO54315] 75% LTV, increasing by 20bps from 4.45% to 4.65%, product fee £995

[FO54220] 75% LTV, increasing by 16bps from 4.89% to 5.05%, product fee £0, cashback £250

[FO54389] 75% LTV, increasing by 20bps from 4.45% to 4.65%, product fee £995, cashback £250

[FO54454] 75% LTV, increasing by 16bps from 4.89% to 5.05%, product fee £0

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO54354] 60% LTV, increasing by 23bps from 3.99% to 4.22%, product fee £995

[FO54286] 75% LTV, increasing by 30bps from 4.14% to 4.44%, product fee £995

[FO54252] 85% LTV, increasing by 14bps from 4.49% to 4.63%, product fee £995

2 year fixed rate remortgage

[FO54276] 60% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £995, cashback £250

[FO54357] 60% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £995

[FO54254] 75% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £995

[FO54314] 75% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £995, cashback £250

[FO54370] 85% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £995, cashback £250

[FO54294] 85% LTV, increasing by 15bps from 5.10% to 5.25%, product fee £995

5 year fixed rate purchase

[FO54375] 60% LTV, increasing by 30bps from 3.84% to 4.14%, product fee £995

[FO54317] 75% LTV, increasing by 35bps from 3.89% to 4.24%, product fee £995

[FO54269] 85% LTV, increasing by 25bps from 4.19% to 4.44%, product fee £995

5 year fixed rate remortgage

[FO54303] 60% LTV, increasing by 15bps from 3.92% to 4.07%, product fee £995, cashback £250

[FO54361] 60% LTV, increasing by 15bps from 3.92% to 4.07%, product fee £995

[FO54262] 75% LTV, increasing by 15bps from 4.09% to 4.24%, product fee £995

[FO54285] 75% LTV, increasing by 15bps from 4.09% to 4.24%, product fee £995, cashback £250

[FO54287] 85% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £995

[FO54273] 85% LTV, increasing by 15bps from 4.50% to 4.65%, product fee £995, cashback £250

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO54401] 65% LTV, increasing by 10bps from 4.53% to 4.63%, product fee £995

[FO54420] 75% LTV, increasing by 15bps from 4.94% to 5.09%, product fee £995

2 year fixed rate remortgage

[FO54409] 65% LTV, increasing by 9bps from 4.80% to 4.89%, product fee £995

[FO54453] 65% LTV, increasing by 9bps from 4.80% to 4.89%, product fee £995, cashback £250

[FO54440] 75% LTV, increasing by 15bps from 5.04% to 5.19%, product fee £995, cashback £250

[FO54326] 75% LTV, increasing by 15bps from 5.04% to 5.19%, product fee £995

5 year fixed rate purchase

[FO54449] 65% LTV, increasing by 12bps from 4.41% to 4.53%, product fee £995

[FO54304] 75% LTV, increasing by 17bps from 4.46% to 4.63%, product fee £995

5 year fixed rate remortgage

[FO54313] 65% LTV, increasing by 11bps from 4.38% to 4.49%, product fee £995, cashback £250

[FO54402] 65% LTV, increasing by 11bps from 4.38% to 4.49%, product fee £995

[FO54377] 75% LTV, increasing by 20bps from 4.39% to 4.59%, product fee £995, cashback £250

[FO54446] 75% LTV, increasing by 20bps from 4.39% to 4.59%, product fee £995

Existing customers

You can access existing customer rates via our broker portal.

End dates

2 Year Term End Dates Moving from 28 February 2027 to 31 March 2027

5 Year Term End Dates Moving from 28 February 2030 to 31 March 2030

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 13th November 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Thursday 14th November 2024. Requests received after this time will not be considered.

The details we will require are as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product customer is applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Friday 25th October 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO53154] 60% LTV, decreasing by 24bps from 4.58% to 4.34%, product fee £0

2 year fixed rate purchase - high value

[FO53068] 60% LTV, decreasing by 33bps from 4.47% to 4.14%, product fee £995

2 year fixed rate purchase

[FO53106] 60% LTV, decreasing by 33bps from 4.32% to 3.99%, product fee £1,495

[FO53066] 60% LTV, decreasing by 33bps from 4.37% to 4.04%, product fee £995

[FO53129] 75% LTV, decreasing by 41bps from 4.60% to 4.19%, product fee £995

[FO53141] 75% LTV, decreasing by 41bps from 4.55% to 4.14%, product fee £1,495

2 year fixed rate purchase - high value

[FO53047] 75% LTV, decreasing by 41bps from 4.70% to 4.29%, product fee £995

2 year fixed rate purchase

[FO53198] 75% LTV, decreasing by 27bps from 4.81% to 4.54%, product fee £0

2 year fixed rate purchase - high value

[FO53050] 80% LTV, decreasing by 21bps from 4.85% to 4.64%, product fee £995

2 year fixed rate purchase

[FO53157] 80% LTV, decreasing by 21bps from 4.70% to 4.49%, product fee £1,495

[FO53093] 80% LTV, decreasing by 21bps from 4.75% to 4.54%, product fee £995

[FO53035] 80% LTV, decreasing by 23bps from 5.02% to 4.79%, product fee £0

[FO53137] 85% LTV, decreasing by 29bps from 4.78% to 4.49%, product fee £1,495

[FO53056] 85% LTV, decreasing by 23bps from 5.02% to 4.79%, product fee £0

2 year fixed rate purchase - high value

[FO53051] 85% LTV, decreasing by 29bps from 4.93% to 4.64%, product fee £995

2 year fixed rate purchase

[FO53052] 85% LTV, decreasing by 29bps from 4.83% to 4.54%, product fee £995

[FO53174] 90% LTV, decreasing by 21bps from 5.60% to 5.39%, product fee £0

[FO53190] 90% LTV, decreasing by 26bps from 5.40% to 5.14%, product fee £995

[FO53002] 95% LTV, decreasing by 30bps from 5.98% to 5.68%, product fee £0

2 year fixed rate remortgage

[FO53065] 60% LTV, decreasing by 20bps from 4.86% to 4.66%, product fee £0

[FO53204] 60% LTV, decreasing by 20bps from 4.53% to 4.33%, product fee £995, cashback £250

2 year fixed rate remortgage - high value

[FO53200] 60% LTV, decreasing by 20bps from 4.63% to 4.43%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO53151] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £1,495

[FO53179] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £1,495, cashback £250

[FO53008] 60% LTV, decreasing by 20bps from 4.86% to 4.66%, product fee £0, cashback £250

[FO53007] 60% LTV, decreasing by 20bps from 4.53% to 4.33%, product fee £995

[FO53109] 75% LTV, decreasing by 20bps from 4.75% to 4.55%, product fee £995

2 year fixed rate remortgage - high value

[FO53121] 75% LTV, decreasing by 20bps from 4.85% to 4.65%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO53128] 75% LTV, decreasing by 20bps from 5.04% to 4.84%, product fee £0

[FO52997] 75% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £1,495

[FO53197] 75% LTV, decreasing by 20bps from 4.75% to 4.55%, product fee £995, cashback £250

[FO53203] 75% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £1,495, cashback £250

[FO53192] 75% LTV, decreasing by 20bps from 5.04% to 4.84%, product fee £0, cashback £250

2 year fixed rate remortgage - high value

[FO53135] 80% LTV, decreasing by 20bps from 5.23% to 5.03%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO53102] 80% LTV, decreasing by 20bps from 5.13% to 4.93%, product fee £995, cashback £250

[FO53159] 80% LTV, decreasing by 20bps from 5.08% to 4.88%, product fee £1,495, cashback £250

[FO53122] 80% LTV, decreasing by 20bps from 5.13% to 4.93%, product fee £995

[FO52998] 80% LTV, decreasing by 20bps from 5.50% to 5.30%, product fee £0

[FO53022] 80% LTV, decreasing by 20bps from 5.50% to 5.30%, product fee £0, cashback £250

[FO53139] 80% LTV, decreasing by 20bps from 5.08% to 4.88%, product fee £1,495

[FO53061] 85% LTV, decreasing by 20bps from 5.72% to 5.52%, product fee £0, cashback £250

[FO53090] 85% LTV, decreasing by 20bps from 5.72% to 5.52%, product fee £0

[FO53133] 85% LTV, decreasing by 20bps from 5.30% to 5.10%, product fee £1,495

2 year fixed rate remortgage - high value

[FO53097] 85% LTV, decreasing by 20bps from 5.45% to 5.25%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO53029] 85% LTV, decreasing by 20bps from 5.35% to 5.15%, product fee £995

[FO53184] 85% LTV, decreasing by 20bps from 5.30% to 5.10%, product fee £1,495, cashback £250

[FO53178] 85% LTV, decreasing by 20bps from 5.35% to 5.15%, product fee £995, cashback £250

[FO53140] 90% LTV, decreasing by 20bps from 6.08% to 5.88%, product fee £0, cashback £250

[FO53073] 90% LTV, decreasing by 20bps from 5.75% to 5.55%, product fee £995

[FO52984] 90% LTV, decreasing by 20bps from 6.08% to 5.88%, product fee £0

[FO53072] 90% LTV, decreasing by 20bps from 5.75% to 5.55%, product fee £995, cashback £250

5 year fixed rate purchase

[FO53095] 60% LTV, decreasing by 20bps from 4.09% to 3.89%, product fee £995

[FO53143] 60% LTV, decreasing by 23bps from 4.22% to 3.99%, product fee £0

5 year fixed rate purchase - high value

[FO53131] 60% LTV, decreasing by 22bps from 4.19% to 3.97%, product fee £995

5 year fixed rate purchase

[FO53173] 60% LTV, decreasing by 20bps from 4.04% to 3.84%, product fee £1,495

[FO53164] 75% LTV, decreasing by 31bps from 4.20% to 3.89%, product fee £1,495

5 year fixed rate purchase - high value

[FO53063] 75% LTV, decreasing by 31bps from 4.35% to 4.04%, product fee £995

5 year fixed rate purchase

[FO53112] 75% LTV, decreasing by 19bps from 4.28% to 4.09%, product fee £0

[FO53160] 75% LTV, decreasing by 31bps from 4.25% to 3.94%, product fee £995

5 year fixed rate purchase - high value

[FO53210] 80% LTV, decreasing by 18bps from 4.52% to 4.34%, product fee £995

5 year fixed rate purchase

[FO53092] 80% LTV, decreasing by 18bps from 4.37% to 4.19%, product fee £1,495

[FO53155] 80% LTV, decreasing by 19bps from 4.58% to 4.39%, product fee £0

[FO53158] 80% LTV, decreasing by 18bps from 4.42% to 4.24%, product fee £995

[FO53176] 85% LTV, decreasing by 24bps from 4.43% to 4.19%, product fee £1,495

[FO53165] 85% LTV, decreasing by 24bps from 4.48% to 4.24%, product fee £995

[FO53218] 85% LTV, decreasing by 15bps from 4.59% to 4.44%, product fee £0

5 year fixed rate purchase - high value

[FO53111] 85% LTV, decreasing by 24bps from 4.58% to 4.34%, product fee £995

5 year fixed rate purchase

[FO53201] 90% LTV, decreasing by 21bps from 4.85% to 4.64%, product fee £995

[FO53070] 90% LTV, decreasing by 21bps from 4.95% to 4.74%, product fee £0

[FO53094] 95% LTV, decreasing by 22bps from 5.41% to 5.19%, product fee £0

5 year fixed rate remortgage

[FO53101] 60% LTV, decreasing by 20bps from 4.12% to 3.92%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO53064] 60% LTV, decreasing by 20bps from 4.27% to 4.07%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO53032] 60% LTV, decreasing by 20bps from 4.31% to 4.11%, product fee £0

[FO53181] 60% LTV, decreasing by 20bps from 4.17% to 3.97%, product fee £995, cashback £250

[FO53031] 60% LTV, decreasing by 20bps from 4.12% to 3.92%, product fee £1,495

[FO52982] 60% LTV, decreasing by 20bps from 4.31% to 4.11%, product fee £0, cashback £250

[FO53069] 60% LTV, decreasing by 20bps from 4.17% to 3.97%, product fee £995

[FO53081] 75% LTV, decreasing by 20bps from 4.34% to 4.14%, product fee £995

5 year fixed rate remortgage - high value

[FO53024] 75% LTV, decreasing by 20bps from 4.44% to 4.24%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO53019] 75% LTV, decreasing by 20bps from 4.29% to 4.09%, product fee £1,495

[FO53115] 75% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £0

[FO53142] 75% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £0, cashback £250

[FO53205] 75% LTV, decreasing by 20bps from 4.34% to 4.14%, product fee £995, cashback £250

[FO53206] 75% LTV, decreasing by 20bps from 4.29% to 4.09%, product fee £1,495, cashback £250

[FO53167] 80% LTV, decreasing by 20bps from 4.68% to 4.48%, product fee £1,495, cashback £250

[FO53004] 80% LTV, decreasing by 20bps from 4.85% to 4.65%, product fee £0

[FO53016] 80% LTV, decreasing by 20bps from 4.68% to 4.48%, product fee £1,495

[FO53183] 80% LTV, decreasing by 20bps from 4.73% to 4.53%, product fee £995, cashback £250

[FO53025] 80% LTV, decreasing by 20bps from 4.73% to 4.53%, product fee £995

[FO53099] 80% LTV, decreasing by 20bps from 4.85% to 4.65%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO53082] 80% LTV, decreasing by 20bps from 4.83% to 4.63%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO53034] 85% LTV, decreasing by 20bps from 4.75% to 4.55%, product fee £995

[FO53048] 85% LTV, decreasing by 20bps from 5.00% to 4.80%, product fee £0

[FO53175] 85% LTV, decreasing by 20bps from 5.00% to 4.80%, product fee £0, cashback £250

[FO53194] 85% LTV, decreasing by 20bps from 4.75% to 4.55%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO53177] 85% LTV, decreasing by 20bps from 4.85% to 4.65%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO53058] 85% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £1,495

[FO53172] 85% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £1,495, cashback £250

[FO53049] 90% LTV, decreasing by 20bps from 5.37% to 5.17%, product fee £0

[FO53001] 90% LTV, decreasing by 20bps from 5.27% to 5.07%, product fee £995

[FO53113] 90% LTV, decreasing by 20bps from 5.27% to 5.07%, product fee £995, cashback £250

[FO53132] 90% LTV, decreasing by 20bps from 5.37% to 5.17%, product fee £0, cashback £250

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO53098] 85% LTV, decreasing by 23bps from 5.02% to 4.79%, product fee £0, cashback £250

[FO53062] 85% LTV, decreasing by 29bps from 4.83% to 4.54%, product fee £995, cashback £250

[FO53017] 90% LTV, decreasing by 26bps from 5.40% to 5.14%, product fee £995, cashback £250

[FO53185] 90% LTV, decreasing by 21bps from 5.60% to 5.39%, product fee £0, cashback £250

5 year fixed rate purchase

[FO53039] 85% LTV, decreasing by 15bps from 4.59% to 4.44%, product fee £0, cashback £250

[FO53000] 85% LTV, decreasing by 24bps from 4.48% to 4.24%, product fee £995, cashback £250

[FO53087] 90% LTV, decreasing by 21bps from 4.85% to 4.64%, product fee £995, cashback £250

[FO53074] 90% LTV, decreasing by 21bps from 4.95% to 4.74%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO53045] 60% LTV, decreasing by 33bps from 4.52% to 4.19%, product fee £995, cashback £250

[FO53104] 60% LTV, decreasing by 24bps from 4.73% to 4.49%, product fee £0

[FO53012] 75% LTV, decreasing by 41bps from 4.75% to 4.34%, product fee £995, cashback £250

[FO53044] 75% LTV, decreasing by 27bps from 4.96% to 4.69%, product fee £0

5 year fixed rate purchase

[FO52996] 60% LTV, decreasing by 23bps from 4.37% to 4.14%, product fee £0

[FO53071] 60% LTV, decreasing by 20bps from 4.24% to 4.04%, product fee £995, cashback £250

[FO53130] 75% LTV, decreasing by 19bps from 4.43% to 4.24%, product fee £0

[FO53046] 75% LTV, decreasing by 31bps from 4.40% to 4.09%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO53100] 60% LTV, decreasing by 20bps from 4.68% to 4.48%, product fee £995, cashback £500

[FO53083] 60% LTV, decreasing by 20bps from 5.01% to 4.81%, product fee £0, cashback £500

[FO53103] 75% LTV, decreasing by 20bps from 5.19% to 4.99%, product fee £0, cashback £500

[FO53170] 75% LTV, decreasing by 20bps from 4.90% to 4.70%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO53096] 60% LTV, decreasing by 20bps from 4.46% to 4.26%, product fee £0, cashback £500

[FO53006] 60% LTV, decreasing by 20bps from 4.32% to 4.12%, product fee £995, cashback £500

[FO53188] 75% LTV, decreasing by 20bps from 4.63% to 4.43%, product fee £0, cashback £500

[FO53026] 75% LTV, decreasing by 20bps from 4.49% to 4.29%, product fee £995, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO53010] 60% LTV, decreasing by 10bps from 4.69% to 4.59%, product fee £995

[FO53086] 60% LTV, decreasing by 10bps from 5.20% to 5.10%, product fee £0

[FO53217] 75% LTV, decreasing by 10bps from 5.10% to 5.00%, product fee £995

[FO53003] 75% LTV, decreasing by 10bps from 5.34% to 5.24%, product fee £0

2 year fixed rate remortgage

[FO53005] 60% LTV, decreasing by 10bps from 4.96% to 4.86%, product fee £995, cashback £250

[FO53091] 60% LTV, decreasing by 10bps from 5.35% to 5.25%, product fee £0

[FO53105] 60% LTV, decreasing by 10bps from 5.35% to 5.25%, product fee £0, cashback £250

[FO53211] 60% LTV, decreasing by 10bps from 4.96% to 4.86%, product fee £995

[FO53195] 75% LTV, decreasing by 10bps from 5.60% to 5.50%, product fee £0

[FO53209] 75% LTV, decreasing by 10bps from 5.60% to 5.50%, product fee £0, cashback £250

[FO53089] 75% LTV, decreasing by 10bps from 5.20% to 5.10%, product fee £995, cashback £250

[FO53134] 75% LTV, decreasing by 10bps from 4.66% to 4.56%, product fee £3,499

[FO53077] 75% LTV, decreasing by 10bps from 5.20% to 5.10%, product fee £995

5 year fixed rate purchase

[FO53123] 60% LTV, decreasing by 10bps from 4.58% to 4.48%, product fee £0

[FO53118] 60% LTV, decreasing by 10bps from 4.57% to 4.47%, product fee £995

[FO53180] 75% LTV, decreasing by 10bps from 4.89% to 4.79%, product fee £0

[FO53088] 75% LTV, decreasing by 10bps from 4.62% to 4.52%, product fee £995

5 year fixed rate remortgage

[FO53033] 60% LTV, decreasing by 10bps from 4.54% to 4.44%, product fee £995

[FO53208] 60% LTV, decreasing by 10bps from 4.71% to 4.61%, product fee £0

[FO53193] 60% LTV, decreasing by 10bps from 4.71% to 4.61%, product fee £0, cashback £250

[FO53191] 60% LTV, decreasing by 10bps from 4.54% to 4.44%, product fee £995, cashback £250

[FO52999] 75% LTV, decreasing by 10bps from 4.99% to 4.89%, product fee £0, cashback £250

[FO53216] 75% LTV, decreasing by 10bps from 4.99% to 4.89%, product fee £0

[FO53080] 75% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £995

[FO53152] 75% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £995, cashback £250

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO53119] 60% LTV, decreasing by 33bps from 4.32% to 3.99%, product fee £995

[FO53037] 75% LTV, decreasing by 41bps from 4.55% to 4.14%, product fee £995

[FO53014] 85% LTV, decreasing by 29bps from 4.78% to 4.49%, product fee £995

2 year fixed rate remortgage

[FO53042] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £995, cashback £250

[FO53125] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £995

[FO53018] 75% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £995

[FO53076] 75% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £995, cashback £250

[FO53055] 85% LTV, decreasing by 20bps from 5.30% to 5.10%, product fee £995

[FO53127] 85% LTV, decreasing by 20bps from 5.30% to 5.10%, product fee £995, cashback £250

5 year fixed rate purchase

[FO53136] 60% LTV, decreasing by 20bps from 4.04% to 3.84%, product fee £995

[FO53084] 75% LTV, decreasing by 31bps from 4.20% to 3.89%, product fee £995

[FO53028] 85% LTV, decreasing by 24bps from 4.43% to 4.19%, product fee £995

5 year fixed rate remortgage

[FO53053] 60% LTV, decreasing by 20bps from 4.12% to 3.92%, product fee £995, cashback £250

[FO53110] 60% LTV, decreasing by 20bps from 4.12% to 3.92%, product fee £995

[FO53015] 75% LTV, decreasing by 20bps from 4.29% to 4.09%, product fee £995

[FO53036] 75% LTV, decreasing by 20bps from 4.29% to 4.09%, product fee £995, cashback £250

[FO53041] 85% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £995

[FO53038] 85% LTV, decreasing by 20bps from 4.70% to 4.50%, product fee £995, cashback £250

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO53168] 65% LTV, decreasing by 10bps from 4.63% to 4.53%, product fee £995

[FO53182] 75% LTV, decreasing by 10bps from 5.04% to 4.94%, product fee £995

2 year fixed rate remortgage

[FO53215] 65% LTV, decreasing by 10bps from 4.90% to 4.80%, product fee £995, cashback £250

[FO53169] 65% LTV, decreasing by 10bps from 4.90% to 4.80%, product fee £995

[FO53186] 75% LTV, decreasing by 10bps from 5.14% to 5.04%, product fee £995, cashback £250

[FO53079] 75% LTV, decreasing by 10bps from 5.14% to 5.04%, product fee £995

5 year fixed rate purchase

[FO53207] 65% LTV, decreasing by 10bps from 4.51% to 4.41%, product fee £995

[FO53057] 75% LTV, decreasing by 10bps from 4.56% to 4.46%, product fee £995

5 year fixed rate remortgage

[FO53075] 65% LTV, decreasing by 10bps from 4.48% to 4.38%, product fee £995, cashback £250

[FO53147] 65% LTV, decreasing by 10bps from 4.48% to 4.38%, product fee £995

[FO53199] 75% LTV, decreasing by 10bps from 4.49% to 4.39%, product fee £995

[FO53138] 75% LTV, decreasing by 10bps from 4.49% to 4.39%, product fee £995, cashback £250

Existing customers

You can access existing customer rates via our broker portal.

