Changes to our product range

Summary

Effective 27^th August we’re making rate increases to our New Business, Existing Customer and Standalone Additional Borrowing product ranges as well as our end dates.

End dates

2 year term end dates, moving from 30^th November 2027 to 31^st December 2027.

5 year term end dates, moving from 30^th November 2030 to 31^st December 2030.

You can download a PDF of our updated product range.

Submitting business to us

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 26^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.

Existing Customer rates

You can view new Existing Customer for your customer in the Broker Portal from the 27^th August. For guidance on how to select Existing Customer 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

[FO361495] 60% LTV, increasing by 17bps from 4.02% to 4.19%, product fee £0

[FO361499] 60% LTV, increasing by 15bps from 3.73% to 3.88%, product fee £1,495

[FO361482] 60% LTV, increasing by 15bps from 3.78% to 3.93%, product fee £995

[FO361519] 75% LTV, increasing by 20bps from 3.91% to 4.11%, product fee £995

[FO361561] 75% LTV, increasing by 11bps from 4.17% to 4.28%, product fee £0

[FO361511] 75% LTV, increasing by 20bps from 3.86% to 4.06%, product fee £1,495

[FO361465] 80% LTV, increasing by 15bps from 4.04% to 4.19%, product fee £995

[FO361426] 80% LTV, increasing by 9bps from 4.29% to 4.38%, product fee £0

[FO361530] 80% LTV, increasing by 15bps from 3.99% to 4.14%, product fee £1,495

[FO361460] 85% LTV, increasing by 14bps from 4.29% to 4.43%, product fee £0

[FO361514] 85% LTV, increasing by 20bps from 3.99% to 4.19%, product fee £1,495

[FO361436] 85% LTV, increasing by 20bps from 4.04% to 4.24%, product fee £995

[FO361506] 90% LTV, increasing by 16bps from 4.53% to 4.69%, product fee £0

[FO361565] 90% LTV, increasing by 8bps from 4.37% to 4.45%, product fee £995

[FO361385] 95% LTV, increasing by 17bps from 5.00% to 5.17%, product fee £0

2 year fixed rate purchase - high value

5 year fixed rate purchase

[FO361497] 60% LTV, increasing by 6bps from 4.01% to 4.07%, product fee £0

[FO361485] 60% LTV, increasing by 9bps from 3.90% to 3.99%, product fee £995

[FO361547] 60% LTV, increasing by 9bps from 3.85% to 3.94%, product fee £1,495

[FO361504] 75% LTV, increasing by 9bps from 4.03% to 4.12%, product fee £995

[FO361471] 75% LTV, increasing by 13bps from 4.13% to 4.26%, product fee £0

[FO361525] 75% LTV, increasing by 9bps from 3.98% to 4.07%, product fee £1,495

[FO361523] 80% LTV, increasing by 9bps from 4.14% to 4.23%, product fee £995

[FO361448] 80% LTV, increasing by 9bps from 4.09% to 4.18%, product fee £1,495

[FO361526] 80% LTV, increasing by 13bps from 4.23% to 4.36%, product fee £0

[FO361544] 85% LTV, increasing by 16bps from 4.09% to 4.25%, product fee £1,495

[FO361567] 85% LTV, increasing by 16bps from 4.14% to 4.30%, product fee £995

[FO361553] 85% LTV, increasing by 17bps from 4.23% to 4.40%, product fee £0

[FO361556] 90% LTV, increasing by 17bps from 4.26% to 4.43%, product fee £995

[FO361454] 90% LTV, increasing by 12bps from 4.44% to 4.56%, product fee £0

[FO361466] 95% LTV, increasing by 10bps from 4.90% to 5.00%, product fee £0

5 year fixed rate purchase - high value

Remortgage

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

2 year fixed rate remortgage

[FO361522] 60% LTV, increasing by 1bps from 3.82% to 3.83%, product fee £1,495

[FO361532] 60% LTV, increasing by 1bps from 3.87% to 3.88%, product fee £995, cashback £350

[FO361461] 60% LTV, increasing by 7bps from 4.20% to 4.27%, product fee £0

[FO361408] 60% LTV, increasing by 1bps from 3.87% to 3.88%, product fee £995

[FO361548] 60% LTV, increasing by 1bps from 3.82% to 3.83%, product fee £1,495, cashback £350

