Changes to our product range

Summary

Effective 22^nd April, we’re making rate reductions to our New Business, Existing Customer and ADBO product ranges. Full details of the changes are as follows:

New Business Rate Changes:

We're making reductions of up to 50bps across various product types, including purchase, remortgage, first-time buyer, shared equity, Buy to Let and Green products.

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 21st April.

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.

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 22nd April 2025. 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.

Existing Customer rates

You can view new Existing Customer and ABDO deals for your customer in the Broker Portal from the 22^nd April For guidance on how to select Existing Customer and ADBO rates via the portal, please click here.

Purchase

Click below for a full list of the changes we're making to our purchase range.

2 year fixed rate purchase

[FO61157] 60% LTV, decreasing by 15bps from 4.36% to 4.21%, product fee £0

[FO61163] 60% LTV, decreasing by 15bps from 4.14% to 3.99%, product fee £995

[FO61161] 60% LTV, decreasing by 15bps from 4.09% to 3.94%, product fee £1,495

[FO61176] 75% LTV, decreasing by 20bps from 4.33% to 4.13%, product fee £995

[FO61178] 75% LTV, decreasing by 20bps from 4.28% to 4.08%, product fee £1,495

[FO61239] 75% LTV, decreasing by 15bps from 4.50% to 4.35%, product fee £0

[FO61102] 80% LTV, decreasing by 17bps from 4.80% to 4.63%, product fee £0

[FO61197] 80% LTV, decreasing by 22bps from 4.49% to 4.27%, product fee £1,495

[FO61125] 80% LTV, decreasing by 22bps from 4.54% to 4.32%, product fee £995

[FO61193] 85% LTV, decreasing by 18bps from 4.54% to 4.36%, product fee £1,495

[FO61115] 85% LTV, decreasing by 16bps from 4.80% to 4.64%, product fee £0

[FO61119] 85% LTV, decreasing by 18bps from 4.59% to 4.41%, product fee £995

[FO61181] 90% LTV, decreasing by 26bps from 5.24% to 4.98%, product fee £0

[FO61236] 90% LTV, decreasing by 16bps from 4.85% to 4.69%, product fee £995

[FO61053] 95% LTV, decreasing by 10bps from 5.40% to 5.30%, product fee £0

2 year fixed rate purchase - high value

5 year fixed rate purchase

[FO61182] 60% LTV, decreasing by 13bps from 4.30% to 4.17%, product fee £0

[FO61158] 60% LTV, decreasing by 9bps from 4.14% to 4.05%, product fee £995

[FO61220] 60% LTV, decreasing by 9bps from 4.09% to 4.00%, product fee £1,495

[FO61202] 75% LTV, decreasing by 13bps from 4.21% to 4.08%, product fee £1,495

[FO61123] 75% LTV, decreasing by 11bps from 4.43% to 4.32%, product fee £0

[FO61184] 75% LTV, decreasing by 13bps from 4.26% to 4.13%, product fee £995

[FO61203] 80% LTV, decreasing by 14bps from 4.57% to 4.43%, product fee £0

[FO61135] 80% LTV, decreasing by 12bps from 4.38% to 4.26%, product fee £1,495

[FO61185] 80% LTV, decreasing by 12bps from 4.43% to 4.31%, product fee £995

[FO61226] 85% LTV, decreasing by 5bps from 4.57% to 4.52%, product fee £0

[FO61215] 85% LTV, decreasing by 9bps from 4.44% to 4.35%, product fee £995

[FO61222] 85% LTV, decreasing by 9bps from 4.39% to 4.30%, product fee £1,495

[FO61150] 90% LTV, decreasing by 5bps from 4.80% to 4.75%, product fee £0

[FO61146] 95% LTV, decreasing by 12bps from 5.14% to 5.02%, product fee £0

5 year fixed rate purchase - high value

Purchase - tracker

Click below for a full list of the changes we're making to our purchase tracker range.