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 24th October 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Friday 25th October 2024. Requests received after this time will not be considered.

The details we will require are as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product customer is applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Wednesday 16th October 2024

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate remortgage

[FO52429] 60% LTV, increasing by 30bps from 4.23% to 4.53%, product fee £995, cashback £250

[FO52290] 60% LTV, increasing by 30bps from 4.56% to 4.86%, product fee £0

[FO52417] 75% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995, cashback £250

[FO52428] 75% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO52348] 75% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO52222] 75% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £1,495

[FO52355] 75% LTV, increasing by 30bps from 4.74% to 5.04%, product fee £0

[FO52334] 75% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995

[FO52423] 75% LTV, increasing by 30bps from 4.74% to 5.04%, product fee £0, cashback £250

2 year fixed rate remortgage - high value

[FO52346] 80% LTV, increasing by 30bps from 4.93% to 5.23%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO52384] 80% LTV, increasing by 30bps from 4.78% to 5.08%, product fee £1,495, cashback £250

2 year fixed rate purchase

[FO52331] 60% LTV, increasing by 30bps from 4.02% to 4.32%, product fee £1,495

[FO52380] 60% LTV, increasing by 30bps from 4.28% to 4.58%, product fee £0

2 year fixed rate purchase - high value

[FO52293] 60% LTV, increasing by 30bps from 4.17% to 4.47%, product fee £995

2 year fixed rate purchase

[FO52291] 60% LTV, increasing by 30bps from 4.07% to 4.37%, product fee £995

[FO52356] 75% LTV, increasing by 30bps from 4.30% to 4.60%, product fee £995

[FO52366] 75% LTV, increasing by 30bps from 4.25% to 4.55%, product fee £1,495

[FO52418] 75% LTV, increasing by 30bps from 4.51% to 4.81%, product fee £0

2 year fixed rate purchase - high value

[FO52272] 75% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £995

2 year fixed rate purchase

[FO52304] 80% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995

[FO52382] 80% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £1,495

2 year fixed rate purchase - high value

[FO52275] 80% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £995

2 year fixed rate purchase

[FO52260] 80% LTV, increasing by 30bps from 4.72% to 5.02%, product fee £0

[FO52360] 85% LTV, increasing by 30bps from 4.48% to 4.78%, product fee £1,495

2 year fixed rate purchase - high value

[FO52276] 85% LTV, increasing by 30bps from 4.63% to 4.93%, product fee £995

2 year fixed rate purchase

[FO52281] 85% LTV, increasing by 30bps from 4.72% to 5.02%, product fee £0

[FO52277] 85% LTV, increasing by 30bps from 4.53% to 4.83%, product fee £995

[FO52421] 90% LTV, increasing by 30bps from 5.10% to 5.40%, product fee £995

[FO52405] 90% LTV, increasing by 30bps from 5.30% to 5.60%, product fee £0

[FO52227] 95% LTV, increasing by 30bps from 5.68% to 5.98%, product fee £0

2 year fixed rate remortgage

[FO52397] 60% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £1,495, cashback £250

[FO52232] 60% LTV, increasing by 30bps from 4.23% to 4.53%, product fee £995

[FO52233] 60% LTV, increasing by 30bps from 4.56% to 4.86%, product fee £0, cashback £250

[FO52376] 60% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £1,495

2 year fixed rate remortgage - high value

[FO52425] 60% LTV, increasing by 30bps from 4.33% to 4.63%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO52327] 80% LTV, increasing by 30bps from 4.83% to 5.13%, product fee £995, cashback £250

[FO52223] 80% LTV, increasing by 30bps from 5.20% to 5.50%, product fee £0

[FO52364] 80% LTV, increasing by 30bps from 4.78% to 5.08%, product fee £1,495

[FO52247] 80% LTV, increasing by 30bps from 5.20% to 5.50%, product fee £0, cashback £250

[FO52349] 80% LTV, increasing by 30bps from 4.83% to 5.13%, product fee £995

[FO52317] 85% LTV, increasing by 30bps from 5.42% to 5.72%, product fee £0

[FO52396] 85% LTV, increasing by 30bps from 5.05% to 5.35%, product fee £995, cashback £250

[FO52362] 85% LTV, increasing by 30bps from 5.00% to 5.30%, product fee £1,495

2 year fixed rate remortgage - high value

[FO52322] 85% LTV, increasing by 30bps from 5.15% to 5.45%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO52411] 85% LTV, increasing by 30bps from 5.00% to 5.30%, product fee £1,495, cashback £250

[FO52254] 85% LTV, increasing by 30bps from 5.05% to 5.35%, product fee £995

[FO52286] 85% LTV, increasing by 30bps from 5.42% to 5.72%, product fee £0, cashback £250

[FO52365] 90% LTV, increasing by 30bps from 5.78% to 6.08%, product fee £0, cashback £250

[FO52297] 90% LTV, increasing by 30bps from 5.45% to 5.75%, product fee £995, cashback £250

[FO52298] 90% LTV, increasing by 30bps from 5.45% to 5.75%, product fee £995

[FO52209] 90% LTV, increasing by 30bps from 5.78% to 6.08%, product fee £0

2 year tracker rate purchase

[TO8312] 60% LTV, increasing by 30bps from 5.61% to 5.91%, product fee £0

[TO8316] 60% LTV, increasing by 30bps from 5.22% to 5.52%, product fee £995

2 year tracker rate purchase - high value

[TO8306] 60% LTV, increasing by 30bps from 5.32% to 5.62%, product fee £995, cashback £250

[TO8301] 75% LTV, increasing by 30bps from 5.47% to 5.77%, product fee £995, cashback £250

2 year tracker rate purchase

[TO8305] 75% LTV, increasing by 30bps from 5.61% to 5.91%, product fee £0

[TO8313] 75% LTV, increasing by 30bps from 5.37% to 5.67%, product fee £995

2 year tracker rate purchase - high value

[TO8296] 80% LTV, increasing by 30bps from 5.47% to 5.77%, product fee £995, cashback £250

2 year tracker rate purchase

[TO8314] 80% LTV, increasing by 30bps from 5.37% to 5.67%, product fee £995

[TO8292] 80% LTV, increasing by 30bps from 5.72% to 6.02%, product fee £0

[TO8304] 85% LTV, increasing by 30bps from 5.77% to 6.07%, product fee £0

2 year tracker rate purchase - high value

[TO8317] 85% LTV, increasing by 30bps from 5.52% to 5.82%, product fee £995, cashback £250

2 year tracker rate purchase

[TO8311] 85% LTV, increasing by 30bps from 5.42% to 5.72%, product fee £995

[TO8302] 90% LTV, increasing by 30bps from 5.61% to 5.91%, product fee £995

[TO8300] 90% LTV, increasing by 30bps from 5.81% to 6.11%, product fee £0

2 year tracker rate remortgage - high value

[TO8288] 60% LTV, increasing by 30bps from 5.32% to 5.62%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO8315] 60% LTV, increasing by 30bps from 5.22% to 5.52%, product fee £995, cashback £250

[TO8307] 60% LTV, increasing by 30bps from 5.22% to 5.52%, product fee £995

5 year fixed rate purchase

[FO52320] 60% LTV, increasing by 30bps from 3.79% to 4.09%, product fee £995

5 year fixed rate purchase - high value

[FO52358] 60% LTV, increasing by 30bps from 3.89% to 4.19%, product fee £995

5 year fixed rate purchase

[FO52368] 60% LTV, increasing by 30bps from 3.92% to 4.22%, product fee £0

[FO52404] 60% LTV, increasing by 30bps from 3.74% to 4.04%, product fee £1,495

5 year fixed rate purchase - high value

[FO52288] 75% LTV, increasing by 30bps from 4.05% to 4.35%, product fee £995

5 year fixed rate purchase

[FO52337] 75% LTV, increasing by 30bps from 3.98% to 4.28%, product fee £0

[FO52389] 75% LTV, increasing by 30bps from 3.90% to 4.20%, product fee £1,495

[FO52385] 75% LTV, increasing by 30bps from 3.95% to 4.25%, product fee £995

5 year fixed rate purchase - high value

[FO52432] 80% LTV, increasing by 30bps from 4.22% to 4.52%, product fee £995

5 year fixed rate purchase

[FO52319] 80% LTV, increasing by 30bps from 4.07% to 4.37%, product fee £1,495

[FO52377] 80% LTV, increasing by 30bps from 4.28% to 4.58%, product fee £0

[FO52383] 80% LTV, increasing by 30bps from 4.12% to 4.42%, product fee £995

[FO52393] 85% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995

5 year fixed rate purchase - high value

[FO52336] 85% LTV, increasing by 30bps from 4.28% to 4.58%, product fee £995

5 year fixed rate purchase

[FO52443] 85% LTV, increasing by 30bps from 4.29% to 4.59%, product fee £0

[FO52391] 85% LTV, increasing by 30bps from 4.13% to 4.43%, product fee £1,495

[FO52295] 90% LTV, increasing by 30bps from 4.65% to 4.95%, product fee £0

[FO52426] 90% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £995

[FO52305] 95% LTV, increasing by 28bps from 5.13% to 5.41%, product fee £0

5 year fixed rate remortgage

[FO52294] 60% LTV, increasing by 30bps from 3.87% to 4.17%, product fee £995

[FO52256] 60% LTV, increasing by 30bps from 3.82% to 4.12%, product fee £1,495

[FO52326] 60% LTV, increasing by 30bps from 3.82% to 4.12%, product fee £1,495, cashback £250

[FO52207] 60% LTV, increasing by 30bps from 4.01% to 4.31%, product fee £0, cashback £250

[FO52257] 60% LTV, increasing by 30bps from 4.01% to 4.31%, product fee £0

[FO52406] 60% LTV, increasing by 30bps from 3.87% to 4.17%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO52289] 60% LTV, increasing by 30bps from 3.97% to 4.27%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO52431] 75% LTV, increasing by 30bps from 3.99% to 4.29%, product fee £1,495, cashback £250

[FO52308] 75% LTV, increasing by 30bps from 4.04% to 4.34%, product fee £995

[FO52430] 75% LTV, increasing by 30bps from 4.04% to 4.34%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO52249] 75% LTV, increasing by 30bps from 4.14% to 4.44%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO52367] 75% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £0, cashback £250

[FO52340] 75% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £0

[FO52244] 75% LTV, increasing by 30bps from 3.99% to 4.29%, product fee £1,495

[FO52229] 80% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £0

5 year fixed rate remortgage - high value

[FO52309] 80% LTV, increasing by 30bps from 4.53% to 4.83%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO52241] 80% LTV, increasing by 30bps from 4.38% to 4.68%, product fee £1,495

[FO52410] 80% LTV, increasing by 30bps from 4.43% to 4.73%, product fee £995, cashback £250

[FO52324] 80% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £0, cashback £250

[FO52250] 80% LTV, increasing by 30bps from 4.43% to 4.73%, product fee £995

[FO52395] 80% LTV, increasing by 30bps from 4.38% to 4.68%, product fee £1,495, cashback £250

[FO52283] 85% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £1,495

[FO52403] 85% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £1,495, cashback £250

[FO52390] 85% LTV, increasing by 30bps from 4.70% to 5.00%, product fee £0, cashback £250

[FO52409] 85% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995, cashback £250

[FO52259] 85% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995

5 year fixed rate remortgage - high value

[FO52392] 85% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO52273] 85% LTV, increasing by 30bps from 4.70% to 5.00%, product fee £0

[FO52226] 90% LTV, increasing by 30bps from 4.97% to 5.27%, product fee £995

[FO52338] 90% LTV, increasing by 30bps from 4.97% to 5.27%, product fee £995, cashback £250

[FO52361] 90% LTV, increasing by 30bps from 5.07% to 5.37%, product fee £0, cashback £250

[FO52274] 90% LTV, increasing by 30bps from 5.07% to 5.37%, product fee £0

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO52323] 85% LTV, increasing by 30bps from 4.72% to 5.02%, product fee £0, cashback £250

[FO52287] 85% LTV, increasing by 30bps from 4.53% to 4.83%, product fee £995, cashback £250

[FO52412] 90% LTV, increasing by 30bps from 5.30% to 5.60%, product fee £0, cashback £250

[FO52242] 90% LTV, increasing by 30bps from 5.10% to 5.40%, product fee £995, cashback £250

5 year fixed rate purchase

[FO52264] 85% LTV, increasing by 30bps from 4.29% to 4.59%, product fee £0, cashback £250

[FO52225] 85% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995, cashback £250

[FO52314] 90% LTV, increasing by 30bps from 4.55% to 4.85%, product fee £995, cashback £250

[FO52299] 90% LTV, increasing by 30bps from 4.65% to 4.95%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO52270] 60% LTV, increasing by 30bps from 4.22% to 4.52%, product fee £995, cashback £250

[FO52329] 60% LTV, increasing by 30bps from 4.43% to 4.73%, product fee £0

[FO52269] 75% LTV, increasing by 30bps from 4.66% to 4.96%, product fee £0

[FO52237] 75% LTV, increasing by 30bps from 4.45% to 4.75%, product fee £995, cashback £250

5 year fixed rate purchase

[FO52221] 60% LTV, increasing by 30bps from 4.07% to 4.37%, product fee £0

[FO52296] 60% LTV, increasing by 30bps from 3.94% to 4.24%, product fee £995, cashback £250

[FO52357] 75% LTV, increasing by 30bps from 4.13% to 4.43%, product fee £0

[FO52271] 75% LTV, increasing by 30bps from 4.10% to 4.40%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO52310] 60% LTV, increasing by 30bps from 4.71% to 5.01%, product fee £0, cashback £500

[FO52325] 60% LTV, increasing by 30bps from 4.38% to 4.68%, product fee £995, cashback £500

[FO52328] 75% LTV, increasing by 30bps from 4.89% to 5.19%, product fee £0, cashback £500

[FO52401] 75% LTV, increasing by 30bps from 4.60% to 4.90%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO52231] 60% LTV, increasing by 30bps from 4.02% to 4.32%, product fee £995, cashback £500

[FO52321] 60% LTV, increasing by 30bps from 4.16% to 4.46%, product fee £0, cashback £500

[FO52251] 75% LTV, increasing by 30bps from 4.19% to 4.49%, product fee £995, cashback £500

[FO52419] 75% LTV, increasing by 30bps from 4.33% to 4.63%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO52313] 60% LTV, increasing by 30bps from 4.90% to 5.20%, product fee £0

[FO52235] 60% LTV, increasing by 30bps from 4.39% to 4.69%, product fee £995

[FO52228] 75% LTV, increasing by 30bps from 5.04% to 5.34%, product fee £0

[FO52442] 75% LTV, increasing by 30bps from 4.80% to 5.10%, product fee £995

2 year fixed rate remortgage

[FO52330] 60% LTV, increasing by 30bps from 5.05% to 5.35%, product fee £0, cashback £250

[FO52433] 60% LTV, increasing by 30bps from 4.66% to 4.96%, product fee £995

[FO52318] 60% LTV, increasing by 30bps from 5.05% to 5.35%, product fee £0

[FO52230] 60% LTV, increasing by 30bps from 4.66% to 4.96%, product fee £995, cashback £250

[FO52436] 75% LTV, increasing by 30bps from 5.30% to 5.60%, product fee £0, cashback £250

[FO52414] 75% LTV, increasing by 30bps from 5.30% to 5.60%, product fee £0

[FO52345] 75% LTV, increasing by 30bps from 4.36% to 4.66%, product fee £3,499

[FO52316] 75% LTV, increasing by 30bps from 4.90% to 5.20%, product fee £995, cashback £250

[FO52302] 75% LTV, increasing by 30bps from 4.90% to 5.20%, product fee £995

5 year fixed rate purchase

[FO52343] 60% LTV, increasing by 30bps from 4.27% to 4.57%, product fee £995

[FO52350] 60% LTV, increasing by 30bps from 4.28% to 4.58%, product fee £0

[FO52398] 75% LTV, increasing by 30bps from 4.59% to 4.89%, product fee £0

[FO52315] 75% LTV, increasing by 30bps from 4.32% to 4.62%, product fee £995

5 year fixed rate remortgage

[FO52435] 60% LTV, increasing by 30bps from 4.41% to 4.71%, product fee £0

[FO52258] 60% LTV, increasing by 30bps from 4.24% to 4.54%, product fee £995

[FO52408] 60% LTV, increasing by 30bps from 4.41% to 4.71%, product fee £0, cashback £250

[FO52422] 60% LTV, increasing by 30bps from 4.24% to 4.54%, product fee £995, cashback £250

[FO52224] 75% LTV, increasing by 30bps from 4.69% to 4.99%, product fee £0, cashback £250

[FO52441] 75% LTV, increasing by 30bps from 4.69% to 4.99%, product fee £0

[FO52307] 75% LTV, increasing by 30bps from 4.25% to 4.55%, product fee £995

[FO52378] 75% LTV, increasing by 30bps from 4.25% to 4.55%, product fee £995, cashback £250

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO52344] 60% LTV, increasing by 30bps from 4.02% to 4.32%, product fee £995

[FO52262] 75% LTV, increasing by 30bps from 4.25% to 4.55%, product fee £995

[FO52239] 85% LTV, increasing by 30bps from 4.48% to 4.78%, product fee £995

2 year fixed rate remortgage

[FO52267] 60% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995, cashback £250

[FO52352] 60% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995

[FO52243] 75% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £995

[FO52301] 75% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £995, cashback £250

[FO52280] 85% LTV, increasing by 30bps from 5.00% to 5.30%, product fee £995

[FO52354] 85% LTV, increasing by 30bps from 5.00% to 5.30%, product fee £995, cashback £250

5 year fixed rate purchase

[FO52359] 60% LTV, increasing by 30bps from 3.74% to 4.04%, product fee £995

[FO52311] 75% LTV, increasing by 30bps from 3.90% to 4.20%, product fee £995

[FO52253] 85% LTV, increasing by 30bps from 4.13% to 4.43%, product fee £995

5 year fixed rate remortgage

[FO52278] 60% LTV, increasing by 30bps from 3.82% to 4.12%, product fee £995, cashback £250

[FO52335] 60% LTV, increasing by 30bps from 3.82% to 4.12%, product fee £995

[FO52261] 75% LTV, increasing by 30bps from 3.99% to 4.29%, product fee £995, cashback £250

[FO52240] 75% LTV, increasing by 30bps from 3.99% to 4.29%, product fee £995

[FO52263] 85% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £995, cashback £250

[FO52266] 85% LTV, increasing by 30bps from 4.40% to 4.70%, product fee £995

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO52399] 65% LTV, increasing by 30bps from 4.33% to 4.63%, product fee £995

[FO52407] 75% LTV, increasing by 30bps from 4.74% to 5.04%, product fee £995

2 year fixed rate remortgage

[FO52400] 65% LTV, increasing by 30bps from 4.60% to 4.90%, product fee £995

[FO52440] 65% LTV, increasing by 30bps from 4.60% to 4.90%, product fee £995, cashback £250

[FO52413] 75% LTV, increasing by 30bps from 4.84% to 5.14%, product fee £995, cashback £250

[FO52306] 75% LTV, increasing by 30bps from 4.84% to 5.14%, product fee £995

5 year fixed rate purchase

[FO52434] 65% LTV, increasing by 30bps from 4.21% to 4.51%, product fee £995

[FO52282] 75% LTV, increasing by 30bps from 4.26% to 4.56%, product fee £995

5 year fixed rate remortgage

[FO52300] 65% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995, cashback £250

[FO52372] 65% LTV, increasing by 30bps from 4.18% to 4.48%, product fee £995

[FO52363] 75% LTV, increasing by 30bps from 4.19% to 4.49%, product fee £995, cashback £250

[FO52424] 75% LTV, increasing by 30bps from 4.19% to 4.49%, product fee £995

Existing Customer

You can access existing customer rates via our broker portal.