[FO361391] 60% LTV, increasing by 7bps from 4.20% to 4.27%, product fee £0, cashback £350

[FO361420] 75% LTV, increasing by 2bps from 4.02% to 4.04%, product fee £1,495

[FO361563] 75% LTV, increasing by 2bps from 4.38% to 4.40%, product fee £0, cashback £350

[FO361562] 75% LTV, increasing by 2bps from 4.02% to 4.04%, product fee £1,495, cashback £350

[FO361483] 75% LTV, increasing by 2bps from 4.38% to 4.40%, product fee £0

[FO361478] 75% LTV, increasing by 2bps from 4.07% to 4.09%, product fee £995

[FO361533] 75% LTV, increasing by 2bps from 4.07% to 4.09%, product fee £995, cashback £350

[FO361496] 85% LTV, increasing by 4bps from 4.29% to 4.33%, product fee £1,495

[FO361516] 85% LTV, increasing by 4bps from 4.29% to 4.33%, product fee £1,495, cashback £350

[FO361531] 85% LTV, increasing by 4bps from 4.34% to 4.38%, product fee £995, cashback £350

[FO361402] 85% LTV, increasing by 4bps from 4.34% to 4.38%, product fee £995

2 year fixed rate remortgage - high value

5 year fixed rate remortgage

[FO361560] 60% LTV, increasing by 7bps from 3.86% to 3.93%, product fee £995, cashback £350

[FO361430] 60% LTV, increasing by 7bps from 3.81% to 3.88%, product fee £1,495

[FO361424] 60% LTV, increasing by 7bps from 3.86% to 3.93%, product fee £995

[FO361394] 60% LTV, increasing by 13bps from 4.01% to 4.14%, product fee £0, cashback £350

[FO361452] 60% LTV, increasing by 7bps from 3.81% to 3.88%, product fee £1,495, cashback £350

[FO361418] 60% LTV, increasing by 13bps from 4.01% to 4.14%, product fee £0

[FO361521] 75% LTV, increasing by 6bps from 4.16% to 4.22%, product fee £0, cashback £350

[FO361566] 75% LTV, increasing by 6bps from 3.97% to 4.03%, product fee £1,495, cashback £350

[FO361384] 75% LTV, increasing by 6bps from 3.97% to 4.03%, product fee £1,495

[FO361462] 75% LTV, increasing by 6bps from 4.02% to 4.08%, product fee £995

[FO361510] 75% LTV, increasing by 6bps from 4.16% to 4.22%, product fee £0

[FO361536] 75% LTV, increasing by 6bps from 4.02% to 4.08%, product fee £995, cashback £350

[FO361541] 80% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £1,495, cashback £350

[FO361551] 80% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995, cashback £350

[FO361410] 80% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £1,495

[FO361393] 80% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995

[FO361427] 85% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £1,495

[FO361442] 85% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995

[FO361559] 85% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995, cashback £350

[FO361550] 85% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £1,495, cashback £350

[FO361425] 85% LTV, increasing by 4bps from 4.42% to 4.46%, product fee £0

[FO361517] 85% LTV, increasing by 4bps from 4.42% to 4.46%, product fee £0, cashback £350

[FO361535] 90% LTV, increasing by 6bps from 4.62% to 4.68%, product fee £0, cashback £350

[FO361505] 90% LTV, increasing by 6bps from 4.38% to 4.44%, product fee £995, cashback £350

[FO361415] 90% LTV, increasing by 6bps from 4.38% to 4.44%, product fee £995

[FO361413] 90% LTV, increasing by 6bps from 4.62% to 4.68%, product fee £0

5 year fixed rate remortgage - high value

[FO361432] 60% LTV, increasing by 7bps from 3.96% to 4.03%, product fee £995, cashback £350

[FO361444] 75% LTV, increasing by 6bps from 4.12% to 4.18%, product fee £995, cashback £350

[FO361468] 80% LTV, increasing by 7bps from 4.32% to 4.39%, product fee £995, cashback £350

[FO361543] 85% LTV, increasing by 7bps from 4.32% to 4.39%, product fee £995, cashback £350

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

[FO361431] 85% LTV, increasing by 20bps from 4.04% to 4.24%, product fee £995, cashback £250