2 year tracker rate purchase

[TO9597] 60% LTV, decreasing by 33bps from 5.02% to 4.69%, product fee £995

[TO9596] 60% LTV, decreasing by 50bps from 5.41% to 4.91%, product fee £0

[TO9590] 75% LTV, decreasing by 36bps from 5.41% to 5.05%, product fee £0

[TO9595] 75% LTV, decreasing by 34bps from 5.17% to 4.83%, product fee £995

[TO9576] 80% LTV, decreasing by 19bps from 5.52% to 5.33%, product fee £0

[TO9594] 80% LTV, decreasing by 15bps from 5.17% to 5.02%, product fee £995

[TO9591] 85% LTV, decreasing by 11bps from 5.22% to 5.11%, product fee £995

[TO9585] 85% LTV, decreasing by 23bps from 5.57% to 5.34%, product fee £0

[TO9587] 90% LTV, decreasing by 2bps from 5.41% to 5.39%, product fee £995

2 year tracker rate purchase - high value

[TO9586] 60% LTV, decreasing by 28bps from 5.12% to 4.84%, product fee £995, cashback £250

[TO9582] 75% LTV, decreasing by 29bps from 5.27% to 4.98%, product fee £995, cashback £250

[TO9577] 80% LTV, decreasing by 10bps from 5.27% to 5.17%, product fee £995, cashback £250

[TO9599] 85% LTV, decreasing by 6bps from 5.32% to 5.26%, product fee £995, cashback £250

Remortgage

Click below for a full list of the changes we're making to our remortgage range.

2 year fixed rate remortgage

[FO61209] 60% LTV, decreasing by 7bps from 4.22% to 4.15%, product fee £995, cashback £250

[FO61223] 60% LTV, decreasing by 7bps from 4.17% to 4.10%, product fee £1,495, cashback £250

[FO61190] 60% LTV, decreasing by 7bps from 4.17% to 4.10%, product fee £1,495

[FO61059] 60% LTV, decreasing by 7bps from 4.22% to 4.15%, product fee £995

[FO61230] 75% LTV, decreasing by 11bps from 4.42% to 4.31%, product fee £1,495, cashback £250

[FO61152] 75% LTV, decreasing by 11bps from 4.47% to 4.36%, product fee £995

[FO61198] 75% LTV, decreasing by 11bps from 4.47% to 4.36%, product fee £995, cashback £250

[FO61067] 75% LTV, decreasing by 11bps from 4.42% to 4.31%, product fee £1,495

[FO61174] 80% LTV, decreasing by 9bps from 4.74% to 4.65%, product fee £1,495, cashback £250

[FO61075] 80% LTV, decreasing by 9bps from 5.11% to 5.02%, product fee £0, cashback £250

[FO61180] 80% LTV, decreasing by 9bps from 4.79% to 4.70%, product fee £995

[FO61092] 80% LTV, decreasing by 9bps from 5.11% to 5.02%, product fee £0

[FO61128] 80% LTV, decreasing by 9bps from 4.79% to 4.70%, product fee £995, cashback £250

[FO61159] 80% LTV, decreasing by 9bps from 4.74% to 4.65%, product fee £1,495

[FO61208] 85% LTV, decreasing by 10bps from 4.87% to 4.77%, product fee £995, cashback £250

[FO61164] 85% LTV, decreasing by 14bps from 5.20% to 5.06%, product fee £0

[FO61155] 85% LTV, decreasing by 10bps from 4.82% to 4.72%, product fee £1,495

[FO61106] 85% LTV, decreasing by 14bps from 5.20% to 5.06%, product fee £0, cashback £250

[FO61080] 85% LTV, decreasing by 10bps from 4.87% to 4.77%, product fee £995

[FO61200] 85% LTV, decreasing by 10bps from 4.82% to 4.72%, product fee £1,495, cashback £250

[FO61141] 90% LTV, decreasing by 9bps from 5.50% to 5.41%, product fee £0, cashback £250

[FO61126] 90% LTV, decreasing by 12bps from 5.25% to 5.13%, product fee £995, cashback £250

[FO61070] 90% LTV, decreasing by 9bps from 5.50% to 5.41%, product fee £0

[FO61131] 90% LTV, decreasing by 12bps from 5.25% to 5.13%, product fee £995

2 year fixed rate remortgage - high value

[FO61232] 60% LTV, decreasing by 2bps from 4.32% to 4.30%, product fee £995, cashback £250