End dates

There are no changes to end dates

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 15th October 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Wednesday 16th October 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Tuesday 24th September 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO50363] 60% LTV, decreasing by 12bps from 4.14% to 4.02%, product fee £1,495

[FO50332] 60% LTV, decreasing by 12bps from 4.19% to 4.07%, product fee £995

[FO50410] 60% LTV, decreasing by 12bps from 4.40% to 4.28%, product fee £0

2 year fixed rate purchase - high value

[FO50333] 60% LTV, decreasing by 12bps from 4.29% to 4.17%, product fee £995

2 year fixed rate purchase

[FO50397] 75% LTV, decreasing by 12bps from 4.37% to 4.25%, product fee £1,495

[FO50387] 75% LTV, decreasing by 12bps from 4.42% to 4.30%, product fee £995

2 year fixed rate purchase - high value

[FO50315] 75% LTV, decreasing by 12bps from 4.52% to 4.40%, product fee £995

2 year fixed rate purchase

[FO50439] 75% LTV, decreasing by 12bps from 4.63% to 4.51%, product fee £0

[FO50305] 80% LTV, decreasing by 12bps from 4.88% to 4.76%, product fee £0

2 year fixed rate purchase - high value

[FO50320] 80% LTV, decreasing by 12bps from 4.77% to 4.65%, product fee £995

2 year fixed rate purchase

[FO50340] 80% LTV, decreasing by 12bps from 4.67% to 4.55%, product fee £995

[FO50411] 80% LTV, decreasing by 12bps from 4.62% to 4.50%, product fee £1,495

2 year fixed rate purchase - high value

[FO50321] 85% LTV, decreasing by 12bps from 4.79% to 4.67%, product fee £995

2 year fixed rate purchase

[FO50384] 85% LTV, decreasing by 12bps from 4.64% to 4.52%, product fee £1,495

[FO50313] 85% LTV, decreasing by 12bps from 4.92% to 4.80%, product fee £0

[FO50323] 85% LTV, decreasing by 12bps from 4.69% to 4.57%, product fee £995

[FO50425] 90% LTV, decreasing by 5bps from 5.40% to 5.35%, product fee £0

[FO50283] 95% LTV, decreasing by 12bps from 5.80% to 5.68%, product fee £0

2 year fixed rate remortgage - high value

[FO50450] 60% LTV, decreasing by 12bps from 4.45% to 4.33%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO50444] 60% LTV, decreasing by 12bps from 4.35% to 4.23%, product fee £995, cashback £250

[FO50331] 60% LTV, decreasing by 9bps from 4.65% to 4.56%, product fee £0

[FO50281] 60% LTV, decreasing by 9bps from 4.65% to 4.56%, product fee £0, cashback £250

[FO50402] 60% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £1,495

[FO50280] 60% LTV, decreasing by 12bps from 4.35% to 4.23%, product fee £995

[FO50423] 60% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO50376] 75% LTV, decreasing by 12bps from 4.67% to 4.55%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO50366] 75% LTV, decreasing by 12bps from 4.57% to 4.45%, product fee £995

[FO50386] 75% LTV, decreasing by 6bps from 4.80% to 4.74%, product fee £0

[FO50446] 75% LTV, decreasing by 6bps from 4.80% to 4.74%, product fee £0, cashback £250

[FO50273] 75% LTV, decreasing by 12bps from 4.52% to 4.40%, product fee £1,495

[FO50443] 75% LTV, decreasing by 12bps from 4.52% to 4.40%, product fee £1,495, cashback £250

[FO50438] 75% LTV, decreasing by 12bps from 4.57% to 4.45%, product fee £995, cashback £250

[FO50287] 80% LTV, decreasing by 12bps from 5.47% to 5.35%, product fee £0, cashback £250

[FO50277] 80% LTV, decreasing by 12bps from 5.47% to 5.35%, product fee £0

[FO50377] 80% LTV, decreasing by 7bps from 4.90% to 4.83%, product fee £995

[FO50416] 80% LTV, decreasing by 7bps from 4.85% to 4.78%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO50373] 80% LTV, decreasing by 7bps from 5.00% to 4.93%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO50356] 80% LTV, decreasing by 7bps from 4.90% to 4.83%, product fee £995, cashback £250

[FO50393] 80% LTV, decreasing by 7bps from 4.85% to 4.78%, product fee £1,495

[FO50422] 85% LTV, decreasing by 12bps from 5.23% to 5.11%, product fee £995, cashback £250

[FO50389] 85% LTV, decreasing by 12bps from 5.18% to 5.06%, product fee £1,495

2 year fixed rate remortgage - high value

[FO50359] 85% LTV, decreasing by 12bps from 5.33% to 5.21%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO50296] 85% LTV, decreasing by 12bps from 5.23% to 5.11%, product fee £995

[FO50349] 85% LTV, decreasing by 12bps from 5.60% to 5.48%, product fee £0

[FO50322] 85% LTV, decreasing by 12bps from 5.60% to 5.48%, product fee £0, cashback £250

[FO50436] 85% LTV, decreasing by 12bps from 5.18% to 5.06%, product fee £1,495, cashback £250

[FO50266] 90% LTV, decreasing by 12bps from 5.99% to 5.87%, product fee £0

[FO50394] 90% LTV, decreasing by 12bps from 5.99% to 5.87%, product fee £0, cashback £250

[FO50330] 90% LTV, decreasing by 12bps from 5.65% to 5.53%, product fee £995

[FO50329] 90% LTV, decreasing by 12bps from 5.65% to 5.53%, product fee £995, cashback £250

2 year tracker rate purchase - high value

[TO7816] 60% LTV, decreasing by 12bps from 5.44% to 5.32%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7822] 60% LTV, decreasing by 12bps from 5.34% to 5.22%, product fee £995

[TO7818] 60% LTV, decreasing by 12bps from 5.73% to 5.61%, product fee £0

[TO7819] 75% LTV, decreasing by 12bps from 5.49% to 5.37%, product fee £995

[TO7815] 75% LTV, decreasing by 12bps from 5.73% to 5.61%, product fee £0

2 year tracker rate purchase - high value

[TO7810] 75% LTV, decreasing by 12bps from 5.59% to 5.47%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7820] 80% LTV, decreasing by 12bps from 5.49% to 5.37%, product fee £995

2 year tracker rate purchase - high value

[TO7808] 80% LTV, decreasing by 12bps from 5.59% to 5.47%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7807] 80% LTV, decreasing by 12bps from 5.84% to 5.72%, product fee £0

[TO7817] 85% LTV, decreasing by 12bps from 5.54% to 5.42%, product fee £995

[TO7813] 85% LTV, decreasing by 12bps from 5.89% to 5.77%, product fee £0

2 year tracker rate purchase - high value

[TO7823] 85% LTV, decreasing by 12bps from 5.64% to 5.52%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7809] 90% LTV, decreasing by 12bps from 5.93% to 5.81%, product fee £0

[TO7811] 90% LTV, decreasing by 12bps from 5.73% to 5.61%, product fee £995

2 year tracker rate remortgage - high value

[TO7805] 60% LTV, decreasing by 12bps from 5.44% to 5.32%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO7821] 60% LTV, decreasing by 12bps from 5.34% to 5.22%, product fee £995, cashback £250

[TO7814] 60% LTV, decreasing by 12bps from 5.34% to 5.22%, product fee £995

5 year fixed rate purchase

[FO50417] 75% LTV, decreasing by 3bps from 3.98% to 3.95%, product fee £995

5 year fixed rate purchase - high value

[FO50326] 75% LTV, decreasing by 3bps from 4.08% to 4.05%, product fee £995

5 year fixed rate purchase

[FO50412] 75% LTV, decreasing by 3bps from 3.93% to 3.90%, product fee £1,495

[FO50403] 80% LTV, decreasing by 12bps from 4.40% to 4.28%, product fee £0

[FO50415] 80% LTV, decreasing by 12bps from 4.29% to 4.17%, product fee £995

5 year fixed rate purchase - high value

[FO50453] 80% LTV, decreasing by 12bps from 4.39% to 4.27%, product fee £995

5 year fixed rate purchase

[FO50353] 80% LTV, decreasing by 12bps from 4.24% to 4.12%, product fee £1,495

[FO50414] 85% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £1,495

[FO50419] 85% LTV, decreasing by 12bps from 4.35% to 4.23%, product fee £995

[FO50461] 85% LTV, decreasing by 12bps from 4.50% to 4.38%, product fee £0

5 year fixed rate purchase - high value

[FO50371] 85% LTV, decreasing by 12bps from 4.45% to 4.33%, product fee £995

5 year fixed rate purchase

[FO50338] 90% LTV, decreasing by 12bps from 4.80% to 4.68%, product fee £0

[FO50342] 95% LTV, decreasing by 12bps from 5.25% to 5.13%, product fee £0

5 year fixed rate remortgage

[FO50355] 60% LTV, decreasing by 10bps from 3.92% to 3.82%, product fee £1,495, cashback £250

[FO50300] 60% LTV, decreasing by 9bps from 4.10% to 4.01%, product fee £0

[FO50265] 60% LTV, decreasing by 9bps from 4.10% to 4.01%, product fee £0, cashback £250

[FO50299] 60% LTV, decreasing by 10bps from 3.92% to 3.82%, product fee £1,495

[FO50426] 60% LTV, decreasing by 10bps from 3.97% to 3.87%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO50327] 60% LTV, decreasing by 10bps from 4.07% to 3.97%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO50337] 60% LTV, decreasing by 10bps from 3.97% to 3.87%, product fee £995

[FO50298] 75% LTV, decreasing by 12bps from 4.11% to 3.99%, product fee £1,495

[FO50398] 75% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO50290] 75% LTV, decreasing by 12bps from 4.26% to 4.14%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO50448] 75% LTV, decreasing by 12bps from 4.16% to 4.04%, product fee £995, cashback £250

5 year fixed rate purchase

[FO50424] 60% LTV, decreasing by 3bps from 3.77% to 3.74%, product fee £1,495

[FO50354] 60% LTV, decreasing by 3bps from 3.82% to 3.79%, product fee £995

5 year fixed rate purchase - high value

[FO50391] 60% LTV, decreasing by 3bps from 3.92% to 3.89%, product fee £995

5 year fixed rate purchase

[FO50399] 60% LTV, decreasing by 12bps from 4.04% to 3.92%, product fee £0

[FO50372] 75% LTV, decreasing by 12bps from 4.10% to 3.98%, product fee £0

5 year fixed rate remortgage

[FO50449] 75% LTV, decreasing by 12bps from 4.11% to 3.99%, product fee £1,495, cashback £250

[FO50347] 75% LTV, decreasing by 12bps from 4.16% to 4.04%, product fee £995

[FO50379] 75% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £0

[FO50294] 80% LTV, decreasing by 12bps from 4.50% to 4.38%, product fee £1,495

[FO50291] 80% LTV, decreasing by 12bps from 4.55% to 4.43%, product fee £995

[FO50274] 80% LTV, decreasing by 12bps from 4.72% to 4.60%, product fee £0

5 year fixed rate remortgage - high value

[FO50348] 80% LTV, decreasing by 12bps from 4.65% to 4.53%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO50435] 80% LTV, decreasing by 12bps from 4.55% to 4.43%, product fee £995, cashback £250

[FO50421] 80% LTV, decreasing by 12bps from 4.50% to 4.38%, product fee £1,495, cashback £250

[FO50364] 80% LTV, decreasing by 12bps from 4.72% to 4.60%, product fee £0, cashback £250

[FO50316] 85% LTV, decreasing by 12bps from 4.90% to 4.78%, product fee £0

5 year fixed rate remortgage - high value

[FO50418] 85% LTV, decreasing by 10bps from 4.70% to 4.60%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO50413] 85% LTV, decreasing by 12bps from 4.90% to 4.78%, product fee £0, cashback £250

[FO50318] 85% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £1,495

[FO50304] 85% LTV, decreasing by 10bps from 4.60% to 4.50%, product fee £995

[FO50420] 85% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £1,495, cashback £250

[FO50434] 85% LTV, decreasing by 10bps from 4.60% to 4.50%, product fee £995, cashback £250

[FO50374] 90% LTV, decreasing by 12bps from 5.09% to 4.97%, product fee £995, cashback £250

[FO50388] 90% LTV, decreasing by 12bps from 5.19% to 5.07%, product fee £0, cashback £250

[FO50282] 90% LTV, decreasing by 12bps from 5.09% to 4.97%, product fee £995

[FO50319] 90% LTV, decreasing by 12bps from 5.19% to 5.07%, product fee £0

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO50325] 85% LTV, decreasing by 12bps from 4.69% to 4.57%, product fee £995, cashback £250

[FO50360] 85% LTV, decreasing by 12bps from 4.92% to 4.80%, product fee £0, cashback £250

[FO50437] 90% LTV, decreasing by 5bps from 5.40% to 5.35%, product fee £0, cashback £250

5 year fixed rate purchase

[FO50301] 85% LTV, decreasing by 12bps from 4.50% to 4.38%, product fee £0, cashback £250

[FO50279] 85% LTV, decreasing by 12bps from 4.35% to 4.23%, product fee £995, cashback £250

[FO50334] 90% LTV, decreasing by 12bps from 4.80% to 4.68%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO50361] 60% LTV, decreasing by 12bps from 4.55% to 4.43%, product fee £0

[FO50311] 60% LTV, decreasing by 12bps from 4.34% to 4.22%, product fee £995, cashback £250

[FO50310] 75% LTV, decreasing by 12bps from 4.78% to 4.66%, product fee £0

[FO50286] 75% LTV, decreasing by 12bps from 4.57% to 4.45%, product fee £995, cashback £250

5 year fixed rate purchase

[FO50328] 60% LTV, decreasing by 3bps from 3.97% to 3.94%, product fee £995, cashback £250

[FO50272] 60% LTV, decreasing by 12bps from 4.19% to 4.07%, product fee £0

[FO50390] 75% LTV, decreasing by 12bps from 4.25% to 4.13%, product fee £0

[FO50314] 75% LTV, decreasing by 3bps from 4.13% to 4.10%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO50351] 60% LTV, decreasing by 9bps from 4.80% to 4.71%, product fee £0, cashback £500

[FO50365] 60% LTV, decreasing by 12bps from 4.50% to 4.38%, product fee £995, cashback £500

[FO50433] 75% LTV, decreasing by 12bps from 4.72% to 4.60%, product fee £995, cashback £500

[FO50357] 75% LTV, decreasing by 6bps from 4.95% to 4.89%, product fee £0, cashback £500

5 year fixed rate remortgage

[FO50276] 60% LTV, decreasing by 10bps from 4.12% to 4.02%, product fee £995, cashback £500

[FO50358] 60% LTV, decreasing by 9bps from 4.25% to 4.16%, product fee £0, cashback £500

[FO50292] 75% LTV, decreasing by 12bps from 4.31% to 4.19%, product fee £995, cashback £500

[FO50440] 75% LTV, decreasing by 12bps from 4.45% to 4.33%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO50429] 60% LTV, decreasing by 30bps from 3.99% to 3.69%, product fee £3,499

[FO50285] 60% LTV, decreasing by 28bps from 4.67% to 4.39%, product fee £995

[FO50341] 60% LTV, decreasing by 7bps from 4.97% to 4.90%, product fee £0

[FO50284] 75% LTV, decreasing by 34bps from 5.38% to 5.04%, product fee £0

[FO50457] 75% LTV, decreasing by 44bps from 5.24% to 4.80%, product fee £995

[FO50289] 75% LTV, decreasing by 60bps from 4.76% to 4.16%, product fee £3,499

2 year fixed rate remortgage

[FO50454] 60% LTV, decreasing by 10bps from 4.84% to 4.74%, product fee £995

[FO50350] 60% LTV, decreasing by 6bps from 5.19% to 5.13%, product fee £0

[FO50395] 60% LTV, decreasing by 12bps from 4.05% to 3.93%, product fee £3,499

[FO50362] 60% LTV, decreasing by 6bps from 5.19% to 5.13%, product fee £0, cashback £250

[FO50275] 60% LTV, decreasing by 10bps from 4.84% to 4.74%, product fee £995, cashback £250

[FO50442] 75% LTV, decreasing by 17bps from 5.47% to 5.30%, product fee £0

[FO50370] 75% LTV, decreasing by 47bps from 4.83% to 4.36%, product fee £3,499

[FO50346] 75% LTV, decreasing by 24bps from 5.14% to 4.90%, product fee £995, cashback £250

[FO50460] 75% LTV, decreasing by 17bps from 5.47% to 5.30%, product fee £0, cashback £250

[FO50339] 75% LTV, decreasing by 24bps from 5.14% to 4.90%, product fee £995

5 year fixed rate purchase

[FO50368] 60% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £995

[FO50378] 60% LTV, decreasing by 16bps from 4.44% to 4.28%, product fee £0

[FO50345] 75% LTV, decreasing by 32bps from 4.64% to 4.32%, product fee £995

[FO50427] 75% LTV, decreasing by 29bps from 4.88% to 4.59%, product fee £0

5 year fixed rate remortgage

[FO50445] 60% LTV, decreasing by 16bps from 4.40% to 4.24%, product fee £995, cashback £250

[FO50451] 60% LTV, decreasing by 25bps from 4.15% to 3.90%, product fee £3,499

[FO50459] 60% LTV, decreasing by 12bps from 4.59% to 4.47%, product fee £0

[FO50431] 60% LTV, decreasing by 12bps from 4.59% to 4.47%, product fee £0, cashback £250

[FO50303] 60% LTV, decreasing by 16bps from 4.40% to 4.24%, product fee £995

[FO50456] 75% LTV, decreasing by 24bps from 4.93% to 4.69%, product fee £0

[FO50406] 75% LTV, decreasing by 42bps from 4.67% to 4.25%, product fee £995, cashback £250

[FO50278] 75% LTV, decreasing by 24bps from 4.93% to 4.69%, product fee £0, cashback £250

[FO50344] 75% LTV, decreasing by 42bps from 4.67% to 4.25%, product fee £995

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO50369] 60% LTV, decreasing by 12bps from 4.14% to 4.02%, product fee £995

[FO50308] 75% LTV, decreasing by 12bps from 4.37% to 4.25%, product fee £995

[FO50288] 85% LTV, decreasing by 12bps from 4.64% to 4.52%, product fee £995

2 year fixed rate remortgage

[FO50382] 60% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £995

[FO50306] 60% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £995, cashback £250

[FO50336] 75% LTV, decreasing by 12bps from 4.52% to 4.40%, product fee £995, cashback £250

[FO50297] 75% LTV, decreasing by 12bps from 4.52% to 4.40%, product fee £995

[FO50312] 85% LTV, decreasing by 12bps from 5.18% to 5.06%, product fee £995

[FO50385] 85% LTV, decreasing by 12bps from 5.18% to 5.06%, product fee £995, cashback £250

5 year fixed rate purchase

[FO50383] 60% LTV, decreasing by 3bps from 3.77% to 3.74%, product fee £995

[FO50352] 75% LTV, decreasing by 3bps from 3.93% to 3.90%, product fee £995

[FO50295] 85% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £995

5 year fixed rate remortgage

[FO50367] 60% LTV, decreasing by 10bps from 3.92% to 3.82%, product fee £995

[FO50324] 60% LTV, decreasing by 10bps from 3.92% to 3.82%, product fee £995, cashback £250

[FO50307] 75% LTV, decreasing by 12bps from 4.11% to 3.99%, product fee £995, cashback £250

[FO50293] 75% LTV, decreasing by 12bps from 4.11% to 3.99%, product fee £995

[FO50302] 85% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £995

[FO50309] 85% LTV, decreasing by 10bps from 4.55% to 4.45%, product fee £995, cashback £250

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO50428] 65% LTV, decreasing by 24bps from 4.57% to 4.33%, product fee £995

[FO50430] 75% LTV, decreasing by 40bps from 5.14% to 4.74%, product fee £995

2 year fixed rate remortgage

[FO50432] 65% LTV, decreasing by 6bps from 4.74% to 4.68%, product fee £995

[FO50455] 65% LTV, decreasing by 6bps from 4.74% to 4.68%, product fee £995, cashback £250

[FO50343] 75% LTV, decreasing by 20bps from 5.04% to 4.84%, product fee £995

[FO50441] 75% LTV, decreasing by 20bps from 5.04% to 4.84%, product fee £995, cashback £250

5 year fixed rate purchase

[FO50458] 65% LTV, decreasing by 2bps from 4.26% to 4.24%, product fee £995

[FO50317] 75% LTV, decreasing by 28bps from 4.54% to 4.26%, product fee £995

5 year fixed rate remortgage

[FO50335] 65% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £995, cashback £250

[FO50396] 65% LTV, decreasing by 12bps from 4.30% to 4.18%, product fee £995

[FO50447] 75% LTV, decreasing by 38bps from 4.57% to 4.19%, product fee £995

[FO50392] 75% LTV, decreasing by 38bps from 4.57% to 4.19%, product fee £995, cashback £250

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 23rd September 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Tuesday 24th September 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Friday 13th September 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO50132] 90% LTV, decreasing by 15bps from 5.35% to 5.20%, product fee £995

[FO50128] 90% LTV, decreasing by 19bps from 5.59% to 5.40%, product fee £0

[FO50086] 95% LTV, decreasing by 4bps from 5.84% to 5.80%, product fee £0

2 year fixed rate remortgage

[FO50116] 90% LTV, decreasing by 3bps from 6.02% to 5.99%, product fee £0, cashback £250

[FO50098] 90% LTV, decreasing by 3bps from 5.68% to 5.65%, product fee £995, cashback £250

[FO50099] 90% LTV, decreasing by 3bps from 5.68% to 5.65%, product fee £995

[FO50081] 90% LTV, decreasing by 3bps from 6.02% to 5.99%, product fee £0

5 year fixed rate purchase

[FO50105] 90% LTV, decreasing by 15bps from 4.95% to 4.80%, product fee £0

[FO50133] 90% LTV, decreasing by 18bps from 4.83% to 4.65%, product fee £995

[FO50104] 95% LTV, decreasing by 8bps from 5.33% to 5.25%, product fee £0

5 year fixed rate remortgage

[FO50111] 90% LTV, decreasing by 2bps from 5.11% to 5.09%, product fee £995, cashback £250

[FO50115] 90% LTV, decreasing by 4bps from 5.23% to 5.19%, product fee £0, cashback £250

[FO50095] 90% LTV, decreasing by 4bps from 5.23% to 5.19%, product fee £0

[FO50085] 90% LTV, decreasing by 2bps from 5.11% to 5.09%, product fee £995

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO50082] 90% LTV, decreasing by 15bps from 5.35% to 5.20%, product fee £995, cashback £250

[FO50129] 90% LTV, decreasing by 19bps from 5.59% to 5.40%, product fee £0, cashback £250

5 year fixed rate purchase

[FO50106] 90% LTV, decreasing by 18bps from 4.83% to 4.65%, product fee £995, cashback £250

[FO50101] 90% LTV, decreasing by 15bps from 4.95% to 4.80%, product fee £0, cashback £250

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 12th September 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Friday 13th September 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective 3rd September, we’re making a range of changes to our New Business product range.