[FO361449] 85% LTV, increasing by 14bps from 4.29% to 4.43%, product fee £0, cashback £250

[FO361512] 90% LTV, increasing by 16bps from 4.53% to 4.69%, product fee £0, cashback £250

[FO361378] 90% LTV, increasing by 8bps from 4.37% to 4.45%, product fee £995, cashback £250

5 year fixed rate purchase

[FO361377] 85% LTV, increasing by 17bps from 4.23% to 4.40%, product fee £0, cashback £250

[FO361382] 85% LTV, increasing by 16bps from 4.14% to 4.30%, product fee £995, cashback £250

[FO361498] 90% LTV, increasing by 17bps from 4.26% to 4.43%, product fee £995, cashback £250

[FO361446] 90% LTV, increasing by 12bps from 4.44% to 4.56%, product fee £0, cashback £250

Shared equity

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

2 year fixed rate purchase

[FO361475] 60% LTV, increasing by 17bps from 4.17% to 4.34%, product fee £0

[FO361421] 60% LTV, increasing by 15bps from 3.93% to 4.08%, product fee £995, cashback £250

[FO361450] 75% LTV, increasing by 11bps from 4.32% to 4.43%, product fee £0

[FO361395] 75% LTV, increasing by 20bps from 4.06% to 4.26%, product fee £995, cashback £250

5 year fixed rate purchase

[FO361443] 60% LTV, increasing by 9bps from 4.05% to 4.14%, product fee £995, cashback £250

[FO361398] 60% LTV, increasing by 6bps from 4.16% to 4.22%, product fee £0

[FO361423] 75% LTV, increasing by 9bps from 4.18% to 4.27%, product fee £995, cashback £250

[FO361456] 75% LTV, increasing by 13bps from 4.28% to 4.41%, product fee £0

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

[FO361489] 60% LTV, increasing by 7bps from 4.35% to 4.42%, product fee £0, cashback £500

[FO361467] 60% LTV, increasing by 1bps from 4.02% to 4.03%, product fee £995, cashback £500

[FO361487] 75% LTV, increasing by 2bps from 4.53% to 4.55%, product fee £0, cashback £500

[FO361515] 75% LTV, increasing by 2bps from 4.22% to 4.24%, product fee £995, cashback £500

5 year fixed rate remortgage

[FO361428] 60% LTV, increasing by 7bps from 4.01% to 4.08%, product fee £995, cashback £500

[FO361458] 60% LTV, increasing by 13bps from 4.16% to 4.29%, product fee £0, cashback £500

[FO361539] 75% LTV, increasing by 6bps from 4.31% to 4.37%, product fee £0, cashback £500

[FO361405] 75% LTV, increasing by 6bps from 4.17% to 4.23%, product fee £995, cashback £500

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

[FO361406] 60% LTV, increasing by 1bps from 3.82% to 3.83%, product fee £995, cashback £350

[FO361520] 60% LTV, increasing by 1bps from 3.82% to 3.83%, product fee £995

[FO361429] 75% LTV, increasing by 2bps from 4.02% to 4.04%, product fee £995

[FO361473] 75% LTV, increasing by 2bps from 4.02% to 4.04%, product fee £995, cashback £350

[FO361437] 85% LTV, increasing by 4bps from 4.29% to 4.33%, product fee £995

[FO361469] 85% LTV, increasing by 4bps from 4.29% to 4.33%, product fee £995, cashback £350

5 year fixed rate remortgage

[FO361470] 60% LTV, increasing by 7bps from 3.81% to 3.88%, product fee £995

[FO361480] 60% LTV, increasing by 7bps from 3.81% to 3.88%, product fee £995, cashback £350

[FO361401] 75% LTV, increasing by 6bps from 3.97% to 4.03%, product fee £995

[FO361399] 75% LTV, increasing by 6bps from 3.97% to 4.03%, product fee £995, cashback £350

[FO361383] 85% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £995, cashback £350

[FO361440] 85% LTV, increasing by 7bps from 4.17% to 4.24%, product fee £995

Green - Buy to Let

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

[FO361545] 65% LTV, increasing by 10bps from 3.93% to 4.03%, product fee £995, cashback £350