[FO61160] 75% LTV, decreasing by 6bps from 4.57% to 4.51%, product fee £995, cashback £250

[FO61168] 80% LTV, decreasing by 4bps from 4.89% to 4.85%, product fee £995, cashback £250

[FO61154] 85% LTV, decreasing by 5bps from 4.97% to 4.92%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO61087] 60% LTV, decreasing by 8bps from 4.08% to 4.00%, product fee £1,495

[FO61129] 60% LTV, decreasing by 8bps from 4.08% to 4.00%, product fee £1,495, cashback £250

[FO61061] 60% LTV, decreasing by 3bps from 4.28% to 4.25%, product fee £0, cashback £250

[FO61097] 60% LTV, decreasing by 8bps from 4.13% to 4.05%, product fee £995

[FO61063] 60% LTV, decreasing by 3bps from 4.28% to 4.25%, product fee £0

[FO61224] 60% LTV, decreasing by 8bps from 4.13% to 4.05%, product fee £995, cashback £250

[FO61218] 75% LTV, decreasing by 5bps from 4.25% to 4.20%, product fee £995, cashback £250

[FO61177] 75% LTV, decreasing by 4bps from 4.38% to 4.34%, product fee £0

[FO61225] 75% LTV, decreasing by 5bps from 4.20% to 4.15%, product fee £1,495, cashback £250

[FO61170] 75% LTV, decreasing by 4bps from 4.38% to 4.34%, product fee £0, cashback £250

[FO61050] 75% LTV, decreasing by 5bps from 4.20% to 4.15%, product fee £1,495

[FO61111] 75% LTV, decreasing by 5bps from 4.25% to 4.20%, product fee £995

[FO61173] 80% LTV, decreasing by 9bps from 4.71% to 4.62%, product fee £0, cashback £250

[FO61052] 80% LTV, decreasing by 9bps from 4.71% to 4.62%, product fee £0

[FO61103] 85% LTV, decreasing by 6bps from 4.49% to 4.43%, product fee £1,495

[FO61112] 85% LTV, decreasing by 6bps from 4.54% to 4.48%, product fee £995

[FO61211] 85% LTV, decreasing by 6bps from 4.49% to 4.43%, product fee £1,495, cashback £250

[FO61098] 85% LTV, decreasing by 6bps from 4.71% to 4.65%, product fee £0

[FO61189] 85% LTV, decreasing by 6bps from 4.71% to 4.65%, product fee £0, cashback £250

[FO61216] 85% LTV, decreasing by 6bps from 4.54% to 4.48%, product fee £995, cashback £250

[FO61088] 90% LTV, decreasing by 17bps from 5.04% to 4.87%, product fee £0

[FO61066] 90% LTV, decreasing by 12bps from 4.79% to 4.67%, product fee £995

[FO61165] 90% LTV, decreasing by 12bps from 4.79% to 4.67%, product fee £995, cashback £250

[FO61201] 90% LTV, decreasing by 17bps from 5.04% to 4.87%, product fee £0, cashback £250

5 year fixed rate remortgage - high value

Remortgage - tracker

Click below for a full list of the changes we're making to our remortgage tracker range.

2 year tracker rate remortgage

[TO9584] 60% LTV, decreasing by 17bps from 5.02% to 4.85%, product fee £995

[TO9571] 60% LTV, decreasing by 21bps from 5.43% to 5.22%, product fee £0, cashback £250

[TO9598] 60% LTV, decreasing by 17bps from 5.02% to 4.85%, product fee £995, cashback £250

[TO9575] 60% LTV, decreasing by 21bps from 5.43% to 5.22%, product fee £0

[TO9592] 75% LTV, decreasing by 13bps from 5.19% to 5.06%, product fee £995, cashback £250

[TO9601] 75% LTV, decreasing by 13bps from 5.19% to 5.06%, product fee £995

2 year tracker rate remortgage - high value

First-time buyer

Click below for a full list of the changes we're making to our first-time buyer range.