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO49422] 60% LTV, decreasing by 14bps from 4.33% to 4.19%, product fee £995

2 year fixed rate purchase - high value

[FO49429] 60% LTV, decreasing by 14bps from 4.43% to 4.29%, product fee £995

2 year fixed rate purchase

[FO49340] 60% LTV, decreasing by 14bps from 4.28% to 4.14%, product fee £1,495

[FO49359] 60% LTV, decreasing by 19bps from 4.59% to 4.40%, product fee £0

[FO49453] 75% LTV, decreasing by 7bps from 4.44% to 4.37%, product fee £1,495

[FO49469] 75% LTV, decreasing by 12bps from 4.75% to 4.63%, product fee £0

[FO49452] 75% LTV, decreasing by 7bps from 4.49% to 4.42%, product fee £995

2 year fixed rate purchase - high value

[FO49419] 75% LTV, decreasing by 7bps from 4.59% to 4.52%, product fee £995

[FO49410] 80% LTV, decreasing by 2bps from 4.79% to 4.77%, product fee £995

2 year fixed rate purchase

[FO49401] 80% LTV, decreasing by 6bps from 4.94% to 4.88%, product fee £0

[FO49424] 80% LTV, decreasing by 2bps from 4.69% to 4.67%, product fee £995

[FO49435] 80% LTV, decreasing by 2bps from 4.64% to 4.62%, product fee £1,495

2 year fixed rate remortgage

[FO49467] 75% LTV, decreasing by 11bps from 4.63% to 4.52%, product fee £1,495, cashback £250

[FO49465] 75% LTV, decreasing by 17bps from 4.97% to 4.80%, product fee £0, cashback £250

[FO49466] 75% LTV, decreasing by 11bps from 4.68% to 4.57%, product fee £995, cashback £250

[FO49451] 75% LTV, decreasing by 17bps from 4.97% to 4.80%, product fee £0

[FO49347] 75% LTV, decreasing by 11bps from 4.68% to 4.57%, product fee £995

[FO49366] 75% LTV, decreasing by 11bps from 4.63% to 4.52%, product fee £1,495

[FO49448] 80% LTV, decreasing by 19bps from 5.04% to 4.85%, product fee £1,495, cashback £250

[FO49337] 80% LTV, decreasing by 19bps from 5.09% to 4.90%, product fee £995

[FO49377] 80% LTV, decreasing by 6bps from 5.53% to 5.47%, product fee £0

[FO49442] 80% LTV, decreasing by 19bps from 5.09% to 4.90%, product fee £995, cashback £250

2 year fixed rate remortgage - high value

[FO49342] 80% LTV, decreasing by 19bps from 5.19% to 5.00%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO49356] 80% LTV, decreasing by 19bps from 5.04% to 4.85%, product fee £1,495

[FO49390] 80% LTV, decreasing by 6bps from 5.53% to 5.47%, product fee £0, cashback £250

[FO49372] 85% LTV, decreasing by 10bps from 5.33% to 5.23%, product fee £995

[FO49417] 85% LTV, decreasing by 6bps from 5.66% to 5.60%, product fee £0, cashback £250

[FO49460] 85% LTV, decreasing by 10bps from 5.33% to 5.23%, product fee £995, cashback £250

[FO49317] 85% LTV, decreasing by 10bps from 5.28% to 5.18%, product fee £1,495

[FO49335] 85% LTV, decreasing by 6bps from 5.66% to 5.60%, product fee £0

[FO49463] 85% LTV, decreasing by 10bps from 5.28% to 5.18%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO49331] 85% LTV, decreasing by 10bps from 5.43% to 5.33%, product fee £995, cashback £250

5 year fixed rate purchase

[FO49440] 60% LTV, decreasing by 12bps from 3.94% to 3.82%, product fee £995

[FO49459] 60% LTV, decreasing by 12bps from 3.89% to 3.77%, product fee £1,495

[FO49360] 60% LTV, decreasing by 5bps from 4.09% to 4.04%, product fee £0

5 year fixed rate purchase - high value

[FO49352] 60% LTV, decreasing by 12bps from 4.04% to 3.92%, product fee £995

2 year fixed rate purchase - high value

[FO49411] 85% LTV, decreasing by 5bps from 4.84% to 4.79%, product fee £995

2 year fixed rate purchase

[FO49414] 85% LTV, decreasing by 13bps from 5.05% to 4.92%, product fee £0

[FO49447] 85% LTV, decreasing by 5bps from 4.69% to 4.64%, product fee £1,495

[FO49425] 85% LTV, decreasing by 5bps from 4.74% to 4.69%, product fee £995

2 year fixed rate remortgage

[FO49364] 60% LTV, decreasing by 10bps from 4.75% to 4.65%, product fee £0, cashback £250

2 year fixed rate remortgage - high value

[FO49475] 60% LTV, decreasing by 4bps from 4.49% to 4.45%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO49355] 60% LTV, decreasing by 4bps from 4.34% to 4.30%, product fee £1,495

[FO49468] 60% LTV, decreasing by 4bps from 4.39% to 4.35%, product fee £995, cashback £250

[FO49421] 60% LTV, decreasing by 10bps from 4.75% to 4.65%, product fee £0

[FO49461] 60% LTV, decreasing by 4bps from 4.34% to 4.30%, product fee £1,495, cashback £250

[FO49379] 60% LTV, decreasing by 4bps from 4.39% to 4.35%, product fee £995

2 year fixed rate remortgage - high value

[FO49336] 75% LTV, decreasing by 11bps from 4.78% to 4.67%, product fee £995, cashback £250

5 year fixed rate purchase - high value

[FO49403] 75% LTV, decreasing by 18bps from 4.26% to 4.08%, product fee £995

5 year fixed rate purchase

[FO49436] 75% LTV, decreasing by 18bps from 4.11% to 3.93%, product fee £1,495

[FO49338] 75% LTV, decreasing by 19bps from 4.29% to 4.10%, product fee £0

[FO49438] 75% LTV, decreasing by 18bps from 4.16% to 3.98%, product fee £995

[FO49357] 80% LTV, decreasing by 3bps from 4.43% to 4.40%, product fee £0

[FO49444] 85% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £1,495

[FO49443] 85% LTV, decreasing by 6bps from 4.41% to 4.35%, product fee £995

5 year fixed rate purchase - high value

[FO49333] 85% LTV, decreasing by 6bps from 4.51% to 4.45%, product fee £995

5 year fixed rate purchase

[FO49476] 85% LTV, decreasing by 4bps from 4.54% to 4.50%, product fee £0

5 year fixed rate remortgage

[FO49393] 60% LTV, decreasing by 5bps from 4.15% to 4.10%, product fee £0

[FO49370] 60% LTV, decreasing by 5bps from 4.15% to 4.10%, product fee £0, cashback £250

[FO49388] 60% LTV, decreasing by 8bps from 4.00% to 3.92%, product fee £1,495

[FO49441] 60% LTV, decreasing by 8bps from 4.00% to 3.92%, product fee £1,495, cashback £250

[FO49328] 60% LTV, decreasing by 8bps from 4.05% to 3.97%, product fee £995

5 year fixed rate remortgage - high value

[FO49405] 60% LTV, decreasing by 6bps from 4.13% to 4.07%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO49462] 60% LTV, decreasing by 8bps from 4.05% to 3.97%, product fee £995, cashback £250

[FO49471] 75% LTV, decreasing by 6bps from 4.22% to 4.16%, product fee £995, cashback £250

[FO49375] 75% LTV, decreasing by 6bps from 4.17% to 4.11%, product fee £1,495

[FO49472] 75% LTV, decreasing by 6bps from 4.17% to 4.11%, product fee £1,495, cashback £250

[FO49343] 75% LTV, decreasing by 8bps from 4.38% to 4.30%, product fee £0

[FO49430] 75% LTV, decreasing by 6bps from 4.22% to 4.16%, product fee £995

[FO49432] 75% LTV, decreasing by 8bps from 4.38% to 4.30%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO49396] 75% LTV, decreasing by 6bps from 4.32% to 4.26%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO49456] 80% LTV, decreasing by 3bps from 4.58% to 4.55%, product fee £995, cashback £250

[FO49457] 80% LTV, decreasing by 3bps from 4.53% to 4.50%, product fee £1,495, cashback £250

[FO49341] 80% LTV, decreasing by 6bps from 4.78% to 4.72%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO49431] 80% LTV, decreasing by 3bps from 4.68% to 4.65%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO49367] 80% LTV, decreasing by 6bps from 4.78% to 4.72%, product fee £0

[FO49397] 80% LTV, decreasing by 3bps from 4.58% to 4.55%, product fee £995

[FO49381] 80% LTV, decreasing by 3bps from 4.53% to 4.50%, product fee £1,495

[FO49455] 85% LTV, decreasing by 7bps from 4.67% to 4.60%, product fee £995, cashback £250

[FO49454] 85% LTV, decreasing by 7bps from 4.62% to 4.55%, product fee £1,495, cashback £250

[FO49402] 85% LTV, decreasing by 7bps from 4.62% to 4.55%, product fee £1,495

5 year fixed rate remortgage - high value

[FO49439] 85% LTV, decreasing by 7bps from 4.77% to 4.70%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO49395] 85% LTV, decreasing by 7bps from 4.67% to 4.60%, product fee £995

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO49427] 85% LTV, decreasing by 5bps from 4.74% to 4.69%, product fee £995, cashback £250

[FO49332] 85% LTV, decreasing by 13bps from 5.05% to 4.92%, product fee £0, cashback £250

5 year fixed rate purchase

[FO49378] 85% LTV, decreasing by 6bps from 4.41% to 4.35%, product fee £995, cashback £250

[FO49394] 85% LTV, decreasing by 4bps from 4.54% to 4.50%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO49404] 60% LTV, decreasing by 14bps from 4.48% to 4.34%, product fee £995, cashback £250

[FO49334] 60% LTV, decreasing by 19bps from 4.74% to 4.55%, product fee £0

[FO49383] 75% LTV, decreasing by 7bps from 4.64% to 4.57%, product fee £995, cashback £250

[FO49399] 75% LTV, decreasing by 12bps from 4.90% to 4.78%, product fee £0

5 year fixed rate purchase

[FO49406] 60% LTV, decreasing by 12bps from 4.09% to 3.97%, product fee £995, cashback £250

[FO49363] 60% LTV, decreasing by 5bps from 4.24% to 4.19%, product fee £0

[FO49316] 75% LTV, decreasing by 19bps from 4.44% to 4.25%, product fee £0

[FO49418] 75% LTV, decreasing by 18bps from 4.31% to 4.13%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO49433] 60% LTV, decreasing by 4bps from 4.54% to 4.50%, product fee £995, cashback £500

[FO49339] 60% LTV, decreasing by 10bps from 4.90% to 4.80%, product fee £0, cashback £500

[FO49445] 75% LTV, decreasing by 17bps from 5.12% to 4.95%, product fee £0, cashback £500

[FO49474] 75% LTV, decreasing by 11bps from 4.83% to 4.72%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO49373] 60% LTV, decreasing by 8bps from 4.20% to 4.12%, product fee £995, cashback £500

[FO49330] 60% LTV, decreasing by 5bps from 4.30% to 4.25%, product fee £0, cashback £500

[FO49470] 75% LTV, decreasing by 8bps from 4.53% to 4.45%, product fee £0, cashback £500

[FO49400] 75% LTV, decreasing by 6bps from 4.37% to 4.31%, product fee £995, cashback £500

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO49350] 60% LTV, decreasing by 14bps from 4.28% to 4.14%, product fee £995

[FO49413] 75% LTV, decreasing by 7bps from 4.44% to 4.37%, product fee £995

[FO49386] 85% LTV, decreasing by 5bps from 4.69% to 4.64%, product fee £995

2 year fixed rate remortgage

[FO49409] 60% LTV, decreasing by 4bps from 4.34% to 4.30%, product fee £995, cashback £250

[FO49348] 60% LTV, decreasing by 4bps from 4.34% to 4.30%, product fee £995

[FO49329] 75% LTV, decreasing by 11bps from 4.63% to 4.52%, product fee £995, cashback £250

[FO49374] 75% LTV, decreasing by 11bps from 4.63% to 4.52%, product fee £995

[FO49408] 85% LTV, decreasing by 10bps from 5.28% to 5.18%, product fee £995

[FO49315] 85% LTV, decreasing by 10bps from 5.28% to 5.18%, product fee £995, cashback £250

5 year fixed rate purchase

[FO49446] 60% LTV, decreasing by 12bps from 3.89% to 3.77%, product fee £995

[FO49437] 75% LTV, decreasing by 18bps from 4.11% to 3.93%, product fee £995

[FO49369] 85% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £995

5 year fixed rate remortgage

[FO49349] 60% LTV, decreasing by 8bps from 4.00% to 3.92%, product fee £995

[FO49426] 60% LTV, decreasing by 8bps from 4.00% to 3.92%, product fee £995, cashback £250

[FO49412] 75% LTV, decreasing by 6bps from 4.17% to 4.11%, product fee £995, cashback £250

[FO49380] 75% LTV, decreasing by 6bps from 4.17% to 4.11%, product fee £995

[FO49391] 85% LTV, decreasing by 7bps from 4.62% to 4.55%, product fee £995

[FO49420] 85% LTV, decreasing by 7bps from 4.62% to 4.55%, product fee £995, cashback £250

End dates

2 Year Term End Dates Moving from 30 November 2026 to 31 December 2026

5 Year Term End Dates Moving from 30 November 2029 to 31 December 2029

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 2nd September 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Tuesday 3rd September 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

We’re making rate changes to some of our Existing Customer product range on 20^th August.

You can view deals available for your customer in the Broker Portal. For guidance on how to select Existing Customer rates via the portal, please click here.

Submitting business to us

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 19^th August.

For packaging assistance, please have a look at our Income and Packaging Hub. You can keep up to date with our current service levels here.

ffective from Tuesday 13th August 2024

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO48641] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £1,495

[FO48674] 60% LTV, decreasing by 20bps from 4.79% to 4.59%, product fee £0

[FO48744] 60% LTV, decreasing by 20bps from 4.53% to 4.33%, product fee £995

2 year fixed rate purchase - high value

[FO48741] 60% LTV, decreasing by 20bps from 4.63% to 4.43%, product fee £995

2 year fixed rate purchase

[FO48776] 75% LTV, decreasing by 20bps from 4.64% to 4.44%, product fee £1,495

[FO48775] 75% LTV, decreasing by 20bps from 4.69% to 4.49%, product fee £995

[FO48796] 75% LTV, decreasing by 20bps from 4.95% to 4.75%, product fee £0

2 year fixed rate purchase - high value

[FO48720] 75% LTV, decreasing by 20bps from 4.79% to 4.59%, product fee £995

2 year fixed rate purchase

[FO48749] 80% LTV, decreasing by 20bps from 4.89% to 4.69%, product fee £995

[FO48750] 80% LTV, decreasing by 20bps from 4.84% to 4.64%, product fee £1,495

[FO48706] 80% LTV, decreasing by 20bps from 5.14% to 4.94%, product fee £0

2 year fixed rate purchase - high value

[FO48731] 80% LTV, decreasing by 20bps from 4.99% to 4.79%, product fee £995

2 year tracker rate purchase

[TO7429] 80% LTV, decreasing by 20bps from 6.04% to 5.84%, product fee £0

2 year tracker rate purchase - high value

[TO7447] 85% LTV, decreasing by 20bps from 5.84% to 5.64%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7427] 85% LTV, decreasing by 20bps from 6.09% to 5.89%, product fee £0

[TO7441] 85% LTV, decreasing by 20bps from 5.74% to 5.54%, product fee £995

[TO7439] 90% LTV, decreasing by 20bps from 6.13% to 5.93%, product fee £0

[TO7422] 90% LTV, decreasing by 20bps from 5.93% to 5.73%, product fee £995

2 year tracker rate remortgage - high value

[TO7416] 60% LTV, decreasing by 20bps from 5.64% to 5.44%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO7426] 60% LTV, decreasing by 20bps from 5.54% to 5.34%, product fee £995

[TO7444] 60% LTV, decreasing by 20bps from 5.54% to 5.34%, product fee £995, cashback £250

5 year fixed rate purchase

[FO48765] 60% LTV, decreasing by 14bps from 4.08% to 3.94%, product fee £995

5 year fixed rate purchase - high value

[FO48656] 60% LTV, decreasing by 14bps from 4.18% to 4.04%, product fee £995

5 year fixed rate purchase

[FO48778] 60% LTV, decreasing by 14bps from 4.03% to 3.89%, product fee £1,495

2 year fixed rate purchase

[FO48764] 85% LTV, decreasing by 20bps from 4.89% to 4.69%, product fee £1,495

[FO48753] 85% LTV, decreasing by 20bps from 4.94% to 4.74%, product fee £995

2 year fixed rate purchase - high value

[FO48732] 85% LTV, decreasing by 20bps from 5.04% to 4.84%, product fee £995

2 year fixed rate purchase

[FO48738] 85% LTV, decreasing by 20bps from 5.25% to 5.05%, product fee £0

[FO48795] 90% LTV, decreasing by 20bps from 5.43% to 5.23%, product fee £995

[FO48789] 90% LTV, decreasing by 20bps from 5.67% to 5.47%, product fee £0

[FO48683] 95% LTV, decreasing by 20bps from 6.04% to 5.84%, product fee £0

2 year fixed rate remortgage - high value

[FO48807] 60% LTV, decreasing by 20bps from 4.69% to 4.49%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO48662] 60% LTV, decreasing by 20bps from 5.00% to 4.80%, product fee £0, cashback £250

[FO48664] 60% LTV, decreasing by 20bps from 4.54% to 4.34%, product fee £1,495

[FO48788] 60% LTV, decreasing by 20bps from 4.54% to 4.34%, product fee £1,495, cashback £250

[FO48793] 60% LTV, decreasing by 20bps from 4.59% to 4.39%, product fee £995, cashback £250

[FO48743] 60% LTV, decreasing by 20bps from 5.00% to 4.80%, product fee £0

[FO48687] 60% LTV, decreasing by 20bps from 4.59% to 4.39%, product fee £995

[FO48667] 75% LTV, decreasing by 20bps from 4.83% to 4.63%, product fee £1,495

[FO48774] 75% LTV, decreasing by 20bps from 5.17% to 4.97%, product fee £0

2 year fixed rate remortgage - high value

[FO48631] 75% LTV, decreasing by 20bps from 4.98% to 4.78%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO48787] 75% LTV, decreasing by 20bps from 4.83% to 4.63%, product fee £1,495, cashback £250

[FO48654] 75% LTV, decreasing by 20bps from 4.88% to 4.68%, product fee £995

[FO48803] 75% LTV, decreasing by 20bps from 5.17% to 4.97%, product fee £0, cashback £250

[FO48786] 75% LTV, decreasing by 20bps from 4.88% to 4.68%, product fee £995, cashback £250

[FO48632] 80% LTV, decreasing by 20bps from 5.29% to 5.09%, product fee £995

[FO48696] 80% LTV, decreasing by 20bps from 5.73% to 5.53%, product fee £0

[FO48665] 80% LTV, decreasing by 20bps from 5.24% to 5.04%, product fee £1,495

5 year fixed rate purchase

[FO48652] 60% LTV, decreasing by 14bps from 4.23% to 4.09%, product fee £0

5 year fixed rate purchase - high value

[FO48713] 75% LTV, decreasing by 20bps from 4.46% to 4.26%, product fee £995

5 year fixed rate purchase

[FO48751] 75% LTV, decreasing by 20bps from 4.31% to 4.11%, product fee £1,495

[FO48760] 75% LTV, decreasing by 20bps from 4.36% to 4.16%, product fee £995

[FO48635] 75% LTV, decreasing by 20bps from 4.49% to 4.29%, product fee £0

[FO48670] 80% LTV, decreasing by 20bps from 4.63% to 4.43%, product fee £0

[FO48758] 80% LTV, decreasing by 20bps from 4.44% to 4.24%, product fee £1,495

[FO48773] 80% LTV, decreasing by 20bps from 4.49% to 4.29%, product fee £995

5 year fixed rate purchase - high value

[FO48800] 80% LTV, decreasing by 20bps from 4.59% to 4.39%, product fee £995

5 year fixed rate purchase

[FO48771] 85% LTV, decreasing by 20bps from 4.61% to 4.41%, product fee £995

[FO48810] 85% LTV, decreasing by 20bps from 4.74% to 4.54%, product fee £0

[FO48772] 85% LTV, decreasing by 20bps from 4.56% to 4.36%, product fee £1,495

5 year fixed rate purchase - high value

[FO48644] 85% LTV, decreasing by 20bps from 4.71% to 4.51%, product fee £995

2 year fixed rate remortgage

[FO48767] 80% LTV, decreasing by 20bps from 5.29% to 5.09%, product fee £995, cashback £250

[FO48768] 80% LTV, decreasing by 20bps from 5.24% to 5.04%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO48645] 80% LTV, decreasing by 20bps from 5.39% to 5.19%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO48711] 80% LTV, decreasing by 20bps from 5.73% to 5.53%, product fee £0, cashback £250

[FO48779] 85% LTV, decreasing by 20bps from 5.53% to 5.33%, product fee £995, cashback £250

[FO48715] 85% LTV, decreasing by 20bps from 5.86% to 5.66%, product fee £0, cashback £250

[FO48791] 85% LTV, decreasing by 20bps from 5.48% to 5.28%, product fee £1,495, cashback £250

[FO48681] 85% LTV, decreasing by 20bps from 5.53% to 5.33%, product fee £995

[FO48626] 85% LTV, decreasing by 20bps from 5.86% to 5.66%, product fee £0

2 year fixed rate remortgage - high value

[FO48629] 85% LTV, decreasing by 20bps from 5.63% to 5.43%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO48643] 85% LTV, decreasing by 20bps from 5.48% to 5.28%, product fee £1,495

[FO48727] 90% LTV, decreasing by 20bps from 5.88% to 5.68%, product fee £995

[FO48726] 90% LTV, decreasing by 20bps from 5.88% to 5.68%, product fee £995, cashback £250

[FO48684] 90% LTV, decreasing by 20bps from 6.22% to 6.02%, product fee £0

[FO48666] 90% LTV, decreasing by 20bps from 6.22% to 6.02%, product fee £0, cashback £250

2 year tracker rate purchase - high value

[TO7428] 60% LTV, decreasing by 20bps from 5.64% to 5.44%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7445] 60% LTV, decreasing by 20bps from 5.93% to 5.73%, product fee £0

[TO7443] 60% LTV, decreasing by 20bps from 5.54% to 5.34%, product fee £995

[TO7423] 75% LTV, decreasing by 20bps from 5.93% to 5.73%, product fee £0

2 year tracker rate purchase - high value

[TO7425] 75% LTV, decreasing by 20bps from 5.79% to 5.59%, product fee £995, cashback £250

2 year tracker rate purchase

[TO7442] 75% LTV, decreasing by 20bps from 5.69% to 5.49%, product fee £995

[TO7440] 80% LTV, decreasing by 20bps from 5.69% to 5.49%, product fee £995

2 year tracker rate purchase - high value

[TO7435] 80% LTV, decreasing by 20bps from 5.79% to 5.59%, product fee £995, cashback £250

5 year fixed rate purchase

[FO48809] 90% LTV, decreasing by 20bps from 4.88% to 4.68%, product fee £995

[FO48619] 90% LTV, decreasing by 20bps from 5.02% to 4.82%, product fee £0

[FO48627] 95% LTV, decreasing by 20bps from 5.41% to 5.21%, product fee £0

5 year fixed rate remortgage

[FO48618] 60% LTV, decreasing by 14bps from 4.29% to 4.15%, product fee £995

[FO48766] 60% LTV, decreasing by 14bps from 4.24% to 4.10%, product fee £1,495, cashback £250

[FO48676] 60% LTV, decreasing by 14bps from 4.45% to 4.31%, product fee £0, cashback £250

