Changes to our product range

Summary

Effective 28th May, we’re making rate increases to our New Business product range.

New Business Rate Changes:

We're making increases of up to 30bps across purchase, remortgage, 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 Tuesday 27th May.

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 Wednesday 28th May 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.

Purchase

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

2 year fixed rate purchase

[FO63233] 60% LTV, increasing by 8bps from 3.88% to 3.96%, product fee £1,495

[FO63224] 60% LTV, increasing by 8bps from 3.93% to 4.01%, product fee £995

[FO63246] 60% LTV, increasing by 5bps from 4.17% to 4.22%, product fee £0

[FO63254] 75% LTV, increasing by 7bps from 3.98% to 4.05%, product fee £1,495

[FO63262] 75% LTV, increasing by 7bps from 4.03% to 4.10%, product fee £995

[FO63308] 75% LTV, increasing by 5bps from 4.27% to 4.32%, product fee £0

[FO63280] 80% LTV, increasing by 5bps from 4.18% to 4.23%, product fee £1,495

[FO63199] 80% LTV, increasing by 5bps from 4.23% to 4.28%, product fee £995

[FO63174] 80% LTV, increasing by 1bps from 4.47% to 4.48%, product fee £0

[FO63177] 85% LTV, increasing by 5bps from 4.23% to 4.28%, product fee £995

[FO63250] 85% LTV, increasing by 5bps from 4.18% to 4.23%, product fee £1,495

[FO63179] 85% LTV, increasing by 7bps from 4.47% to 4.54%, product fee £0

[FO63304] 90% LTV, increasing by 10bps from 4.60% to 4.70%, product fee £995

[FO63249] 90% LTV, increasing by 7bps from 4.79% to 4.86%, product fee £0

[FO63142] 95% LTV, increasing by 17bps from 5.23% to 5.40%, product fee £0

2 year fixed rate purchase - high value

5 year fixed rate purchase

[FO63294] 60% LTV, increasing by 11bps from 3.88% to 3.99%, product fee £1,495

[FO63242] 60% LTV, increasing by 15bps from 4.15% to 4.30%, product fee £0

[FO63225] 60% LTV, increasing by 11bps from 3.93% to 4.04%, product fee £995

[FO63203] 75% LTV, increasing by 10bps from 4.25% to 4.35%, product fee £0

[FO63269] 75% LTV, increasing by 5bps from 4.05% to 4.10%, product fee £1,495

[FO63248] 75% LTV, increasing by 5bps from 4.10% to 4.15%, product fee £995

[FO63266] 80% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £995

[FO63270] 80% LTV, increasing by 16bps from 4.37% to 4.53%, product fee £0

[FO63202] 80% LTV, increasing by 15bps from 4.23% to 4.38%, product fee £1,495

[FO63297] 85% LTV, increasing by 16bps from 4.37% to 4.53%, product fee £0

[FO63283] 85% LTV, increasing by 15bps from 4.23% to 4.38%, product fee £1,495

[FO63302] 85% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £995

[FO63299] 90% LTV, increasing by 17bps from 4.46% to 4.63%, product fee £995

[FO63215] 90% LTV, increasing by 18bps from 4.60% to 4.78%, product fee £0

[FO63208] 95% LTV, increasing by 20bps from 5.02% to 5.22%, 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

[FO63145] 60% LTV, increasing by 10bps from 4.32% to 4.42%, product fee £0, cashback £250

[FO63151] 60% LTV, increasing by 6bps from 3.93% to 3.99%, product fee £995

[FO63291] 60% LTV, increasing by 6bps from 3.88% to 3.94%, product fee £1,495, cashback £250

[FO63277] 60% LTV, increasing by 6bps from 3.93% to 3.99%, product fee £995, cashback £250

[FO63263] 60% LTV, increasing by 6bps from 3.88% to 3.94%, product fee £1,495

[FO63190] 60% LTV, increasing by 10bps from 4.32% to 4.42%, product fee £0

[FO63230] 75% LTV, increasing by 5bps from 4.19% to 4.24%, product fee £995

[FO63272] 75% LTV, increasing by 5bps from 4.19% to 4.24%, product fee £995, cashback £250

[FO63300] 75% LTV, increasing by 5bps from 4.59% to 4.64%, product fee £0, cashback £250