2 year fixed rate purchase

[FO61095] 85% LTV, decreasing by 18bps from 4.59% to 4.41%, product fee £995, cashback £250

[FO61148] 85% LTV, decreasing by 16bps from 4.80% to 4.64%, product fee £0, cashback £250

[FO61188] 90% LTV, decreasing by 26bps from 5.24% to 4.98%, product fee £0, cashback £250

[FO61073] 90% LTV, decreasing by 16bps from 4.85% to 4.69%, product fee £995, cashback £250

5 year fixed rate purchase

Shared equity

Click below for a full list of the changes we're making to our shared equity range.

2 year fixed rate purchase

[FO61138] 60% LTV, decreasing by 15bps from 4.51% to 4.36%, product fee £0

[FO61082] 60% LTV, decreasing by 15bps from 4.29% to 4.14%, product fee £995, cashback £250

[FO61054] 75% LTV, decreasing by 20bps from 4.48% to 4.28%, product fee £995, cashback £250

[FO61110] 75% LTV, decreasing by 15bps from 4.65% to 4.50%, product fee £0

5 year fixed rate purchase

[FO61046] 60% LTV, decreasing by 13bps from 4.45% to 4.32%, product fee £0

[FO61085] 60% LTV, decreasing by 9bps from 4.29% to 4.20%, product fee £995, cashback £250

[FO61136] 75% LTV, decreasing by 11bps from 4.58% to 4.47%, product fee £0

[FO61096] 75% LTV, decreasing by 13bps from 4.41% to 4.28%, product fee £995, cashback £250

Help to Buy: shared equity

Click below for a full list of the changes we're making to our Help to Buy: shared equity range.

2 year fixed rate remortgage

5 year fixed rate remortgage

[FO61113] 60% LTV, decreasing by 3bps from 4.43% to 4.40%, product fee £0, cashback £500

[FO61090] 60% LTV, decreasing by 8bps from 4.28% to 4.20%, product fee £995, cashback £500

[FO61077] 75% LTV, decreasing by 5bps from 4.40% to 4.35%, product fee £995, cashback £500

[FO61205] 75% LTV, decreasing by 4bps from 4.53% to 4.49%, product fee £0, cashback £500

Buy to Let

Click below for a full list of the changes we're making to our Buy to Let range.

2 year fixed rate purchase

[FO61114] 60% LTV, decreasing by 10bps from 4.89% to 4.79%, product fee £0

[FO61043] 60% LTV, decreasing by 11bps from 4.60% to 4.49%, product fee £995

[FO61069] 75% LTV, decreasing by 11bps from 5.00% to 4.89%, product fee £0

[FO61237] 75% LTV, decreasing by 16bps from 4.84% to 4.68%, product fee £995

[FO61060] 75% LTV, decreasing by 10bps from 4.15% to 4.05%, product fee £3,499

5 year fixed rate purchase

2 year fixed rate remortgage

[FO61074] 60% LTV, decreasing by 15bps from 4.59% to 4.44%, product fee £995, cashback £250

[FO61171] 60% LTV, decreasing by 8bps from 4.87% to 4.79%, product fee £0, cashback £250

[FO61139] 60% LTV, decreasing by 8bps from 4.87% to 4.79%, product fee £0

[FO61231] 60% LTV, decreasing by 15bps from 4.59% to 4.44%, product fee £995

[FO61240] 75% LTV, decreasing by 6bps from 5.08% to 5.02%, product fee £0, cashback £250

[FO61149] 75% LTV, decreasing by 19bps from 4.78% to 4.59%, product fee £995, cashback £250

[FO61156] 75% LTV, decreasing by 31bps from 4.30% to 3.99%, product fee £3,499

[FO61132] 75% LTV, decreasing by 19bps from 4.78% to 4.59%, product fee £995

[FO61233] 75% LTV, decreasing by 6bps from 5.08% to 5.02%, product fee £0

5 year fixed rate remortgage

[FO61217] 60% LTV, decreasing by 8bps from 4.57% to 4.49%, product fee £0, cashback £250

[FO61229] 60% LTV, decreasing by 7bps from 4.36% to 4.29%, product fee £995, cashback £250