[FO48708] 60% LTV, decreasing by 14bps from 4.24% to 4.10%, product fee £1,495

[FO48790] 60% LTV, decreasing by 14bps from 4.29% to 4.15%, product fee £995, cashback £250

[FO48700] 60% LTV, decreasing by 14bps from 4.45% to 4.31%, product fee £0

5 year fixed rate remortgage - high value

[FO48728] 60% LTV, decreasing by 14bps from 4.39% to 4.25%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO48646] 75% LTV, decreasing by 20bps from 4.58% to 4.38%, product fee £0

[FO48783] 75% LTV, decreasing by 20bps from 4.42% to 4.22%, product fee £995, cashback £250

[FO48784] 75% LTV, decreasing by 20bps from 4.37% to 4.17%, product fee £1,495, cashback £250

[FO48756] 75% LTV, decreasing by 20bps from 4.58% to 4.38%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO48704] 75% LTV, decreasing by 20bps from 4.52% to 4.32%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO48745] 75% LTV, decreasing by 20bps from 4.42% to 4.22%, product fee £995

[FO48691] 75% LTV, decreasing by 20bps from 4.37% to 4.17%, product fee £1,495

[FO48692] 80% LTV, decreasing by 20bps from 4.73% to 4.53%, product fee £1,495

[FO48668] 80% LTV, decreasing by 20bps from 4.98% to 4.78%, product fee £0

[FO48782] 80% LTV, decreasing by 20bps from 4.78% to 4.58%, product fee £995, cashback £250

[FO48716] 80% LTV, decreasing by 20bps from 4.78% to 4.58%, product fee £995

[FO48792] 80% LTV, decreasing by 20bps from 4.73% to 4.53%, product fee £1,495, cashback £250

[FO48642] 80% LTV, decreasing by 20bps from 4.98% to 4.78%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

[FO48746] 80% LTV, decreasing by 20bps from 4.88% to 4.68%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO48702] 85% LTV, decreasing by 20bps from 4.87% to 4.67%, product fee £995

[FO48710] 85% LTV, decreasing by 20bps from 4.82% to 4.62%, product fee £1,495

5 year fixed rate remortgage - high value

[FO48761] 85% LTV, decreasing by 20bps from 4.97% to 4.77%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO48759] 85% LTV, decreasing by 20bps from 5.10% to 4.90%, product fee £0, cashback £250

[FO48781] 85% LTV, decreasing by 20bps from 4.87% to 4.67%, product fee £995, cashback £250

[FO48721] 85% LTV, decreasing by 20bps from 5.10% to 4.90%, product fee £0

[FO48780] 85% LTV, decreasing by 20bps from 4.82% to 4.62%, product fee £1,495, cashback £250

[FO48730] 90% LTV, decreasing by 20bps from 5.38% to 5.18%, product fee £0

[FO48682] 90% LTV, decreasing by 20bps from 5.31% to 5.11%, product fee £995

[FO48638] 90% LTV, decreasing by 20bps from 5.38% to 5.18%, product fee £0, cashback £250

[FO48655] 90% LTV, decreasing by 20bps from 5.31% to 5.11%, product fee £995, cashback £250

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO48739] 85% LTV, decreasing by 20bps from 4.94% to 4.74%, product fee £995, cashback £250

[FO48633] 85% LTV, decreasing by 20bps from 5.25% to 5.05%, product fee £0, cashback £250

[FO48798] 90% LTV, decreasing by 20bps from 5.67% to 5.47%, product fee £0, cashback £250

[FO48680] 90% LTV, decreasing by 20bps from 5.43% to 5.23%, product fee £995, cashback £250

5 year fixed rate purchase

[FO48686] 85% LTV, decreasing by 20bps from 4.61% to 4.41%, product fee £995, cashback £250

[FO48701] 85% LTV, decreasing by 20bps from 4.74% to 4.54%, product fee £0, cashback £250

[FO48623] 90% LTV, decreasing by 20bps from 4.88% to 4.68%, product fee £995, cashback £250

[FO48747] 90% LTV, decreasing by 20bps from 5.02% to 4.82%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO48625] 60% LTV, decreasing by 20bps from 4.94% to 4.74%, product fee £0

[FO48724] 60% LTV, decreasing by 20bps from 4.68% to 4.48%, product fee £995, cashback £250

[FO48718] 75% LTV, decreasing by 20bps from 5.10% to 4.90%, product fee £0

[FO48697] 75% LTV, decreasing by 20bps from 4.84% to 4.64%, product fee £995, cashback £250

5 year fixed rate purchase

[FO48729] 60% LTV, decreasing by 14bps from 4.23% to 4.09%, product fee £995, cashback £250

[FO48679] 60% LTV, decreasing by 14bps from 4.38% to 4.24%, product fee £0

[FO48639] 75% LTV, decreasing by 20bps from 4.64% to 4.44%, product fee £0

[FO48719] 75% LTV, decreasing by 20bps from 4.51% to 4.31%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO48636] 60% LTV, decreasing by 20bps from 5.15% to 4.95%, product fee £0, cashback £500

[FO48755] 60% LTV, decreasing by 20bps from 4.74% to 4.54%, product fee £995, cashback £500

[FO48814] 75% LTV, decreasing by 20bps from 5.03% to 4.83%, product fee £995, cashback £500

[FO48762] 75% LTV, decreasing by 20bps from 5.32% to 5.12%, product fee £0, cashback £500

5 year fixed rate remortgage

[FO48689] 60% LTV, decreasing by 14bps from 4.44% to 4.30%, product fee £995, cashback £500

[FO48628] 60% LTV, decreasing by 14bps from 4.60% to 4.46%, product fee £0, cashback £500

[FO48705] 75% LTV, decreasing by 20bps from 4.57% to 4.37%, product fee £995, cashback £500

[FO48797] 75% LTV, decreasing by 20bps from 4.73% to 4.53%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO48693] 60% LTV, decreasing by 42bps from 5.09% to 4.67%, product fee £995

[FO48624] 60% LTV, decreasing by 31bps from 5.28% to 4.97%, product fee £0

[FO48785] 60% LTV, decreasing by 62bps from 4.61% to 3.99%, product fee £3,499

2 year fixed rate remortgage

[FO48685] 60% LTV, decreasing by 10bps from 4.94% to 4.84%, product fee £995, cashback £250

[FO48801] 60% LTV, decreasing by 10bps from 4.94% to 4.84%, product fee £995

[FO48640] 60% LTV, decreasing by 18bps from 5.37% to 5.19%, product fee £0, cashback £250

[FO48669] 60% LTV, decreasing by 76bps from 4.81% to 4.05%, product fee £3,499

[FO48630] 60% LTV, decreasing by 18bps from 5.37% to 5.19%, product fee £0

5 year fixed rate purchase

[FO48659] 60% LTV, decreasing by 27bps from 4.63% to 4.36%, product fee £995

[FO48620] 60% LTV, decreasing by 34bps from 4.78% to 4.44%, product fee £0

5 year fixed rate remortgage

[FO48722] 60% LTV, decreasing by 20bps from 4.60% to 4.40%, product fee £995

[FO48799] 60% LTV, decreasing by 24bps from 4.83% to 4.59%, product fee £0, cashback £250

[FO48806] 60% LTV, decreasing by 24bps from 4.83% to 4.59%, product fee £0

[FO48802] 60% LTV, decreasing by 20bps from 4.60% to 4.40%, product fee £995, cashback £250

[FO48808] 60% LTV, decreasing by 35bps from 4.50% to 4.15%, product fee £3,499

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO48647] 60% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £995

[FO48737] 75% LTV, decreasing by 20bps from 4.64% to 4.44%, product fee £995

[FO48703] 85% LTV, decreasing by 20bps from 4.89% to 4.69%, product fee £995

2 year fixed rate remortgage

[FO48657] 60% LTV, decreasing by 20bps from 4.54% to 4.34%, product fee £995

[FO48735] 60% LTV, decreasing by 20bps from 4.54% to 4.34%, product fee £995, cashback £250

[FO48690] 75% LTV, decreasing by 20bps from 4.83% to 4.63%, product fee £995

[FO48622] 75% LTV, decreasing by 20bps from 4.83% to 4.63%, product fee £995, cashback £250

[FO48637] 85% LTV, decreasing by 11bps from 5.39% to 5.28%, product fee £995, cashback £250

[FO48734] 85% LTV, decreasing by 11bps from 5.39% to 5.28%, product fee £995

5 year fixed rate purchase

[FO48763] 60% LTV, decreasing by 14bps from 4.03% to 3.89%, product fee £995

[FO48752] 75% LTV, decreasing by 20bps from 4.31% to 4.11%, product fee £995

[FO48672] 85% LTV, decreasing by 20bps from 4.56% to 4.36%, product fee £995

5 year fixed rate remortgage

[FO48754] 60% LTV, decreasing by 14bps from 4.24% to 4.10%, product fee £995, cashback £250

[FO48658] 60% LTV, decreasing by 14bps from 4.24% to 4.10%, product fee £995

[FO48688] 75% LTV, decreasing by 20bps from 4.37% to 4.17%, product fee £995

[FO48736] 75% LTV, decreasing by 20bps from 4.37% to 4.17%, product fee £995, cashback £250

[FO48712] 85% LTV, decreasing by 20bps from 4.82% to 4.62%, product fee £995

[FO48725] 85% LTV, decreasing by 20bps from 4.82% to 4.62%, product fee £995, cashback £250

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO48805] 65% LTV, decreasing by 42bps from 4.99% to 4.57%, product fee £995

2 year fixed rate remortgage

[FO48813] 65% LTV, decreasing by 10bps from 4.84% to 4.74%, product fee £995

[FO48804] 65% LTV, decreasing by 10bps from 4.84% to 4.74%, product fee £995, cashback £250

5 year fixed rate purchase

[FO48812] 65% LTV, decreasing by 27bps from 4.53% to 4.26%, product fee £995

5 year fixed rate remortgage

[FO48621] 65% LTV, decreasing by 20bps from 4.50% to 4.30%, product fee £995, cashback £250

[FO48648] 65% LTV, decreasing by 20bps from 4.50% to 4.30%, product fee £995

Existing Customer

We’re also making rate changes to some of our Existing Customer product range effective on 13th August 2024.

You can view deals available for your customer in the Broker Portal. For guidance on how to select Existing Customer rates via the portal, please click here.

End dates

There are no changes to end dates

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10.30pm on Monday 12th August 2024. 

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK 18001 0345 026 0008) by midday on Tuesday 13th August 2024.  Requests received after this time will not be considered.

The detail we will require are as follows:

-          Your details – name, company and postcode

-          Customer name

-          Product applied for

-          Amount of mortgage loan

-          Reason – if you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

Once you have spoken to the team, please submit the case through our intermediary website. 

For a complete listing of all mortgage product please visit our products page. 

Effective from Friday 19 July 2024

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO47410] 60% LTV, decreasing by 14bps from 4.77% to 4.63%, product fee £995

[FO47368] 60% LTV, decreasing by 14bps from 5.01% to 4.87%, product fee £0

[FO47348] 60% LTV, decreasing by 14bps from 4.72% to 4.58%, product fee £1,495

2 year fixed rate purchase - high value

[FO47405] 60% LTV, decreasing by 14bps from 4.87% to 4.73%, product fee £995

[FO47391] 75% LTV, decreasing by 13bps from 4.97% to 4.84%, product fee £995

2 year fixed rate purchase

[FO47431] 75% LTV, decreasing by 13bps from 4.82% to 4.69%, product fee £1,495

[FO47430] 75% LTV, decreasing by 13bps from 4.87% to 4.74%, product fee £995

[FO47439] 75% LTV, decreasing by 11bps from 5.08% to 4.97%, product fee £0

[FO47385] 80% LTV, decreasing by 4bps from 5.25% to 5.21%, product fee £0

2 year fixed rate purchase - high value

[FO47393] 80% LTV, decreasing by 6bps from 5.08% to 5.02%, product fee £995

2 year fixed rate purchase

[FO47416] 80% LTV, decreasing by 6bps from 4.93% to 4.87%, product fee £1,495

[FO47415] 80% LTV, decreasing by 6bps from 4.98% to 4.92%, product fee £995

[FO47401] 85% LTV, decreasing by 8bps from 5.33% to 5.25%, product fee £0

[FO47426] 85% LTV, decreasing by 14bps from 5.03% to 4.89%, product fee £1,495

[FO47423] 85% LTV, decreasing by 14bps from 5.08% to 4.94%, product fee £995

2 year fixed rate purchase - high value

[FO47394] 85% LTV, decreasing by 14bps from 5.18% to 5.04%, product fee £995

2 year fixed rate remortgage

[FO47361] 60% LTV, decreasing by 7bps from 4.81% to 4.74%, product fee £995

[FO47359] 60% LTV, decreasing by 8bps from 5.14% to 5.06%, product fee £0, cashback £250

[FO47440] 60% LTV, decreasing by 7bps from 4.76% to 4.69%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO47449] 60% LTV, decreasing by 7bps from 4.91% to 4.84%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO47409] 60% LTV, decreasing by 8bps from 5.14% to 5.06%, product fee £0

[FO47429] 60% LTV, decreasing by 7bps from 4.81% to 4.74%, product fee £995, cashback £250

[FO47353] 60% LTV, decreasing by 7bps from 4.76% to 4.69%, product fee £1,495

[FO47435] 75% LTV, decreasing by 5bps from 4.93% to 4.88%, product fee £1,495, cashback £250

[FO47434] 75% LTV, decreasing by 5bps from 4.98% to 4.93%, product fee £995, cashback £250

[FO47349] 75% LTV, decreasing by 5bps from 4.98% to 4.93%, product fee £995

2 year fixed rate remortgage - high value

[FO47338] 75% LTV, decreasing by 5bps from 5.08% to 5.03%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO47357] 75% LTV, decreasing by 5bps from 4.93% to 4.88%, product fee £1,495

[FO47354] 80% LTV, decreasing by 15bps from 5.48% to 5.33%, product fee £1,495

[FO47433] 80% LTV, decreasing by 15bps from 5.48% to 5.33%, product fee £1,495, cashback £250

[FO47371] 80% LTV, decreasing by 18bps from 5.91% to 5.73%, product fee £0

2 year fixed rate remortgage - high value

[FO47337] 80% LTV, decreasing by 15bps from 5.63% to 5.48%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO47339] 80% LTV, decreasing by 15bps from 5.53% to 5.38%, product fee £995

[FO47379] 80% LTV, decreasing by 18bps from 5.91% to 5.73%, product fee £0, cashback £250

[FO47432] 80% LTV, decreasing by 15bps from 5.53% to 5.38%, product fee £995, cashback £250

[FO47437] 85% LTV, decreasing by 13bps from 5.66% to 5.53%, product fee £995, cashback £250

[FO47438] 85% LTV, decreasing by 13bps from 5.61% to 5.48%, product fee £1,495, cashback £250

[FO47372] 85% LTV, decreasing by 13bps from 5.66% to 5.53%, product fee £995

2 year fixed rate remortgage - high value

[FO47335] 85% LTV, decreasing by 13bps from 5.76% to 5.63%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO47386] 85% LTV, decreasing by 7bps from 5.93% to 5.86%, product fee £0, cashback £250

[FO47351] 85% LTV, decreasing by 13bps from 5.61% to 5.48%, product fee £1,495

[FO47332] 85% LTV, decreasing by 7bps from 5.93% to 5.86%, product fee £0

5 year fixed rate purchase

[FO47436] 60% LTV, decreasing by 15bps from 4.29% to 4.14%, product fee £1,495

[FO47346] 60% LTV, decreasing by 23bps from 4.51% to 4.28%, product fee £0

[FO47427] 60% LTV, decreasing by 15bps from 4.34% to 4.19%, product fee £995

5 year fixed rate purchase - high value

[FO47352] 60% LTV, decreasing by 18bps from 4.44% to 4.26%, product fee £995

5 year fixed rate purchase

[FO47421] 75% LTV, decreasing by 11bps from 4.44% to 4.33%, product fee £1,495

5 year fixed rate purchase - high value

[FO47382] 75% LTV, decreasing by 11bps from 4.59% to 4.48%, product fee £995

5 year fixed rate purchase

[FO47425] 75% LTV, decreasing by 11bps from 4.49% to 4.38%, product fee £995

[FO47343] 75% LTV, decreasing by 5bps from 4.63% to 4.58%, product fee £0

[FO47419] 80% LTV, decreasing by 8bps from 4.67% to 4.59%, product fee £995

5 year fixed rate purchase - high value

[FO47450] 80% LTV, decreasing by 5bps from 4.74% to 4.69%, product fee £995

5 year fixed rate purchase

[FO47360] 80% LTV, decreasing by 5bps from 4.76% to 4.71%, product fee £0

[FO47420] 80% LTV, decreasing by 8bps from 4.62% to 4.54%, product fee £1,495

[FO47417] 85% LTV, decreasing by 6bps from 4.67% to 4.61%, product fee £995

[FO47453] 85% LTV, decreasing by 13bps from 4.87% to 4.74%, product fee £0

5 year fixed rate purchase - high value

[FO47336] 85% LTV, decreasing by 6bps from 4.77% to 4.71%, product fee £995

5 year fixed rate purchase

[FO47418] 85% LTV, decreasing by 6bps from 4.62% to 4.56%, product fee £1,495

5 year fixed rate remortgage - high value

[FO47402] 60% LTV, decreasing by 8bps from 4.51% to 4.43%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO47375] 60% LTV, decreasing by 12bps from 4.57% to 4.45%, product fee £0

[FO47388] 60% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £1,495

[FO47369] 60% LTV, decreasing by 12bps from 4.57% to 4.45%, product fee £0, cashback £250

[FO47448] 60% LTV, decreasing by 6bps from 4.41% to 4.35%, product fee £995, cashback £250

[FO47330] 60% LTV, decreasing by 6bps from 4.41% to 4.35%, product fee £995

[FO47428] 60% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £1,495, cashback £250

[FO47366] 75% LTV, decreasing by 11bps from 4.55% to 4.44%, product fee £1,495

[FO47341] 75% LTV, decreasing by 11bps from 4.78% to 4.67%, product fee £0

[FO47411] 75% LTV, decreasing by 11bps from 4.60% to 4.49%, product fee £995

[FO47408] 75% LTV, decreasing by 11bps from 4.78% to 4.67%, product fee £0, cashback £250

[FO47445] 75% LTV, decreasing by 11bps from 4.60% to 4.49%, product fee £995, cashback £250

[FO47446] 75% LTV, decreasing by 11bps from 4.55% to 4.44%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO47383] 75% LTV, decreasing by 11bps from 4.70% to 4.59%, product fee £995, cashback £250

[FO47412] 80% LTV, decreasing by 15bps from 5.08% to 4.93%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO47358] 80% LTV, decreasing by 18bps from 5.16% to 4.98%, product fee £0

[FO47441] 80% LTV, decreasing by 15bps from 4.93% to 4.78%, product fee £1,495, cashback £250

[FO47367] 80% LTV, decreasing by 15bps from 4.93% to 4.78%, product fee £1,495

[FO47444] 80% LTV, decreasing by 15bps from 4.98% to 4.83%, product fee £995, cashback £250

[FO47387] 80% LTV, decreasing by 15bps from 4.98% to 4.83%, product fee £995

[FO47350] 80% LTV, decreasing by 18bps from 5.16% to 4.98%, product fee £0, cashback £250

[FO47443] 85% LTV, decreasing by 5bps from 5.02% to 4.97%, product fee £995, cashback £250

[FO47378] 85% LTV, decreasing by 5bps from 4.97% to 4.92%, product fee £1,495

[FO47392] 85% LTV, decreasing by 17bps from 5.27% to 5.10%, product fee £0

[FO47424] 85% LTV, decreasing by 17bps from 5.27% to 5.10%, product fee £0, cashback £250

[FO47442] 85% LTV, decreasing by 5bps from 4.97% to 4.92%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO47413] 85% LTV, decreasing by 5bps from 5.12% to 5.07%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO47377] 85% LTV, decreasing by 5bps from 5.02% to 4.97%, product fee £995

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO47404] 85% LTV, decreasing by 14bps from 5.08% to 4.94%, product fee £995, cashback £250

[FO47340] 85% LTV, decreasing by 8bps from 5.33% to 5.25%, product fee £0, cashback £250

5 year fixed rate purchase

[FO47376] 85% LTV, decreasing by 13bps from 4.87% to 4.74%, product fee £0, cashback £250

[FO47374] 85% LTV, decreasing by 6bps from 4.67% to 4.61%, product fee £995, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO47395] 60% LTV, decreasing by 14bps from 4.92% to 4.78%, product fee £995, cashback £250

[FO47331] 60% LTV, decreasing by 14bps from 5.16% to 5.02%, product fee £0

[FO47373] 75% LTV, decreasing by 13bps from 5.02% to 4.89%, product fee £995, cashback £250

[FO47389] 75% LTV, decreasing by 11bps from 5.23% to 5.12%, product fee £0

5 year fixed rate purchase

[FO47370] 60% LTV, decreasing by 23bps from 4.66% to 4.43%, product fee £0

[FO47403] 60% LTV, decreasing by 15bps from 4.49% to 4.34%, product fee £995, cashback £250

[FO47347] 75% LTV, decreasing by 5bps from 4.78% to 4.73%, product fee £0

[FO47390] 75% LTV, decreasing by 11bps from 4.64% to 4.53%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO47344] 60% LTV, decreasing by 8bps from 5.29% to 5.21%, product fee £0, cashback £500

[FO47407] 60% LTV, decreasing by 7bps from 4.96% to 4.89%, product fee £995, cashback £500

[FO47452] 75% LTV, decreasing by 5bps from 5.13% to 5.08%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO47334] 60% LTV, decreasing by 12bps from 4.72% to 4.60%, product fee £0, cashback £500

[FO47363] 60% LTV, decreasing by 6bps from 4.56% to 4.50%, product fee £995, cashback £500

[FO47384] 75% LTV, decreasing by 11bps from 4.75% to 4.64%, product fee £995, cashback £500

[FO47447] 75% LTV, decreasing by 11bps from 4.93% to 4.82%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

5 year fixed rate remortgage

[FO47451] 60% LTV, decreasing by 16bps from 4.66% to 4.50%, product fee £3,499

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO47342] 60% LTV, decreasing by 14bps from 4.72% to 4.58%, product fee £995