[FO63213] 75% LTV, increasing by 5bps from 4.59% to 4.64%, product fee £0

[FO63165] 75% LTV, increasing by 5bps from 4.14% to 4.19%, product fee £1,495

[FO63292] 75% LTV, increasing by 5bps from 4.14% to 4.19%, product fee £1,495, cashback £250

[FO63260] 80% LTV, increasing by 11bps from 4.54% to 4.65%, product fee £995

[FO63167] 80% LTV, increasing by 5bps from 4.92% to 4.97%, product fee £0

[FO63201] 80% LTV, increasing by 11bps from 4.54% to 4.65%, product fee £995, cashback £250

[FO63234] 80% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £1,495

[FO63138] 80% LTV, increasing by 5bps from 4.92% to 4.97%, product fee £0, cashback £250

[FO63255] 80% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £1,495, cashback £250

[FO63238] 85% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £1,495

[FO63239] 85% LTV, increasing by 13bps from 4.96% to 5.09%, product fee £0

[FO63276] 85% LTV, increasing by 11bps from 4.54% to 4.65%, product fee £995, cashback £250

[FO63192] 85% LTV, increasing by 13bps from 4.96% to 5.09%, product fee £0, cashback £250

[FO63271] 85% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £1,495, cashback £250

[FO63147] 85% LTV, increasing by 11bps from 4.54% to 4.65%, product fee £995

[FO63193] 90% LTV, increasing by 10bps from 5.00% to 5.10%, product fee £995, cashback £250

[FO63214] 90% LTV, increasing by 6bps from 5.27% to 5.33%, product fee £0, cashback £250

[FO63219] 90% LTV, increasing by 10bps from 5.00% to 5.10%, product fee £995

[FO63157] 90% LTV, increasing by 6bps from 5.27% to 5.33%, product fee £0

2 year fixed rate remortgage - high value

[FO63285] 60% LTV, increasing by 6bps from 4.03% to 4.09%, product fee £995, cashback £250

[FO63235] 75% LTV, increasing by 5bps from 4.29% to 4.34%, product fee £995, cashback £250

[FO63237] 80% LTV, increasing by 11bps from 4.64% to 4.75%, product fee £995, cashback £250

[FO63232] 85% LTV, increasing by 11bps from 4.64% to 4.75%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO63296] 60% LTV, increasing by 12bps from 3.93% to 4.05%, product fee £995, cashback £250

[FO63166] 60% LTV, increasing by 12bps from 3.88% to 4.00%, product fee £1,495

[FO63139] 60% LTV, increasing by 15bps from 4.11% to 4.26%, product fee £0, cashback £250

[FO63194] 60% LTV, increasing by 12bps from 3.88% to 4.00%, product fee £1,495, cashback £250

[FO63169] 60% LTV, increasing by 12bps from 3.93% to 4.05%, product fee £995

[FO63156] 60% LTV, increasing by 15bps from 4.11% to 4.26%, product fee £0

[FO63253] 75% LTV, increasing by 14bps from 4.24% to 4.38%, product fee £0

[FO63136] 75% LTV, increasing by 10bps from 4.05% to 4.15%, product fee £1,495

[FO63264] 75% LTV, increasing by 14bps from 4.24% to 4.38%, product fee £0, cashback £250

[FO63305] 75% LTV, increasing by 10bps from 4.05% to 4.15%, product fee £1,495, cashback £250

[FO63196] 75% LTV, increasing by 10bps from 4.10% to 4.20%, product fee £995

[FO63289] 75% LTV, increasing by 10bps from 4.10% to 4.20%, product fee £995, cashback £250

[FO63144] 80% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £1,495

[FO63282] 80% LTV, increasing by 13bps from 4.34% to 4.47%, product fee £995, cashback £250

[FO63134] 80% LTV, increasing by 13bps from 4.52% to 4.65%, product fee £0

[FO63243] 80% LTV, increasing by 13bps from 4.52% to 4.65%, product fee £0, cashback £250

[FO63140] 80% LTV, increasing by 13bps from 4.34% to 4.47%, product fee £995

[FO63279] 80% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £1,495, cashback £250

[FO63303] 85% LTV, increasing by 13bps from 4.34% to 4.47%, product fee £995, cashback £250