[FO61100] 60% LTV, decreasing by 7bps from 4.36% to 4.29%, product fee £995

[FO61227] 60% LTV, decreasing by 8bps from 4.57% to 4.49%, product fee £0

[FO61044] 75% LTV, decreasing by 14bps from 4.74% to 4.60%, product fee £0, cashback £250

[FO61169] 75% LTV, decreasing by 5bps from 4.50% to 4.45%, product fee £995, cashback £250

[FO61107] 75% LTV, decreasing by 5bps from 4.50% to 4.45%, product fee £995

[FO61238] 75% LTV, decreasing by 14bps from 4.74% to 4.60%, product fee £0

Green

Click below for a full list of the changes we're making to our Green range.

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

[FO61078] 60% LTV, decreasing by 7bps from 4.17% to 4.10%, product fee £995, cashback £250

[FO61179] 60% LTV, decreasing by 7bps from 4.17% to 4.10%, product fee £995

[FO61093] 75% LTV, decreasing by 11bps from 4.42% to 4.31%, product fee £995

[FO61122] 75% LTV, decreasing by 11bps from 4.42% to 4.31%, product fee £995, cashback £250

[FO61151] 85% LTV, decreasing by 10bps from 4.82% to 4.72%, product fee £995, cashback £250

[FO61120] 85% LTV, decreasing by 10bps from 4.82% to 4.72%, product fee £995

5 year fixed rate remortgage

[FO61121] 60% LTV, decreasing by 8bps from 4.08% to 4.00%, product fee £995, cashback £250

[FO61142] 60% LTV, decreasing by 8bps from 4.08% to 4.00%, product fee £995

[FO61072] 75% LTV, decreasing by 5bps from 4.20% to 4.15%, product fee £995

[FO61047] 75% LTV, decreasing by 5bps from 4.20% to 4.15%, product fee £995, cashback £250

[FO61056] 85% LTV, decreasing by 6bps from 4.49% to 4.43%, product fee £995, cashback £250

[FO61116] 85% LTV, decreasing by 6bps from 4.49% to 4.43%, product fee £995

Green - Buy to Let

Click below for a full list of the changes we're making to our Buy to Let Green range.

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

[FO61228] 65% LTV, decreasing by 15bps from 4.53% to 4.38%, product fee £995, cashback £250

[FO61221] 65% LTV, decreasing by 15bps from 4.53% to 4.38%, product fee £995

[FO61204] 75% LTV, decreasing by 19bps from 4.72% to 4.53%, product fee £995, cashback £250

[FO61108] 75% LTV, decreasing by 19bps from 4.72% to 4.53%, product fee £995

5 year fixed rate remortgage

[FO61117] 65% LTV, decreasing by 7bps from 4.30% to 4.23%, product fee £995, cashback £250

[FO61167] 65% LTV, decreasing by 7bps from 4.30% to 4.23%, product fee £995

[FO61199] 75% LTV, decreasing by 5bps from 4.44% to 4.39%, product fee £995

[FO61166] 75% LTV, decreasing by 5bps from 4.44% to 4.39%, product fee £995, cashback £250

Changes to our New Business and Existing product range - 22nd April

ONLY FOR USE BY MORTGAGE INTERMEDIARIES

Summary

Purchase

2 year fixed rate purchase

2 year fixed rate purchase - high value

5 year fixed rate purchase

5 year fixed rate purchase - high value

Purchase - tracker

2 year tracker rate purchase

2 year tracker rate purchase - high value

Remortgage

2 year fixed rate remortgage

2 year fixed rate remortgage - high value

5 year fixed rate remortgage

5 year fixed rate remortgage - high value

Remortgage - tracker

2 year tracker rate remortgage

2 year tracker rate remortgage - high value

First-time buyer

2 year fixed rate purchase

5 year fixed rate purchase

Shared equity

2 year fixed rate purchase

5 year fixed rate purchase

Help to Buy: shared equity

2 year fixed rate remortgage

5 year fixed rate remortgage

Buy to Let

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

5 year fixed rate remortgage

Green

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

5 year fixed rate remortgage

Green - Buy to Let

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

5 year fixed rate remortgage