[FO47400] 75% LTV, decreasing by 13bps from 4.82% to 4.69%, product fee £995

[FO47380] 85% LTV, decreasing by 14bps from 5.03% to 4.89%, product fee £995

2 year fixed rate remortgage

[FO47397] 60% LTV, decreasing by 7bps from 4.76% to 4.69%, product fee £995, cashback £250

[FO47355] 60% LTV, decreasing by 7bps from 4.76% to 4.69%, product fee £995

[FO47365] 75% LTV, decreasing by 5bps from 4.93% to 4.88%, product fee £995

[FO47333] 75% LTV, decreasing by 5bps from 4.93% to 4.88%, product fee £995, cashback £250

[FO47345] 85% LTV, decreasing by 13bps from 5.61% to 5.48%, product fee £995, cashback £250

[FO47396] 85% LTV, decreasing by 13bps from 5.61% to 5.48%, product fee £995

5 year fixed rate purchase

[FO47414] 60% LTV, decreasing by 15bps from 4.29% to 4.14%, product fee £995

[FO47422] 75% LTV, decreasing by 11bps from 4.44% to 4.33%, product fee £995

[FO47364] 85% LTV, decreasing by 6bps from 4.62% to 4.56%, product fee £995

5 year fixed rate remortgage

[FO47406] 60% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £995, cashback £250

[FO47356] 60% LTV, decreasing by 6bps from 4.36% to 4.30%, product fee £995

[FO47362] 75% LTV, decreasing by 11bps from 4.55% to 4.44%, product fee £995

[FO47399] 75% LTV, decreasing by 11bps from 4.55% to 4.44%, product fee £995, cashback £250

[FO47398] 85% LTV, decreasing by 5bps from 4.97% to 4.92%, product fee £995, cashback £250

[FO47381] 85% LTV, decreasing by 5bps from 4.97% to 4.92%, product fee £995

Existing Customer

No Changes

End dates

2 Year Term End Dates Moving from 31 October 2026 to 30 November 2026

5 Year Term End Dates Moving from 31 October 2029 to 30 November 2029

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 18th July 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Friday 19th July 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Thursday 20th June 2024

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO46745] 60% LTV, decreasing by 3bps from 5.12% to 5.09%, product fee £0

[FO46726] 60% LTV, decreasing by 4bps from 4.82% to 4.78%, product fee £1,495

[FO46793] 60% LTV, decreasing by 4bps from 4.87% to 4.83%, product fee £995

2 year fixed rate purchase - high value

[FO46789] 60% LTV, decreasing by 4bps from 4.97% to 4.93%, product fee £995

2 year fixed rate purchase

[FO46821] 75% LTV, decreasing by 13bps from 5.22% to 5.09%, product fee £0

[FO46814] 75% LTV, decreasing by 13bps from 5.02% to 4.89%, product fee £995

2 year fixed rate purchase - high value

[FO46772] 75% LTV, decreasing by 13bps from 5.12% to 4.99%, product fee £995

2 year fixed rate purchase

[FO46815] 75% LTV, decreasing by 13bps from 4.97% to 4.84%, product fee £1,495

[FO46799] 80% LTV, decreasing by 9bps from 5.17% to 5.08%, product fee £995

2 year fixed rate purchase - high value

[FO46776] 80% LTV, decreasing by 9bps from 5.27% to 5.18%, product fee £995

2 year fixed rate purchase

[FO46766] 80% LTV, decreasing by 14bps from 5.48% to 5.34%, product fee £0

[FO46800] 80% LTV, decreasing by 9bps from 5.12% to 5.03%, product fee £1,495

2 year fixed rate purchase - high value

[FO46777] 85% LTV, decreasing by 4bps from 5.27% to 5.23%, product fee £995

2 year fixed rate purchase

[FO46784] 85% LTV, decreasing by 10bps from 5.48% to 5.38%, product fee £0

[FO46809] 85% LTV, decreasing by 4bps from 5.17% to 5.13%, product fee £995

[FO46810] 85% LTV, decreasing by 4bps from 5.12% to 5.08%, product fee £1,495

[FO46820] 90% LTV, decreasing by 3bps from 5.46% to 5.43%, product fee £995

[FO46831] 90% LTV, decreasing by 10bps from 5.80% to 5.70%, product fee £0

[FO46752] 95% LTV, decreasing by 10bps from 6.37% to 6.27%, product fee £0

2 year fixed rate remortgage

[FO46792] 60% LTV, decreasing by 4bps from 5.22% to 5.18%, product fee £0

[FO46737] 60% LTV, decreasing by 4bps from 5.22% to 5.18%, product fee £0, cashback £250

[FO46727] 75% LTV, decreasing by 13bps from 5.16% to 5.03%, product fee £995

[FO46813] 75% LTV, decreasing by 1bps from 5.27% to 5.26%, product fee £0

2 year fixed rate remortgage - high value

[FO46715] 75% LTV, decreasing by 13bps from 5.26% to 5.13%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46818] 75% LTV, decreasing by 13bps from 5.16% to 5.03%, product fee £995, cashback £250

[FO46819] 75% LTV, decreasing by 13bps from 5.11% to 4.98%, product fee £1,495, cashback £250

[FO46835] 75% LTV, decreasing by 1bps from 5.27% to 5.26%, product fee £0, cashback £250

[FO46735] 75% LTV, decreasing by 13bps from 5.11% to 4.98%, product fee £1,495

2 year fixed rate remortgage - high value

[FO46714] 80% LTV, decreasing by 8bps from 5.84% to 5.76%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46732] 80% LTV, decreasing by 8bps from 5.69% to 5.61%, product fee £1,495

[FO46716] 80% LTV, decreasing by 8bps from 5.74% to 5.66%, product fee £995

[FO46760] 80% LTV, decreasing by 13bps from 6.06% to 5.93%, product fee £0, cashback £250

[FO46817] 80% LTV, decreasing by 8bps from 5.69% to 5.61%, product fee £1,495, cashback £250

[FO46749] 80% LTV, decreasing by 13bps from 6.06% to 5.93%, product fee £0

[FO46816] 80% LTV, decreasing by 8bps from 5.74% to 5.66%, product fee £995, cashback £250

[FO46767] 85% LTV, decreasing by 12bps from 6.15% to 6.03%, product fee £0, cashback £250

[FO46750] 85% LTV, decreasing by 8bps from 5.76% to 5.68%, product fee £995

2 year fixed rate remortgage - high value

[FO46704] 85% LTV, decreasing by 8bps from 5.86% to 5.78%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46824] 85% LTV, decreasing by 8bps from 5.71% to 5.63%, product fee £1,495, cashback £250

[FO46823] 85% LTV, decreasing by 8bps from 5.76% to 5.68%, product fee £995, cashback £250

[FO46709] 85% LTV, decreasing by 12bps from 6.15% to 6.03%, product fee £0

[FO46730] 85% LTV, decreasing by 8bps from 5.71% to 5.63%, product fee £1,495

[FO46780] 90% LTV, decreasing by 15bps from 6.08% to 5.93%, product fee £995, cashback £250

[FO46781] 90% LTV, decreasing by 15bps from 6.08% to 5.93%, product fee £995

[FO46754] 90% LTV, decreasing by 13bps from 6.42% to 6.29%, product fee £0

[FO46734] 90% LTV, decreasing by 13bps from 6.42% to 6.29%, product fee £0, cashback £250

5 year fixed rate purchase

[FO46811] 60% LTV, decreasing by 10bps from 4.50% to 4.40%, product fee £995

5 year fixed rate purchase - high value

[FO46731] 60% LTV, decreasing by 10bps from 4.60% to 4.50%, product fee £995

5 year fixed rate purchase

[FO46724] 60% LTV, decreasing by 4bps from 4.67% to 4.63%, product fee £0

[FO46822] 60% LTV, decreasing by 10bps from 4.45% to 4.35%, product fee £1,495

5 year fixed rate purchase - high value

[FO46763] 75% LTV, decreasing by 8bps from 4.72% to 4.64%, product fee £995

5 year fixed rate purchase

[FO46807] 75% LTV, decreasing by 8bps from 4.57% to 4.49%, product fee £1,495

[FO46806] 75% LTV, decreasing by 8bps from 4.62% to 4.54%, product fee £995

[FO46720] 75% LTV, decreasing by 10bps from 4.77% to 4.67%, product fee £0

[FO46738] 80% LTV, decreasing by 5bps from 4.87% to 4.82%, product fee £0

[FO46803] 80% LTV, decreasing by 4bps from 4.73% to 4.69%, product fee £995

5 year fixed rate purchase - high value

[FO46836] 80% LTV, decreasing by 4bps from 4.83% to 4.79%, product fee £995

5 year fixed rate purchase

[FO46804] 80% LTV, decreasing by 4bps from 4.68% to 4.64%, product fee £1,495

5 year fixed rate purchase - high value

[FO46713] 85% LTV, decreasing by 4bps from 4.83% to 4.79%, product fee £995

5 year fixed rate purchase

[FO46838] 85% LTV, decreasing by 4bps from 4.96% to 4.92%, product fee £0

[FO46802] 85% LTV, decreasing by 4bps from 4.68% to 4.64%, product fee £1,495

[FO46801] 85% LTV, decreasing by 4bps from 4.73% to 4.69%, product fee £995

[FO46837] 90% LTV, decreasing by 12bps from 5.04% to 4.92%, product fee £995

[FO46706] 90% LTV, decreasing by 9bps from 5.17% to 5.08%, product fee £0

[FO46710] 95% LTV, decreasing by 5bps from 5.48% to 5.43%, product fee £0

5 year fixed rate remortgage

[FO46705] 60% LTV, decreasing by 6bps from 4.47% to 4.41%, product fee £995

[FO46756] 60% LTV, decreasing by 4bps from 4.67% to 4.63%, product fee £0

[FO46812] 60% LTV, decreasing by 6bps from 4.42% to 4.36%, product fee £1,495, cashback £250

[FO46769] 60% LTV, decreasing by 6bps from 4.42% to 4.36%, product fee £1,495

5 year fixed rate remortgage - high value

[FO46786] 60% LTV, decreasing by 6bps from 4.57% to 4.51%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46746] 60% LTV, decreasing by 4bps from 4.67% to 4.63%, product fee £0, cashback £250

[FO46834] 60% LTV, decreasing by 6bps from 4.47% to 4.41%, product fee £995, cashback £250

5 year fixed rate remortgage - high value

[FO46764] 75% LTV, decreasing by 15bps from 4.87% to 4.72%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46743] 75% LTV, decreasing by 15bps from 4.72% to 4.57%, product fee £1,495

[FO46791] 75% LTV, decreasing by 10bps from 4.91% to 4.81%, product fee £0, cashback £250

[FO46785] 75% LTV, decreasing by 15bps from 4.77% to 4.62%, product fee £995

[FO46718] 75% LTV, decreasing by 10bps from 4.91% to 4.81%, product fee £0

[FO46829] 75% LTV, decreasing by 15bps from 4.77% to 4.62%, product fee £995, cashback £250

[FO46830] 75% LTV, decreasing by 15bps from 4.72% to 4.57%, product fee £1,495, cashback £250

[FO46736] 80% LTV, decreasing by 12bps from 5.33% to 5.21%, product fee £0

[FO46729] 80% LTV, decreasing by 12bps from 5.33% to 5.21%, product fee £0, cashback £250

[FO46825] 80% LTV, decreasing by 17bps from 5.14% to 4.97%, product fee £1,495, cashback £250

[FO46744] 80% LTV, decreasing by 17bps from 5.14% to 4.97%, product fee £1,495

[FO46768] 80% LTV, decreasing by 17bps from 5.19% to 5.02%, product fee £995

5 year fixed rate remortgage - high value

[FO46794] 80% LTV, decreasing by 17bps from 5.29% to 5.12%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46828] 80% LTV, decreasing by 17bps from 5.19% to 5.02%, product fee £995, cashback £250

[FO46759] 85% LTV, decreasing by 9bps from 5.14% to 5.05%, product fee £1,495

5 year fixed rate remortgage - high value

[FO46795] 85% LTV, decreasing by 9bps from 5.29% to 5.20%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46826] 85% LTV, decreasing by 9bps from 5.14% to 5.05%, product fee £1,495, cashback £250

[FO46827] 85% LTV, decreasing by 9bps from 5.19% to 5.10%, product fee £995, cashback £250

[FO46805] 85% LTV, decreasing by 7bps from 5.36% to 5.29%, product fee £0, cashback £250

[FO46774] 85% LTV, decreasing by 7bps from 5.36% to 5.29%, product fee £0

[FO46758] 85% LTV, decreasing by 9bps from 5.19% to 5.10%, product fee £995

[FO46723] 90% LTV, decreasing by 10bps from 5.48% to 5.38%, product fee £0, cashback £250

[FO46728] 90% LTV, decreasing by 6bps from 5.42% to 5.36%, product fee £995, cashback £250

[FO46775] 90% LTV, decreasing by 10bps from 5.48% to 5.38%, product fee £0

[FO46751] 90% LTV, decreasing by 6bps from 5.42% to 5.36%, product fee £995

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO46788] 85% LTV, decreasing by 4bps from 5.17% to 5.13%, product fee £995, cashback £250

[FO46717] 85% LTV, decreasing by 10bps from 5.48% to 5.38%, product fee £0, cashback £250

[FO46748] 90% LTV, decreasing by 3bps from 5.46% to 5.43%, product fee £995, cashback £250

[FO46833] 90% LTV, decreasing by 10bps from 5.80% to 5.70%, product fee £0, cashback £250

5 year fixed rate purchase

[FO46755] 85% LTV, decreasing by 4bps from 4.73% to 4.69%, product fee £995, cashback £250

[FO46757] 85% LTV, decreasing by 4bps from 4.96% to 4.92%, product fee £0, cashback £250

[FO46798] 90% LTV, decreasing by 9bps from 5.17% to 5.08%, product fee £0, cashback £250

[FO46707] 90% LTV, decreasing by 12bps from 5.04% to 4.92%, product fee £995, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO46773] 60% LTV, decreasing by 4bps from 5.02% to 4.98%, product fee £995, cashback £250

[FO46708] 60% LTV, decreasing by 3bps from 5.27% to 5.24%, product fee £0

[FO46753] 75% LTV, decreasing by 13bps from 5.17% to 5.04%, product fee £995, cashback £250

[FO46770] 75% LTV, decreasing by 13bps from 5.37% to 5.24%, product fee £0

5 year fixed rate purchase

[FO46787] 60% LTV, decreasing by 10bps from 4.65% to 4.55%, product fee £995, cashback £250

[FO46747] 60% LTV, decreasing by 4bps from 4.82% to 4.78%, product fee £0

[FO46771] 75% LTV, decreasing by 8bps from 4.77% to 4.69%, product fee £995, cashback £250

[FO46725] 75% LTV, decreasing by 10bps from 4.92% to 4.82%, product fee £0

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO46721] 60% LTV, decreasing by 4bps from 5.37% to 5.33%, product fee £0, cashback £500

[FO46839] 75% LTV, decreasing by 13bps from 5.31% to 5.18%, product fee £995, cashback £500

[FO46796] 75% LTV, decreasing by 1bps from 5.42% to 5.41%, product fee £0, cashback £500

5 year fixed rate remortgage

[FO46740] 60% LTV, decreasing by 6bps from 4.62% to 4.56%, product fee £995, cashback £500

[FO46712] 60% LTV, decreasing by 4bps from 4.82% to 4.78%, product fee £0, cashback £500

[FO46765] 75% LTV, decreasing by 15bps from 4.92% to 4.77%, product fee £995, cashback £500

[FO46832] 75% LTV, decreasing by 10bps from 5.06% to 4.96%, product fee £0, cashback £500

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO46719] 60% LTV, decreasing by 4bps from 4.82% to 4.78%, product fee £995

[FO46783] 75% LTV, decreasing by 13bps from 4.97% to 4.84%, product fee £995

[FO46761] 85% LTV, decreasing by 4bps from 5.12% to 5.08%, product fee £995

2 year fixed rate remortgage

[FO46711] 75% LTV, decreasing by 13bps from 5.11% to 4.98%, product fee £995, cashback £250

[FO46742] 75% LTV, decreasing by 13bps from 5.11% to 4.98%, product fee £995

[FO46722] 85% LTV, decreasing by 8bps from 5.71% to 5.63%, product fee £995, cashback £250

[FO46778] 85% LTV, decreasing by 8bps from 5.71% to 5.63%, product fee £995

5 year fixed rate purchase

[FO46797] 60% LTV, decreasing by 10bps from 4.45% to 4.35%, product fee £995

[FO46808] 75% LTV, decreasing by 8bps from 4.57% to 4.49%, product fee £995

[FO46741] 85% LTV, decreasing by 4bps from 4.68% to 4.64%, product fee £995

5 year fixed rate remortgage

[FO46790] 60% LTV, decreasing by 6bps from 4.42% to 4.36%, product fee £995, cashback £250

[FO46733] 60% LTV, decreasing by 6bps from 4.42% to 4.36%, product fee £995

[FO46782] 75% LTV, decreasing by 15bps from 4.72% to 4.57%, product fee £995, cashback £250

[FO46739] 75% LTV, decreasing by 15bps from 4.72% to 4.57%, product fee £995

[FO46762] 85% LTV, decreasing by 9bps from 5.14% to 5.05%, product fee £995

[FO46779] 85% LTV, decreasing by 9bps from 5.14% to 5.05%, product fee £995, cashback £250

End dates

2 Year Term End Dates Moving from 30 September 2026 to 31 October 2026

5 Year Term End Dates Moving from 30 September 2029 to 31 October 2029

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 19th June 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Thursday 20th June 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Tuesday 11th June 2024

Here’s a full list of the changes with product codes in brackets:

New Business

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO46589] 60% LTV, decreasing by 5bps from 5.17% to 5.12%, product fee £995

[FO46581] 60% LTV, decreasing by 10bps from 5.38% to 5.28%, product fee £0

[FO46597] 60% LTV, decreasing by 20bps from 4.81% to 4.61%, product fee £3,499

[FO46609] 75% LTV, increasing by 8bps from 5.19% to 5.27%, product fee £995

[FO46593] 75% LTV, decreasing by 9bps from 5.47% to 5.38%, product fee £0

[FO46594] 75% LTV, decreasing by 10bps from 4.86% to 4.76%, product fee £3,499

2 year fixed rate remortgage

[FO46588] 60% LTV, decreasing by 10bps from 4.91% to 4.81%, product fee £3,499

[FO46611] 60% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £995

[FO46590] 60% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £995, cashback £250

[FO46598] 75% LTV, decreasing by 15bps from 5.29% to 5.14%, product fee £995, cashback £250

[FO46580] 75% LTV, decreasing by 15bps from 5.29% to 5.14%, product fee £995

[FO46586] 75% LTV, decreasing by 10bps from 4.93% to 4.83%, product fee £3,499

5 year fixed rate purchase

[FO46583] 60% LTV, increasing by 12bps from 4.66% to 4.78%, product fee £0

[FO46587] 60% LTV, increasing by 20bps from 4.43% to 4.63%, product fee £995

[FO46596] 75% LTV, increasing by 7bps from 4.64% to 4.71%, product fee £995

[FO46599] 75% LTV, decreasing by 4bps from 4.92% to 4.88%, product fee £0

5 year fixed rate remortgage

[FO46608] 60% LTV, decreasing by 9bps from 4.92% to 4.83%, product fee £0

[FO46595] 60% LTV, decreasing by 2bps from 4.76% to 4.74%, product fee £995

[FO46612] 60% LTV, decreasing by 2bps from 4.76% to 4.74%, product fee £995, cashback £250

[FO46603] 60% LTV, decreasing by 5bps from 4.71% to 4.66%, product fee £3,499

[FO46600] 60% LTV, decreasing by 9bps from 4.92% to 4.83%, product fee £0, cashback £250

[FO46592] 75% LTV, decreasing by 9bps from 5.02% to 4.93%, product fee £0, cashback £250

[FO46601] 75% LTV, decreasing by 9bps from 5.02% to 4.93%, product fee £0

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO46605] 65% LTV, decreasing by 5bps from 5.07% to 5.02%, product fee £995

[FO46607] 75% LTV, increasing by 8bps from 5.09% to 5.17%, product fee £995

2 year fixed rate remortgage

[FO46604] 65% LTV, increasing by 5bps from 4.97% to 5.02%, product fee £995, cashback £250

[FO46606] 65% LTV, increasing by 5bps from 4.97% to 5.02%, product fee £995

[FO46602] 75% LTV, decreasing by 15bps from 5.19% to 5.04%, product fee £995, cashback £250

[FO46584] 75% LTV, decreasing by 15bps from 5.19% to 5.04%, product fee £995

5 year fixed rate purchase

[FO46610] 65% LTV, increasing by 20bps from 4.33% to 4.53%, product fee £995

[FO46591] 75% LTV, increasing by 7bps from 4.54% to 4.61%, product fee £995

5 year fixed rate remortgage

[FO46585] 65% LTV, decreasing by 2bps from 4.66% to 4.64%, product fee £995

[FO46582] 65% LTV, decreasing by 2bps from 4.66% to 4.64%, product fee £995, cashback £250

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 10th June 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Tuesday 11th June 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Thursday 30th May 2024

Here’s a full list of the changes with product codes in brackets:

Existing Customer

Core Range

Residential

Rate Changes

5 year fixed rate switcher

[FO46559] 60% LTV, decreasing by 5bps from 4.53% to 4.48%, product fee £995

[FO46554] 60% LTV, decreasing by 13bps from 4.64% to 4.51%, product fee £495

[FO46553] 60% LTV, decreasing by 13bps from 4.79% to 4.66%, product fee £0

[FO46557] 75% LTV, decreasing by 10bps from 4.94% to 4.84%, product fee £0

[FO46556] 75% LTV, decreasing by 8bps from 4.74% to 4.66%, product fee £995

[FO46558] 80% LTV, decreasing by 1bps from 5.14% to 5.13%, product fee £995

[FO46560] 80% LTV, decreasing by 3bps from 5.34% to 5.31%, product fee £0

[FO46555] 85% LTV, decreasing by 6bps from 5.39% to 5.33%, product fee £0

[FO46551] 85% LTV, decreasing by 4bps from 5.19% to 5.15%, product fee £995

[FO46552] 90% LTV, decreasing by 1bps from 5.34% to 5.33%, product fee £995

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 29th 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Thursday 30th May 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Wednesday 15th May 2024