[FO63181] 85% LTV, increasing by 13bps from 4.34% to 4.47%, product fee £995

[FO63176] 85% LTV, increasing by 14bps from 4.55% to 4.69%, product fee £0

[FO63175] 85% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £1,495

[FO63281] 85% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £1,495, cashback £250

[FO63267] 85% LTV, increasing by 14bps from 4.55% to 4.69%, product fee £0, cashback £250

[FO63159] 90% LTV, increasing by 12bps from 4.77% to 4.89%, product fee £0

[FO63240] 90% LTV, increasing by 16bps from 4.52% to 4.68%, product fee £995, cashback £250

[FO63278] 90% LTV, increasing by 12bps from 4.77% to 4.89%, product fee £0, cashback £250

[FO63164] 90% LTV, increasing by 16bps from 4.52% to 4.68%, product fee £995

5 year fixed rate remortgage - high value

[FO63184] 60% LTV, increasing by 12bps from 4.03% to 4.15%, product fee £995, cashback £250

[FO63172] 75% LTV, increasing by 10bps from 4.20% to 4.30%, product fee £995, cashback £250

[FO63205] 80% LTV, increasing by 13bps from 4.44% to 4.57%, product fee £995, cashback £250

[FO63275] 85% LTV, increasing by 13bps from 4.44% to 4.57%, product fee £995, cashback £250

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

[FO63207] 85% LTV, increasing by 7bps from 4.47% to 4.54%, product fee £0, cashback £250

[FO63180] 85% LTV, increasing by 5bps from 4.23% to 4.28%, product fee £995, cashback £250

[FO63259] 90% LTV, increasing by 7bps from 4.79% to 4.86%, product fee £0, cashback £250

[FO63132] 90% LTV, increasing by 10bps from 4.60% to 4.70%, product fee £995, cashback £250

5 year fixed rate purchase

[FO63133] 85% LTV, increasing by 15bps from 4.28% to 4.43%, product fee £995, cashback £250

[FO63131] 85% LTV, increasing by 16bps from 4.37% to 4.53%, product fee £0, cashback £250

[FO63200] 90% LTV, increasing by 18bps from 4.60% to 4.78%, product fee £0, cashback £250

[FO63247] 90% LTV, increasing by 17bps from 4.46% to 4.63%, product fee £995, 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

[FO63220] 60% LTV, increasing by 5bps from 4.32% to 4.37%, product fee £0

[FO63170] 60% LTV, increasing by 8bps from 4.08% to 4.16%, product fee £995, cashback £250

[FO63195] 75% LTV, increasing by 5bps from 4.42% to 4.47%, product fee £0

[FO63143] 75% LTV, increasing by 7bps from 4.18% to 4.25%, product fee £995, cashback £250

5 year fixed rate purchase

[FO63148] 60% LTV, increasing by 15bps from 4.30% to 4.45%, product fee £0

[FO63171] 60% LTV, increasing by 11bps from 4.08% to 4.19%, product fee £995, cashback £250

[FO63168] 75% LTV, increasing by 5bps from 4.25% to 4.30%, product fee £995, cashback £250

[FO63222] 75% LTV, increasing by 10bps from 4.40% to 4.50%, 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

[FO63209] 60% LTV, increasing by 6bps from 4.08% to 4.14%, product fee £995, cashback £500

[FO63229] 60% LTV, increasing by 10bps from 4.47% to 4.57%, product fee £0, cashback £500

[FO63251] 75% LTV, increasing by 5bps from 4.34% to 4.39%, product fee £995, cashback £500

[FO63227] 75% LTV, increasing by 5bps from 4.74% to 4.79%, product fee £0, cashback £500

5 year fixed rate remortgage

[FO63161] 60% LTV, increasing by 12bps from 4.08% to 4.20%, product fee £995, cashback £500

[FO63188] 60% LTV, increasing by 15bps from 4.26% to 4.41%, product fee £0, cashback £500

[FO63293] 75% LTV, increasing by 14bps from 4.39% to 4.53%, product fee £0, cashback £500

[FO63154] 75% LTV, increasing by 10bps from 4.25% to 4.35%, product fee £995, 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