[FO361555] 65% LTV, increasing by 10bps from 3.93% to 4.03%, product fee £995

[FO361549] 75% LTV, increasing by 8bps from 4.30% to 4.38%, product fee £995, cashback £350

[FO361451] 75% LTV, increasing by 8bps from 4.30% to 4.38%, product fee £995

5 year fixed rate remortgage

[FO361503] 65% LTV, increasing by 10bps from 3.98% to 4.08%, product fee £995

[FO361441] 65% LTV, increasing by 10bps from 3.98% to 4.08%, product fee £995, cashback £350

[FO361534] 75% LTV, increasing by 14bps from 4.27% to 4.41%, product fee £995

[FO361491] 75% LTV, increasing by 14bps from 4.27% to 4.41%, product fee £995, cashback £350

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

5 year fixed rate purchase

2 year fixed rate remortgage

[FO361508] 60% LTV, increasing by 15bps from 4.39% to 4.54%, product fee £0, cashback £350

[FO361484] 60% LTV, increasing by 15bps from 4.39% to 4.54%, product fee £0

[FO361527] 60% LTV, increasing by 10bps from 3.99% to 4.09%, product fee £995

[FO361400] 60% LTV, increasing by 10bps from 3.99% to 4.09%, product fee £995, cashback £350

[FO361477] 75% LTV, increasing by 8bps from 4.36% to 4.44%, product fee £995

[FO361568] 75% LTV, increasing by 14bps from 4.64% to 4.78%, product fee £0, cashback £350

[FO361455] 75% LTV, increasing by 8bps from 4.36% to 4.44%, product fee £995, cashback £350

[FO361557] 75% LTV, increasing by 14bps from 4.64% to 4.78%, product fee £0

[FO361494] 75% LTV, increasing by 8bps from 3.92% to 4.00%, product fee £3,499

5 year fixed rate remortgage

[FO361434] 60% LTV, increasing by 10bps from 4.04% to 4.14%, product fee £995

[FO361558] 60% LTV, increasing by 10bps from 4.04% to 4.14%, product fee £995, cashback £350

[FO361552] 60% LTV, increasing by 11bps from 4.23% to 4.34%, product fee £0, cashback £350

[FO361554] 60% LTV, increasing by 11bps from 4.23% to 4.34%, product fee £0

[FO361389] 75% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £0, cashback £350

[FO361569] 75% LTV, increasing by 10bps from 4.49% to 4.59%, product fee £0

[FO361463] 75% LTV, increasing by 14bps from 4.33% to 4.47%, product fee £995

[FO361524] 75% LTV, increasing by 14bps from 4.33% to 4.47%, product fee £995, cashback £350

Standalone additional borrowing

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

2 year fixed rate further advances

[FO361664] 60% LTV, increasing by 1bps from 3.87% to 3.88%, product fee £995

[FO361660] 60% LTV, increasing by 7bps from 4.20% to 4.27%, product fee £0

[FO361665] 75% LTV, increasing by 2bps from 4.07% to 4.09%, product fee £995

[FO361661] 75% LTV, increasing by 2bps from 4.38% to 4.40%, product fee £0

[FO361666] 85% LTV, increasing by 4bps from 4.34% to 4.38%, product fee £995

5 year fixed rate further advances

[FO361655] 60% LTV, increasing by 7bps from 3.86% to 3.93%, product fee £995

[FO361363] 60% LTV, increasing by 13bps from 4.01% to 4.14%, product fee £0

[FO361662] 75% LTV, increasing by 6bps from 4.16% to 4.22%, product fee £0

[FO361656] 75% LTV, increasing by 6bps from 4.02% to 4.08%, product fee £995

[FO361657] 80% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995

[FO361663] 85% LTV, increasing by 4bps from 4.42% to 4.46%, product fee £0

[FO361658] 85% LTV, increasing by 7bps from 4.22% to 4.29%, product fee £995

[FO361667] 90% LTV, increasing by 6bps from 4.62% to 4.68%, product fee £0

[FO361659] 90% LTV, increasing by 6bps from 4.38% to 4.44%, product fee £995

Changes to our New Business and Existing product range - 27th August

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

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

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

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

Buy to Let

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

5 year fixed rate remortgage

Standalone additional borrowing

2 year fixed rate further advances

5 year fixed rate further advances