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO46209] 60% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £0

2 year fixed rate purchase - high value

[FO46191] 60% LTV, increasing by 5bps from 4.92% to 4.97%, product fee £995

2 year fixed rate purchase

[FO46233] 60% LTV, increasing by 5bps from 4.77% to 4.82%, product fee £1,495

[FO46220] 60% LTV, increasing by 5bps from 4.82% to 4.87%, product fee £995

[FO46193] 75% LTV, increasing by 5bps from 5.17% to 5.22%, product fee £0

[FO46235] 75% LTV, increasing by 5bps from 4.97% to 5.02%, product fee £995

2 year fixed rate purchase - high value

[FO46187] 75% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £995

2 year fixed rate purchase

[FO46236] 75% LTV, increasing by 5bps from 4.92% to 4.97%, product fee £1,495

[FO46238] 80% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £1,495

[FO46212] 80% LTV, increasing by 5bps from 5.43% to 5.48%, product fee £0

2 year fixed rate purchase - high value

[FO46184] 80% LTV, increasing by 5bps from 5.22% to 5.27%, product fee £995

2 year fixed rate purchase

[FO46237] 80% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £995

2 year fixed rate purchase - high value

[FO46185] 85% LTV, increasing by 5bps from 5.22% to 5.27%, product fee £995

2 year fixed rate purchase

[FO46215] 85% LTV, increasing by 5bps from 5.43% to 5.48%, product fee £0

[FO46245] 85% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £995

[FO46246] 85% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £1,495

[FO46195] 90% LTV, increasing by 5bps from 5.75% to 5.80%, product fee £0

[FO46192] 90% LTV, increasing by 5bps from 5.41% to 5.46%, product fee £995

[FO46204] 95% LTV, increasing by 5bps from 6.32% to 6.37%, product fee £0

2 year fixed rate remortgage

[FO46210] 60% LTV, increasing by 5bps from 5.17% to 5.22%, product fee £0, cashback £250

[FO46224] 60% LTV, increasing by 5bps from 5.17% to 5.22%, product fee £0

5 year fixed rate purchase

[FO46247] 60% LTV, increasing by 5bps from 4.45% to 4.50%, product fee £995

[FO46248] 60% LTV, increasing by 5bps from 4.40% to 4.45%, product fee £1,495

[FO46226] 60% LTV, increasing by 5bps from 4.62% to 4.67%, product fee £0

5 year fixed rate purchase - high value

[FO46186] 60% LTV, increasing by 5bps from 4.55% to 4.60%, product fee £995

[FO46190] 75% LTV, increasing by 5bps from 4.67% to 4.72%, product fee £995

5 year fixed rate purchase

[FO46201] 75% LTV, increasing by 5bps from 4.72% to 4.77%, product fee £0

[FO46239] 75% LTV, increasing by 5bps from 4.57% to 4.62%, product fee £995

[FO46240] 75% LTV, increasing by 5bps from 4.52% to 4.57%, product fee £1,495

[FO46200] 80% LTV, increasing by 5bps from 4.82% to 4.87%, product fee £0

[FO46242] 80% LTV, increasing by 5bps from 4.63% to 4.68%, product fee £1,495

[FO46241] 80% LTV, increasing by 5bps from 4.68% to 4.73%, product fee £995

5 year fixed rate purchase - high value

[FO46198] 80% LTV, increasing by 5bps from 4.78% to 4.83%, product fee £995

5 year fixed rate purchase

[FO46243] 85% LTV, increasing by 5bps from 4.68% to 4.73%, product fee £995

[FO46199] 85% LTV, increasing by 5bps from 4.91% to 4.96%, product fee £0

5 year fixed rate purchase - high value

[FO46225] 85% LTV, increasing by 5bps from 4.78% to 4.83%, product fee £995

5 year fixed rate purchase

[FO46244] 85% LTV, increasing by 5bps from 4.63% to 4.68%, product fee £1,495

[FO46231] 90% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £0

[FO46197] 90% LTV, increasing by 5bps from 4.99% to 5.04%, product fee £995

5 year fixed rate remortgage

[FO46207] 60% LTV, increasing by 5bps from 4.62% to 4.67%, product fee £0

[FO46203] 60% LTV, increasing by 5bps from 4.62% to 4.67%, product fee £0, cashback £250

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO46217] 85% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £995, cashback £250

[FO46229] 85% LTV, increasing by 5bps from 5.43% to 5.48%, product fee £0, cashback £250

[FO46189] 90% LTV, increasing by 5bps from 5.41% to 5.46%, product fee £995, cashback £250

[FO46196] 90% LTV, increasing by 5bps from 5.75% to 5.80%, product fee £0, cashback £250

5 year fixed rate purchase

[FO46206] 85% LTV, increasing by 5bps from 4.68% to 4.73%, product fee £995, cashback £250

[FO46208] 85% LTV, increasing by 5bps from 4.91% to 4.96%, product fee £0, cashback £250

[FO46232] 90% LTV, increasing by 5bps from 4.99% to 5.04%, product fee £995, cashback £250

[FO46223] 90% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £0, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO46213] 60% LTV, increasing by 5bps from 4.97% to 5.02%, product fee £995, cashback £250

[FO46228] 60% LTV, increasing by 5bps from 5.22% to 5.27%, product fee £0

[FO46205] 75% LTV, increasing by 5bps from 5.12% to 5.17%, product fee £995, cashback £250

[FO46221] 75% LTV, increasing by 5bps from 5.32% to 5.37%, product fee £0

5 year fixed rate purchase

[FO46188] 60% LTV, increasing by 5bps from 4.77% to 4.82%, product fee £0

[FO46216] 60% LTV, increasing by 5bps from 4.60% to 4.65%, product fee £995, cashback £250

[FO46227] 75% LTV, increasing by 5bps from 4.87% to 4.92%, product fee £0

[FO46222] 75% LTV, increasing by 5bps from 4.72% to 4.77%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO46219] 60% LTV, increasing by 5bps from 5.32% to 5.37%, product fee £0, cashback £500

5 year fixed rate remortgage

[FO46234] 60% LTV, increasing by 5bps from 4.77% to 4.82%, product fee £0, cashback £500

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO46230] 60% LTV, increasing by 5bps from 4.77% to 4.82%, product fee £995

[FO46214] 75% LTV, increasing by 5bps from 4.92% to 4.97%, product fee £995

[FO46211] 85% LTV, increasing by 5bps from 5.07% to 5.12%, product fee £995

5 year fixed rate purchase

[FO46218] 60% LTV, increasing by 5bps from 4.40% to 4.45%, product fee £995

[FO46194] 75% LTV, increasing by 5bps from 4.52% to 4.57%, product fee £995

[FO46202] 85% LTV, increasing by 5bps from 4.63% to 4.68%, product fee £995

End dates

2 Year Term End Dates Moving from 31 August 2026 to 30 September 2026

5 Year Term End Dates Moving from 31 August 2029 to 30 September 2029

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 14th May 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Wednesday 15th May 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website

Effective from Wednesday 8th May 2024

Here’s a full list of the changes with product codes in brackets:

Existing Customer

Core Range

Residential

Rate Changes

2 year fixed rate switcher

[FO46157] 60% LTV, increasing by 12bps from 5.15% to 5.27%, product fee £0

[FO46162] 60% LTV, increasing by 5bps from 4.99% to 5.04%, product fee £495

[FO46161] 60% LTV, increasing by 10bps from 4.79% to 4.89%, product fee £995

[FO46156] 75% LTV, increasing by 7bps from 5.25% to 5.32%, product fee £0

5 year fixed rate switcher

[FO46158] 60% LTV, increasing by 4bps from 4.49% to 4.53%, product fee £995

[FO46160] 60% LTV, increasing by 5bps from 4.59% to 4.64%, product fee £495

[FO46159] 60% LTV, increasing by 10bps from 4.69% to 4.79%, product fee £0

End dates

There are no changes to end dates

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 7th May 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Wednesday 8th May 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

Effective from Tuesday 30th April 2024

Here’s a full list of the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO46013] 60% LTV, increasing by 18bps from 4.89% to 5.07%, product fee £0

[FO45938] 75% LTV, increasing by 18bps from 4.99% to 5.17%, product fee £0

[FO46036] 80% LTV, increasing by 19bps from 5.24% to 5.43%, product fee £0

[FO46059] 85% LTV, increasing by 19bps from 5.24% to 5.43%, product fee £0

[FO45942] 90% LTV, increasing by 21bps from 5.54% to 5.75%, product fee £0

[FO45937] 90% LTV, increasing by 18bps from 5.23% to 5.41%, product fee £995

[FO46019] 95% LTV, increasing by 18bps from 6.14% to 6.32%, product fee £0

2 year fixed rate remortgage

[FO45975] 60% LTV, increasing by 14bps from 4.73% to 4.87%, product fee £995

[FO46015] 60% LTV, increasing by 18bps from 4.99% to 5.17%, product fee £0, cashback £250

[FO45969] 60% LTV, increasing by 18bps from 4.99% to 5.17%, product fee £0

[FO46017] 60% LTV, increasing by 14bps from 4.68% to 4.82%, product fee £1,495

[FO46009] 75% LTV, increasing by 22bps from 4.89% to 5.11%, product fee £1,495

[FO45988] 75% LTV, increasing by 18bps from 5.09% to 5.27%, product fee £0

[FO46074] 75% LTV, increasing by 22bps from 4.94% to 5.16%, product fee £995

[FO45949] 75% LTV, increasing by 18bps from 5.09% to 5.27%, product fee £0, cashback £250

[FO46054] 80% LTV, increasing by 19bps from 5.87% to 6.06%, product fee £0, cashback £250

[FO46063] 80% LTV, increasing by 20bps from 5.54% to 5.74%, product fee £995

[FO46023] 80% LTV, increasing by 20bps from 5.49% to 5.69%, product fee £1,495

[FO46020] 80% LTV, increasing by 19bps from 5.87% to 6.06%, product fee £0

[FO46066] 85% LTV, increasing by 18bps from 5.97% to 6.15%, product fee £0

[FO46056] 85% LTV, increasing by 18bps from 5.97% to 6.15%, product fee £0, cashback £250

[FO46021] 85% LTV, increasing by 18bps from 5.58% to 5.76%, product fee £995

[FO45994] 85% LTV, increasing by 18bps from 5.53% to 5.71%, product fee £1,495

[FO45982] 90% LTV, increasing by 18bps from 6.24% to 6.42%, product fee £0, cashback £250

[FO46001] 90% LTV, increasing by 18bps from 6.24% to 6.42%, product fee £0

[FO46025] 90% LTV, increasing by 18bps from 5.90% to 6.08%, product fee £995

[FO46031] 90% LTV, increasing by 18bps from 5.90% to 6.08%, product fee £995, cashback £250

5 year fixed rate purchase

[FO45998] 60% LTV, increasing by 16bps from 4.46% to 4.62%, product fee £0

[FO45971] 75% LTV, increasing by 14bps from 4.58% to 4.72%, product fee £0

[FO45974] 80% LTV, increasing by 16bps from 4.66% to 4.82%, product fee £0

[FO45964] 85% LTV, increasing by 18bps from 4.73% to 4.91%, product fee £0

[FO45952] 90% LTV, increasing by 15bps from 4.84% to 4.99%, product fee £995

[FO46082] 90% LTV, increasing by 18bps from 4.94% to 5.12%, product fee £0

5 year fixed rate remortgage

[FO46024] 60% LTV, increasing by 14bps from 4.28% to 4.42%, product fee £1,495

[FO45997] 60% LTV, increasing by 14bps from 4.33% to 4.47%, product fee £995

[FO46040] 60% LTV, increasing by 14bps from 4.48% to 4.62%, product fee £0

[FO46003] 60% LTV, increasing by 14bps from 4.48% to 4.62%, product fee £0, cashback £250

[FO45968] 75% LTV, increasing by 18bps from 4.73% to 4.91%, product fee £0, cashback £250

[FO45991] 75% LTV, increasing by 21bps from 4.51% to 4.72%, product fee £1,495

[FO45954] 75% LTV, increasing by 21bps from 4.56% to 4.77%, product fee £995

[FO46077] 75% LTV, increasing by 18bps from 4.73% to 4.91%, product fee £0

[FO45993] 80% LTV, increasing by 18bps from 5.15% to 5.33%, product fee £0, cashback £250

[FO46033] 80% LTV, increasing by 20bps from 4.99% to 5.19%, product fee £995

[FO46012] 80% LTV, increasing by 20bps from 4.94% to 5.14%, product fee £1,495

[FO46038] 80% LTV, increasing by 18bps from 5.15% to 5.33%, product fee £0

[FO46085] 85% LTV, increasing by 18bps from 5.18% to 5.36%, product fee £0, cashback £250

[FO46041] 85% LTV, increasing by 18bps from 5.18% to 5.36%, product fee £0

[FO46050] 85% LTV, increasing by 20bps from 4.94% to 5.14%, product fee £1,495

[FO46048] 85% LTV, increasing by 20bps from 4.99% to 5.19%, product fee £995

[FO46002] 90% LTV, increasing by 18bps from 5.24% to 5.42%, product fee £995

[FO46078] 90% LTV, increasing by 18bps from 5.24% to 5.42%, product fee £995, cashback £250

[FO46087] 90% LTV, increasing by 18bps from 5.30% to 5.48%, product fee £0, cashback £250

[FO46043] 90% LTV, increasing by 18bps from 5.30% to 5.48%, product fee £0

New Products

2 year fixed rate purchase

[FO46095] 60% LTV, 4.82%, product fee £995

[FO46094] 60% LTV, 4.77%, product fee £1,495

2 year fixed rate purchase - high value

[FO46126] 60% LTV, 4.92%, product fee £995

[FO46127] 75% LTV, 5.07%, product fee £995

2 year fixed rate purchase

[FO46097] 75% LTV, 4.92%, product fee £1,495

[FO46096] 75% LTV, 4.97%, product fee £995

[FO46099] 80% LTV, 5.07%, product fee £1,495

2 year fixed rate purchase - high value

[FO46128] 80% LTV, 5.22%, product fee £995

2 year fixed rate purchase

[FO46098] 80% LTV, 5.12%, product fee £995

[FO46100] 85% LTV, 5.12%, product fee £995

[FO46101] 85% LTV, 5.07%, product fee £1,495

2 year fixed rate purchase - high value

[FO46129] 85% LTV, 5.22%, product fee £995

2 year fixed rate remortgage

[FO46110] 60% LTV, 4.87%, product fee £995, cashback £250

2 year fixed rate remortgage - high value

[FO46134] 60% LTV, 4.97%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46111] 60% LTV, 4.82%, product fee £1,495, cashback £250

2 year fixed rate remortgage - high value

[FO46136] 75% LTV, 5.26%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46113] 75% LTV, 5.11%, product fee £1,495, cashback £250

[FO46112] 75% LTV, 5.16%, product fee £995, cashback £250

2 year fixed rate remortgage - high value

[FO46135] 80% LTV, 5.84%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46114] 80% LTV, 5.74%, product fee £995, cashback £250

[FO46115] 80% LTV, 5.69%, product fee £1,495, cashback £250

[FO46116] 85% LTV, 5.76%, product fee £995, cashback £250

2 year fixed rate remortgage - high value

[FO46137] 85% LTV, 5.86%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO46117] 85% LTV, 5.71%, product fee £1,495, cashback £250

2 year tracker rate purchase

[TO6939] 60% LTV, 5.79%, product fee £995

2 year tracker rate purchase - high value

[TO6947] 60% LTV, 5.89%, product fee £995

[TO6948] 75% LTV, 6.04%, product fee £995

2 year tracker rate purchase

[TO6940] 75% LTV, 5.94%, product fee £995

[TO6941] 80% LTV, 5.94%, product fee £995

2 year tracker rate purchase - high value

[TO6949] 80% LTV, 6.04%, product fee £995

2 year tracker rate purchase

[TO6942] 85% LTV, 5.99%, product fee £995

2 year tracker rate purchase - high value

[TO6950] 85% LTV, 6.09%, product fee £995

2 year tracker rate remortgage

[TO6943] 60% LTV, 5.79%, product fee £995, cashback £250

2 year tracker rate remortgage - high value

[TO6951] 60% LTV, 5.89%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO6944] 75% LTV, 5.94%, product fee £995, cashback £250

2 year tracker rate remortgage - high value

[TO6952] 75% LTV, 6.04%, product fee £995, cashback £250

[TO6953] 80% LTV, 6.04%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO6945] 80% LTV, 5.94%, product fee £995, cashback £250

[TO6946] 85% LTV, 5.99%, product fee £995, cashback £250

2 year tracker rate remortgage - high value

[TO6954] 85% LTV, 6.09%, product fee £995, cashback £250

5 year fixed rate purchase - high value

[FO46130] 60% LTV, 4.55%, product fee £995

5 year fixed rate purchase

[FO46102] 60% LTV, 4.45%, product fee £995

[FO46103] 60% LTV, 4.40%, product fee £1,495

5 year fixed rate purchase - high value

[FO46131] 75% LTV, 4.67%, product fee £995

5 year fixed rate purchase

[FO46104] 75% LTV, 4.57%, product fee £995

[FO46105] 75% LTV, 4.52%, product fee £1,495

5 year fixed rate purchase - high value

[FO46133] 80% LTV, 4.78%, product fee £995

5 year fixed rate purchase

[FO46107] 80% LTV, 4.63%, product fee £1,495

[FO46106] 80% LTV, 4.68%, product fee £995

[FO46109] 85% LTV, 4.63%, product fee £1,495

5 year fixed rate purchase - high value

[FO46132] 85% LTV, 4.78%, product fee £995

5 year fixed rate purchase

[FO46108] 85% LTV, 4.68%, product fee £995

5 year fixed rate remortgage

[FO46118] 60% LTV, 4.47%, product fee £995, cashback £250

[FO46119] 60% LTV, 4.42%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO46138] 60% LTV, 4.57%, product fee £995, cashback £250

[FO46139] 75% LTV, 4.87%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46120] 75% LTV, 4.77%, product fee £995, cashback £250

[FO46121] 75% LTV, 4.72%, product fee £1,495, cashback £250

[FO46123] 80% LTV, 5.19%, product fee £995, cashback £250

[FO46124] 80% LTV, 5.14%, product fee £1,495, cashback £250

5 year fixed rate remortgage - high value

[FO46140] 80% LTV, 5.29%, product fee £995, cashback £250

[FO46141] 85% LTV, 5.29%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO46122] 85% LTV, 5.19%, product fee £995, cashback £250

[FO46125] 85% LTV, 5.14%, product fee £1,495, cashback £250

Withdrawn

2 year fixed rate purchase

[FO45698] 60% LTV, 4.69%, product fee £995

[FO45731] 60% LTV, 4.64%, product fee £1,495

[FO45669] 75% LTV, 4.74%, product fee £1,495

[FO45660] 75% LTV, 4.79%, product fee £995

[FO45690] 80% LTV, 4.94%, product fee £995

[FO45670] 80% LTV, 4.89%, product fee £1,495

[FO45778] 85% LTV, 4.89%, product fee £1,495

[FO45755] 85% LTV, 4.94%, product fee £995

2 year fixed rate remortgage

[FO45725] 60% LTV, 4.68%, product fee £1,495, cashback £250

[FO45693] 60% LTV, 4.73%, product fee £995, cashback £250

[FO45777] 75% LTV, 4.94%, product fee £995, cashback £250

[FO45711] 75% LTV, 4.89%, product fee £1,495, cashback £250

[FO45784] 80% LTV, 5.54%, product fee £995, cashback £250

[FO45764] 80% LTV, 5.49%, product fee £1,495, cashback £250

[FO45699] 85% LTV, 5.53%, product fee £1,495, cashback £250

[FO45768] 85% LTV, 5.58%, product fee £995, cashback £250

2 year tracker rate purchase

[TO6923] 60% LTV, 5.79%, product fee £995

[TO6922] 75% LTV, 5.94%, product fee £995

[TO6920] 80% LTV, 5.94%, product fee £995

[TO6925] 85% LTV, 5.99%, product fee £995

2 year tracker rate remortgage

[TO6907] 60% LTV, 5.79%, product fee £995, cashback £250

[TO6916] 75% LTV, 5.94%, product fee £995, cashback £250

[TO6904] 80% LTV, 5.94%, product fee £995, cashback £250

[TO6901] 85% LTV, 5.99%, product fee £995, cashback £250

5 year fixed rate purchase

[FO45721] 60% LTV, 4.19%, product fee £1,495

[FO45707] 60% LTV, 4.24%, product fee £995

[FO45659] 75% LTV, 4.42%, product fee £995

[FO45728] 75% LTV, 4.37%, product fee £1,495

[FO45600] 80% LTV, 4.47%, product fee £1,495

[FO45680] 80% LTV, 4.52%, product fee £995

[FO45773] 85% LTV, 4.48%, product fee £1,495

[FO45682] 85% LTV, 4.53%, product fee £995

5 year fixed rate remortgage

[FO45638] 60% LTV, 4.33%, product fee £995, cashback £250

[FO45727] 60% LTV, 4.28%, product fee £1,495, cashback £250

[FO45630] 75% LTV, 4.56%, product fee £995, cashback £250

[FO45715] 75% LTV, 4.51%, product fee £1,495, cashback £250

[FO45696] 80% LTV, 4.94%, product fee £1,495, cashback £250

[FO45770] 80% LTV, 4.99%, product fee £995, cashback £250

[FO45749] 85% LTV, 4.99%, product fee £995, cashback £250

[FO45710] 85% LTV, 4.94%, product fee £1,495, cashback £250

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO46070] 85% LTV, increasing by 18bps from 4.94% to 5.12%, product fee £995, cashback £250

[FO46068] 85% LTV, increasing by 19bps from 5.24% to 5.43%, product fee £0, cashback £250

[FO45950] 90% LTV, increasing by 21bps from 5.54% to 5.75%, product fee £0, cashback £250

[FO45931] 90% LTV, increasing by 18bps from 5.23% to 5.41%, product fee £995, cashback £250

5 year fixed rate purchase

[FO46045] 85% LTV, increasing by 18bps from 4.73% to 4.91%, product fee £0, cashback £250

[FO46039] 85% LTV, increasing by 15bps from 4.53% to 4.68%, product fee £995, cashback £250

[FO45965] 90% LTV, increasing by 18bps from 4.94% to 5.12%, product fee £0, cashback £250