[FO63189] 60% LTV, increasing by 22bps from 4.44% to 4.66%, product fee £0

[FO63135] 60% LTV, increasing by 21bps from 4.13% to 4.34%, product fee £995

[FO63306] 75% LTV, increasing by 22bps from 4.38% to 4.60%, product fee £995

[FO63158] 75% LTV, increasing by 10bps from 4.68% to 4.78%, product fee £0

[FO63152] 75% LTV, increasing by 30bps from 3.80% to 4.10%, product fee £3,499

5 year fixed rate purchase

2 year fixed rate remortgage

[FO63221] 60% LTV, increasing by 8bps from 4.54% to 4.62%, product fee £0

[FO63265] 60% LTV, increasing by 8bps from 4.54% to 4.62%, product fee £0, cashback £250

[FO63284] 60% LTV, increasing by 28bps from 4.04% to 4.32%, product fee £995

[FO63137] 60% LTV, increasing by 28bps from 4.04% to 4.32%, product fee £995, cashback £250

[FO63216] 75% LTV, increasing by 17bps from 4.36% to 4.53%, product fee £995, cashback £250

[FO63310] 75% LTV, increasing by 5bps from 4.73% to 4.78%, product fee £0

[FO63245] 75% LTV, increasing by 8bps from 3.89% to 3.97%, product fee £3,499

[FO63226] 75% LTV, increasing by 17bps from 4.36% to 4.53%, product fee £995

[FO63309] 75% LTV, increasing by 5bps from 4.73% to 4.78%, product fee £0, cashback £250

5 year fixed rate remortgage

[FO63288] 60% LTV, increasing by 14bps from 4.27% to 4.41%, product fee £0, cashback £250

[FO63183] 60% LTV, increasing by 23bps from 4.08% to 4.31%, product fee £995

[FO63298] 60% LTV, increasing by 14bps from 4.27% to 4.41%, product fee £0

[FO63301] 60% LTV, increasing by 23bps from 4.08% to 4.31%, product fee £995, cashback £250

[FO63198] 75% LTV, increasing by 20bps from 4.33% to 4.53%, product fee £995

[FO63257] 75% LTV, increasing by 20bps from 4.33% to 4.53%, product fee £995, cashback £250

[FO63141] 75% LTV, increasing by 15bps from 4.44% to 4.59%, product fee £0, cashback £250

[FO63307] 75% LTV, increasing by 15bps from 4.44% to 4.59%, 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

[FO63155] 60% LTV, increasing by 6bps from 3.88% to 3.94%, product fee £995, cashback £250

[FO63252] 60% LTV, increasing by 6bps from 3.88% to 3.94%, product fee £995

[FO63162] 75% LTV, increasing by 5bps from 4.14% to 4.19%, product fee £995

[FO63212] 75% LTV, increasing by 5bps from 4.14% to 4.19%, product fee £995, cashback £250

[FO63178] 85% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £995

[FO63206] 85% LTV, increasing by 11bps from 4.49% to 4.60%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO63210] 60% LTV, increasing by 12bps from 3.88% to 4.00%, product fee £995

[FO63211] 60% LTV, increasing by 12bps from 3.88% to 4.00%, product fee £995, cashback £250

[FO63150] 75% LTV, increasing by 10bps from 4.05% to 4.15%, product fee £995

[FO63149] 75% LTV, increasing by 10bps from 4.05% to 4.15%, product fee £995, cashback £250

[FO63130] 85% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £995, cashback £250

[FO63185] 85% LTV, increasing by 13bps from 4.29% to 4.42%, product fee £995

Buy to Let - green

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

[FO63295] 65% LTV, increasing by 28bps from 3.98% to 4.26%, product fee £995, cashback £250

[FO63287] 65% LTV, increasing by 28bps from 3.98% to 4.26%, product fee £995

[FO63286] 75% LTV, increasing by 17bps from 4.30% to 4.47%, product fee £995, cashback £250

[FO63197] 75% LTV, increasing by 17bps from 4.30% to 4.47%, product fee £995

5 year fixed rate remortgage

[FO63186] 65% LTV, increasing by 23bps from 4.02% to 4.25%, product fee £995, cashback £250

[FO63236] 65% LTV, increasing by 23bps from 4.02% to 4.25%, product fee £995

[FO63244] 75% LTV, increasing by 20bps from 4.27% to 4.47%, product fee £995, cashback £250

[FO63273] 75% LTV, increasing by 20bps from 4.27% to 4.47%, product fee £995

Changes to our New Business product range - 28th May

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

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

Buy to Let - green

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage

5 year fixed rate remortgage