[FO46083] 90% LTV, increasing by 15bps from 4.84% to 4.99%, product fee £995, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO46065] 60% LTV, increasing by 18bps from 5.04% to 5.22%, product fee £0

[FO46037] 60% LTV, increasing by 13bps from 4.84% to 4.97%, product fee £995, cashback £250

[FO46010] 75% LTV, increasing by 18bps from 4.94% to 5.12%, product fee £995, cashback £250

[FO45945] 75% LTV, increasing by 18bps from 5.14% to 5.32%, product fee £0

5 year fixed rate purchase

[FO46069] 60% LTV, increasing by 21bps from 4.39% to 4.60%, product fee £995, cashback £250

[FO45929] 60% LTV, increasing by 16bps from 4.61% to 4.77%, product fee £0

[FO45946] 75% LTV, increasing by 15bps from 4.57% to 4.72%, product fee £995, cashback £250

[FO46062] 75% LTV, increasing by 14bps from 4.73% to 4.87%, product fee £0

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate remortgage

[FO46073] 60% LTV, increasing by 14bps from 4.88% to 5.02%, product fee £995, cashback £500

[FO46084] 60% LTV, increasing by 18bps from 5.14% to 5.32%, product fee £0, cashback £500

[FO46075] 75% LTV, increasing by 18bps from 5.24% to 5.42%, product fee £0, cashback £500

[FO45962] 75% LTV, increasing by 22bps from 5.09% to 5.31%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO45928] 60% LTV, increasing by 14bps from 4.48% to 4.62%, product fee £995, cashback £500

[FO46090] 60% LTV, increasing by 14bps from 4.63% to 4.77%, product fee £0, cashback £500

[FO46030] 75% LTV, increasing by 21bps from 4.71% to 4.92%, product fee £995, cashback £500

[FO45943] 75% LTV, increasing by 18bps from 4.88% to 5.06%, product fee £0, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO45932] 60% LTV, increasing by 18bps from 4.99% to 5.17%, product fee £995

[FO45980] 60% LTV, increasing by 22bps from 4.59% to 4.81%, product fee £3,499

[FO46092] 60% LTV, increasing by 15bps from 5.23% to 5.38%, product fee £0

[FO46052] 75% LTV, increasing by 22bps from 4.64% to 4.86%, product fee £3,499

[FO45996] 75% LTV, increasing by 18bps from 5.29% to 5.47%, product fee £0

[FO45967] 75% LTV, increasing by 16bps from 5.03% to 5.19%, product fee £995

2 year fixed rate remortgage

[FO45955] 60% LTV, increasing by 18bps from 4.89% to 5.07%, product fee £995

[FO45992] 60% LTV, increasing by 22bps from 4.69% to 4.91%, product fee £3,499

[FO46093] 60% LTV, increasing by 13bps from 5.24% to 5.37%, product fee £0, cashback £250

[FO46022] 60% LTV, increasing by 18bps from 4.89% to 5.07%, product fee £995, cashback £250

[FO46091] 60% LTV, increasing by 13bps from 5.24% to 5.37%, product fee £0

[FO45966] 75% LTV, increasing by 13bps from 5.34% to 5.47%, product fee £0

[FO45959] 75% LTV, increasing by 22bps from 4.71% to 4.93%, product fee £3,499

[FO45956] 75% LTV, increasing by 13bps from 5.34% to 5.47%, product fee £0, cashback £250

5 year fixed rate purchase

[FO45983] 60% LTV, increasing by 22bps from 4.21% to 4.43%, product fee £995

[FO45972] 60% LTV, increasing by 17bps from 4.49% to 4.66%, product fee £0

[FO45979] 75% LTV, increasing by 14bps from 4.50% to 4.64%, product fee £995

[FO45947] 75% LTV, increasing by 18bps from 4.74% to 4.92%, product fee £0

5 year fixed rate remortgage

[FO45934] 60% LTV, increasing by 22bps from 4.49% to 4.71%, product fee £3,499

[FO46042] 60% LTV, increasing by 17bps from 4.59% to 4.76%, product fee £995

[FO45963] 60% LTV, increasing by 17bps from 4.59% to 4.76%, product fee £995, cashback £250

[FO45953] 60% LTV, increasing by 18bps from 4.74% to 4.92%, product fee £0

[FO45948] 60% LTV, increasing by 18bps from 4.74% to 4.92%, product fee £0, cashback £250

[FO45978] 75% LTV, increasing by 18bps from 4.59% to 4.77%, product fee £995

[FO45958] 75% LTV, increasing by 18bps from 4.59% to 4.77%, product fee £995, cashback £250

[FO45930] 75% LTV, increasing by 18bps from 4.84% to 5.02%, product fee £0

[FO46006] 75% LTV, increasing by 18bps from 4.84% to 5.02%, product fee £0, cashback £250

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO46081] 60% LTV, increasing by 13bps from 4.64% to 4.77%, product fee £995

[FO46067] 75% LTV, increasing by 18bps from 4.74% to 4.92%, product fee £995

[FO46047] 85% LTV, increasing by 18bps from 4.89% to 5.07%, product fee £995

2 year fixed rate remortgage

[FO46061] 60% LTV, increasing by 14bps from 4.68% to 4.82%, product fee £995, cashback £250

[FO46026] 60% LTV, increasing by 14bps from 4.68% to 4.82%, product fee £995

[FO46027] 75% LTV, increasing by 22bps from 4.89% to 5.11%, product fee £995

[FO46080] 75% LTV, increasing by 22bps from 4.89% to 5.11%, product fee £995, cashback £250

[FO46060] 85% LTV, increasing by 18bps from 5.53% to 5.71%, product fee £995

[FO46086] 85% LTV, increasing by 18bps from 5.53% to 5.71%, product fee £995, cashback £250

5 year fixed rate purchase

[FO46076] 60% LTV, increasing by 21bps from 4.19% to 4.40%, product fee £995

[FO45941] 75% LTV, increasing by 15bps from 4.37% to 4.52%, product fee £995

[FO45985] 85% LTV, increasing by 15bps from 4.48% to 4.63%, product fee £995

5 year fixed rate remortgage

[FO46014] 60% LTV, increasing by 14bps from 4.28% to 4.42%, product fee £995

[FO46071] 60% LTV, increasing by 14bps from 4.28% to 4.42%, product fee £995, cashback £250

[FO46088] 75% LTV, increasing by 21bps from 4.51% to 4.72%, product fee £995

[FO46029] 75% LTV, increasing by 21bps from 4.51% to 4.72%, product fee £995, cashback £250

[FO45933] 85% LTV, increasing by 20bps from 4.94% to 5.14%, product fee £995

[FO46028] 85% LTV, increasing by 20bps from 4.94% to 5.14%, product fee £995, cashback £250

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO45960] 65% LTV, increasing by 13bps from 4.94% to 5.07%, product fee £995

[FO45951] 75% LTV, increasing by 11bps from 4.98% to 5.09%, product fee £995

2 year fixed rate remortgage

[FO45961] 65% LTV, increasing by 13bps from 4.84% to 4.97%, product fee £995

[FO45940] 65% LTV, increasing by 13bps from 4.84% to 4.97%, product fee £995, cashback £250

[FO45935] 75% LTV, decreasing by 5bps from 5.24% to 5.19%, product fee £995, cashback £250

[FO45973] 75% LTV, decreasing by 5bps from 5.24% to 5.19%, product fee £995

5 year fixed rate purchase

[FO45944] 65% LTV, increasing by 17bps from 4.16% to 4.33%, product fee £995

[FO46049] 75% LTV, increasing by 9bps from 4.45% to 4.54%, product fee £995

5 year fixed rate remortgage

[FO45970] 65% LTV, increasing by 12bps from 4.54% to 4.66%, product fee £995

[FO46079] 65% LTV, increasing by 12bps from 4.54% to 4.66%, product fee £995, cashback £250

[FO45939] 75% LTV, increasing by 13bps from 4.54% to 4.67%, product fee £995

[FO45989] 75% LTV, increasing by 13bps from 4.54% to 4.67%, product fee £995, cashback £250

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 29th April 2024.

If you’re unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must call the Business Development Team on 0345 026 0008 (Relay UK: 18001 0345 026 0008) by midday on Tuesday 30th April 2024. Requests received after this time will not be considered.

The detail we will require is as follows:

·         Your details - name, company and postcode

·         Customer name

·         Product applying for

·         Amount of mortgage loan

·         Reason - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided

 Once you have spoken to the team, please submit the case through our intermediary website.

 For a complete listing of all our mortgage products, please visit the product page on our website.

With immediate effect we’ve increased the maximum loan to value (LTV) for new build properties.

Our new LTVs are as follows:

• New Build residential houses: 90% LTV, up from 85%.
• New Build residential flats: 85% LTV, up from 75%.

Please note, other policy limits will still apply, for example Interest Only.

These changes support our commitment to the new build market and enable us to better meet the evolving needs of your customers.

You can find more details including new build process and policy on our new build hub.

Process improvement to exposure limits

Alongside the LTV increases, we’ve also implemented a process improvement in relation to exposure limits. Our team can now check this for you at first point of contact, which enables you to get a quicker response and confirmation for your new build customers. In some instances a referral may still need to be made to L&G specialists.

For more information on the new build changes or policy talk to our Business Development Team on 0345 026 0008 (Relay UK 18001 0345 026 0008). Calls may be recorded for training and monitoring purposes.

We look forward to talking to you soon. 

Today we’ve implemented a range of changes to our Buy to Let mortgage (BTL) proposition to make things simpler and easier for your customers.

New Calculator

We’ve introduced a new streamlined BTL Indication calculator, which now contains just 11 key questions for the majority of our customers, to ensure you’re provided with a quick and accurate decision for your BTL customers.

Simplified Portfolio Landlord Assessment

Portfolio Landlords assessments will be based on LTV and rental income on both the subject property and background property portfolio, with application to meet Policy and PRA requirements. A full Income and Expenditure affordability assessment is no longer required for portfolio Landlords.

• Mortgaged property to meet existing LTV and ICR criteria driven by tax band.
• Our new assessment will check the combined LTV of the background property portfolio is 75% LTV or less and rental income meets 145% ICR (no exceptions will be permitted).
• We’ve implemented a new rule where portfolio landlords must have a minimum two years letting experience. This new qualifying question appears for portfolio landlords within the Decision in Principle (DiP)/application and is also within the results of our new calculator.

We’ve reduced the packaging requirements for portfolio landlords and our underwriters will not need to validate personal income or commitments. Going forward, you will be responsible for validating your customers income, and retaining the documentation, which is the same process as our small landlord journey.   These documents may be requested as part of our annual audit.

There will still be a requirement for portfolio landlord applications to send one month bank statement for their background rental properties.

Buy to Let Dynamic Product Stress Rates

We’re introducing dynamic product stress rates into our BTL applications. This means that the stress rate, and the max loan amount will be driven by the interest rate chosen and the term of that rate. No max loan amount/stress rate is locked in until an application has been submitted. The lower the stress rate (which is driven by product rate and term), the higher the max lend will be.

Please note that due to this change, the DiP is now only valid for as long as the product rate remains on sale. If you choose a new rate for your customer’s application (or post submission), the maximum lend may change.

Transitional arrangements

Any DiP or Full Mortgage Application submitted before 10^th June will have the previous values applied, as they were at the original submission. The new values will be applied on DiPs and Full Mortgage Applications from 10^th June.

We’ve implemented improvements to our affordability calculations. This includes a reduction in our residential 5 year stress rate, as well a reduction in National Insurance rates.

These improvements could increase the amount we’re able to lend to your mortgage customers. For an indication on how much we could lend, please visit our updated residential affordability calculator, or log in to do a Decision in Principle (DIP) or place business.

Transitional Arrangements

Any (DIP) or Full Mortgage Application submitted before 18^th April will have the previous values applied, as they were at the original submission. The new values will be applied on DIPs and Full Mortgage Applications from 18^th April.

We’ve updated our Buy to Let stress rates as follows:

• 2 year fixed: decrease from 7.81% to 7.33%.
• 5 year fixed: decrease from 6.68% to 5.95%
• Like for Like remortgages: decrease from 7.15% to 6.27%
  

Our Buy to Let Hub has been updated to reflect this.

Transitional Arrangements

Any Decision in Principle (DIP) or Full Mortgage Application submitted before 25^th January will have the previous values applied, as they were at the original submission. For example, a DIP completed before 25^th January for a 2 year fixed will have the 7.81% stress rate, with the new stress rate of 7.33% being used from 25^th January onwards.

The NatWest intermediary website has had an update

We know it’s helpful getting the information you need online whenever you need it. 

Today we’ve updated our intermediary website to make it easier for you to access the information you need from NatWest anytime it suits you. 

Key benefits of the new intermediary website:

• Clear and fresh new look
• Easier to find information
• Integrated with internal systems

What’s next?

We’re continuing to improve the intermediary website experience so that you can get the information you need online. We’ll keep you posted on further updates as we make them over the coming months. 

How can I find out more?

Our intermediary website is just one way you can find the information and support you need to do business with NatWest. 

For new business enquiries speak to our Business Development Advisers (BDAs) on the phone or you can chat via the website with them on LiveTalk:

0345 026 0008 (Relay UK: 18001 0345 026 0008)

Monday – Friday 9am – 5pm

For any existing case enquires use our dedicated Broker Line – who have access to all your case information:

0345 600 0205 (Relay UK: 18001 0345 600 0205)

Monday – Friday 9am – 5pm

We’d like to provide you with clearer guidance when keying income for your customer’s small landlords and like for like remortgage applications.

This guidance includes keying requirements for earned and rental income from background Buy to Let/Consent to Let properties.

To ensure the right customer outcome, please note:

·         Your customer’s income should only include personal (earned) income and should not include rent from background properties.

·         Rental income from the subject property should not be included as a form of income as this will be captured separately.

·         All background property information including rental income is captured elsewhere in the journey.

·         For employed customers who are unable to verify their income in line with our packaging requirements, income should be keyed as £0 (This allows the application to be considered based on a maximum lend calculated by ICR and expected rental income alone, subject to credit score).

If you would like more detail on our Buy to Let policies, please visit our Buy to Let hub.

From Monday 15th May, we’re changing the way we work.  Our Business Development team of helpful experts will be bigger and better than before because we value you and want to support you even more.

Pre-Application – call our Business Development Advisers (BDAs)

Our telephone Business Development team is bigger than before because we value our intermediary relationships.  With more BDAs to talk to, you’ll get the answers you need quickly before you submit a mortgage application to us. 

In the know

We know the ins and outs of NatWest mortgages so if you want to chat through a case, whether it’s complex income, a self-employed case, residential interest only or something else, our expert team can give you a quick response and help you feel reassured with a complete answer. 

Your choice – call or LiveTALK

We love to talk.  Our number is 0345 026 0008 (Relay UK 18001 0345 026 0008) and we’re available Monday – Friday 9am – 5pm if you want to talk through your customers mortgage application.

Or, if you’ve got a quick policy query simply send us your question on LiveTALK.  It’s our Business Development Advisers who respond so you’ll be able to rely on an answer from a real person that understands you and what you’re talking about.   

Application submission – quick answers when submitting business to us

When you submit a case to us, you’ll want to know we’ve got everything we need upfront, so your case goes through as smoothly as possible.  Our latest submission guide will give you general guidance about what we ask for with your mortgage application.

Please call us on 0345 026 0008 (Relay UK 18001 0345 026 0008) if you’ve got a query whilst putting your case through. 

Post submission – getting an up-to-date status

We understand you want to know where your case is up to once you’ve submitted a mortgage application to us.

Case Tracking

We improved our case tracking system recently so it’s even easier and simpler to use. Do take a look at this explainer webpage if you need to know more and check out the system first before you call us about where we’re up to with your customers mortgage application.   

Call our Broker Line if you need to know more

Our Broker Line is for any intermediary queries about the progress of your mortgage applications with us.  Our Broker Line is available Monday – Friday 9am – 5pm and our team will be able to help you.  Our number is 0345 600 0205 (Relay UK 18001 0345 600 0205).

This should make it even easier for you to get the updates and reassurance you need on your customers mortgage applications. Rest assured we’re going the extra mile to help you to help them.  

We’ve changed - to support you and your customers even more

Our qualified, helpful intermediary telephone teams are here at every stage of your customers mortgage application. 

So, whether customers have simple or complex mortgage needs, are buying for the first time, are landlords, or looking to remortgage, we’re here to support you support them. 

As we reach the end of August there continues to be lots happening at NatWest, across the mortgage market and in the industry.

To help you keep up to speed with the changes we’ve made recently, we’ve compiled our main news items from August.

Our latest product range 

We’ve made changes to our product offering this month. Including reductions of up to 45bps for new business and 14bps for existing customer products. For full details, please visit our latest news page.

Whether your customers are buying for the first time, are landlords, or looking to remortgage, we have solutions which could support you with their home and property ambitions.

Buy to Let stress rates

We’ve updated our Buy to Let stress rates as follows:

• 2 year fixed: decrease from 8.6% to 8.15%.
• 5 year fixed: decrease from 7% to 6.78%
• Like for Like remortgages: 8.21% to 7.55%

Our Buy to Let Hub has been updated to reflect this.

Government share codes

Government share codes are now acceptable alongside a passport for non-UK nationals.

If your customers can present this document along with their foreign passport, it will remove the need to provide a physical Visa as part of their packaging.

Our A-Z Lending Criteria page and Income and Packaging guide have been updated to reflect this change.

With effect from 28th July, we’re making enhancements to our valuation journey to support customers looking to borrow against properties in England with cladding.

Cladding

We’ll now utilise new data from the Government confirming if a building in England is being remediated through either Government or Developer Remediation schemes.

This data will be passed to the valuer. The data relates to buildings of 11m or greater in height. If a building is listed on the Government remediation portal, or we already hold an existing validated EWS1 form, this will enable the valuer to proceed with a valuation

Where the building is not listed or we don’t already hold an EWS1 form, the valuer will request an EWS1 form as per current process.

If an EWS1 form is requested and not available, we can consider alternative evidence of remediation on a case by case basis.

This new process will apply to all application types.

For further information about this please refer to our A-Z Criteria. 

Supporting your customers once they have their mortgage with Natwest

If your customer is concerned about their finances, missing a mortgage payment or paying off their mortgage, the sooner they get in touch, the sooner we may be able to help. They can also visit our cost of living webpage, where there are practical saving tips, including ideas on reducing household bills. They may also want to consider contacting a free debt advice organisation.

Let us know what you think of this latest monthly update, you can contact us via LiveTALK, or via your BDM.

Here’s a summary of the last month’s updates from NatWest. It’s been very busy month across the whole of the market and there’s been a lot of changes at NatWest too so here’s an update of what’s been going on and some updates on some of your frequently asked questions. 

Our latest rates - always online

You’ll always find our latest rates on our website, even if things are changing frequently.  Our latest rates are effective from today, for full details please click here.

June updates you need to know

We updated our Buy to Let stress rates:

·         2 year fixed: Increased stress rate from 6.7% to 8.10%

·         5 year fixed: Increased stress rate from 6% to 6.89%

·         Like for like remortgage: Increased stress rate from 6% to 7.54%

Product Transfers 6 months before deal ends

For NatWest existing customers Product Transfers are available 6 months before the deal ends.  This means that customers whose deal ends in December can now secure a new rate. For more information about eligibility, process and rates have a look at our website. New and existing customers can now make overpayments of up to 20% with no Early Repayment Charge.

Porting – what you need to know

You can find out more about porting in our helpful guide here.

If you’ve got a straightforward policy query, simply send us your question on LiveTALK which will be answered by a real person. 

If you want to talk through your customers mortgage application our helpful expert Business Development Advisers are on hand to answer your queries.  Our number is 0345 026 0008 (Relay 18001 0345 026 0008) and we’re available Monday – Friday 9am – 5pm.

Mortgage on their mind?

If your customers are struggling with their mortgage please ask them to call us or have a look at the information and support available for NatWest customers here.

We’re clear about our service levels

We’ve changed the way we work to support you better. You’ll always be able to see our service levels on our website, which are updated daily.

We wanted update you on some of the latest things we’re doing to support our climate and help the green transition in housing. 

Greener Homes Attitude Tracker

We published the findings from the latest Greener Homes Attitude Tracker this week. The tracker is based on responses from 4,500 people across the UK in Q1.

Some key findings from the Q1 tracker include:

• Half of UK households are struggling with higher gas and electricity prices – resulting in a drop in the number planning to make sustainable changes in the home
• The cost of having the work done was by far the greatest barrier to sustainable home improvements, cited by 71% of homeowners not planning improvements in the next 10 years

To read the tracker in full, please click here.

Greener Homes Retrofit Project

NatWest is currently helping to fund a series of greener home retrofits for 9 customers across the UK, with co-ordination help from Quidos, taking customers on the journey from consideration of these improvements to making them a reality. Through the Sustainable Homes and Buildings Coalition, NatWest is working with Worcester Bosch, and British Gas to assess the EPC rating of their properties and install appropriate solutions to improve energy efficiency and cut emissions such as insulation upgrades, heat pumps and solar panels.

Lloyd Cochrane, Head of Mortgages at NatWest said: “Our retrofit project and quarterly tracker have informed our support for customers. These insights have also formed part of our work across industry and our engagement with Government to propose policies that can work positively to support consumers improve the energy efficiency of their homes.”

Home Energy Plan

To help customers reduce their energy usage while making their home greener, we created a free tool that gives tips on how make homes more energy efficient. This could help to reduce energy bills and a customer’s home carbon emissions. You don’t have to be a NatWest customer to benefit from it. For more information, please click here.

NatWest latest climate commitments

“I want to send a very clear message at the beginning of 2023 that we are not letting up on tackling climate change.” Alison Rose DBE, NatWest Group CEO.

Giving a speech at a climate event held at our Bishopsgate HQ in London earlier this year, our CEO Alison Rose DBE set out proposed actions we plan to take to reduce the climate impact of our financing activities while also supporting our customers to achieve their ambitions to transition to the net zero economy including a new announcement that we aim to provide £10bn lending to EPC A or B residential properties by the end of 2025.  You can read more on this here.

Green mortgages

NatWest offers a range of green mortgage products for EPC A or B rated properties, for both residential and Buy to Let mortgages. For more information, please visit our products page.

We hope these updates, insight and tools from NatWest can be helpful for you and your customers when talking about more energy efficient homes.