Changes to our product range

Summary

Effective 31^st July we’re making rate reductions to our New Business, Existing Customer and Additional Borrowing (ADBO) product ranges as well as our end dates.

End dates

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

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

You can download a PDF of our updated product range.

Increased cashback for Remortgage ‘no free legal’ products

We’ve increased the cashback offered on our remortgage ‘no free legal’ products from £250 to £350. This covers both 2 and 5 year remortgage deals.

Submitting business to us

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

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 and ADBO deals for your customer in the Broker Portal from the 31^st July. For guidance on how to select Existing Customer and ADBO rates via the portal, please click here.

Product code character limit

As part of this change, we’re introducing an increase in the character length of our product codes from 7 to 8. This won’t impact our current processes or how our products source.

Purchase

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

2 year fixed rate purchase

[FO360129] 60% LTV ,decreasing by 4bps from 4.09% to 4.05%, product fee £0 [FO360118] 60% LTV ,decreasing by 4bps from 3.86% to 3.82%, product fee £995 [FO360125] 60% LTV ,decreasing by 4bps from 3.81% to 3.77%, product fee £1495 [FO360147] 75% LTV ,decreasing by 4bps from 4.24% to 4.20%, product fee £0 [FO360133] 75% LTV ,decreasing by 5bps from 4.00% to 3.95%, product fee £995 [FO360134] 75% LTV ,decreasing by 5bps from 3.95% to 3.90%, product fee £1495

2 year fixed rate purchase - high value

5 year fixed rate purchase

[FO360130] 60% LTV ,decreasing by 3bps from 4.08% to 4.05%, product fee £0 [FO360120] 60% LTV ,decreasing by 3bps from 3.96% to 3.93%, product fee £995 [FO360143] 60% LTV ,decreasing by 3bps from 3.91% to 3.88%, product fee £1495 [FO360116] 75% LTV ,decreasing by 4bps from 4.22% to 4.18%, product fee £0 [FO360131] 75% LTV ,decreasing by 4bps from 4.09% to 4.05%, product fee £995 [FO360137] 75% LTV ,decreasing by 4bps from 4.04% to 4.00%, product fee £1495

5 year fixed rate purchase - high value

Remortgage - cashback changes

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

2 year fixed rate and tracker remortgages

Remortgage No Free Legal

Cashback Changes

2 year fixed rate Remortgage

[FO360215] 60% LTV , rate 4.26%, product fee £0 ,cashback increasing from £250 to 350

[FO360335] 60% LTV , rate 3.92%, product fee £995 ,cashback increasing from £250 to 350

[FO360345] 60% LTV , rate 3.87%, product fee £1495 ,cashback increasing from £250 to 350

[FO360352] 75% LTV , rate 4.54%, product fee £0 ,cashback increasing from £250 to 350

[FO360336] 75% LTV , rate 4.14%, product fee £995 ,cashback increasing from £250 to 350

[FO360351] 75% LTV , rate 4.09%, product fee £1495 ,cashback increasing from £250 to 350

[FO360220] 80% LTV , rate 4.89%, product fee £0 ,cashback increasing from £250 to 350

[FO360269] 80% LTV , rate 4.48%, product fee £995 ,cashback increasing from £250 to 350

[FO360307] 80% LTV , rate 4.43%, product fee £1495 ,cashback increasing from £250 to 350

[FO360270] 85% LTV , rate 4.90%, product fee £0 ,cashback increasing from £250 to 350

[FO360334] 85% LTV , rate 4.48%, product fee £995 ,cashback increasing from £250 to 350

[FO360326] 85% LTV , rate 4.43%, product fee £1495 ,cashback increasing from £250 to 350

[FO360291] 90% LTV , rate 5.15%, product fee £0 ,cashback increasing from £250 to 350

[FO360264] 90% LTV , rate 4.84%, product fee £995 ,cashback increasing from £250 to 350

2 year tracker rate Remortgage

[TO360024] 60% LTV , rate 4.97%, product fee £0 ,cashback increasing from £250 to 350

[TO360067] 60% LTV , rate 4.60%, product fee £995 ,cashback increasing from £250 to 350

[TO360059] 75% LTV , rate 5.18%, product fee £0 ,cashback increasing from £250 to 350

[TO360058] 75% LTV , rate 4.81%, product fee £995 ,cashback increasing from £250 to 350

[TO360035] 80% LTV , rate 5.29%, product fee £0 ,cashback increasing from £250 to 350

[TO360068] 80% LTV , rate 4.94%, product fee £995 ,cashback increasing from £250 to 350

[TO360033] 85% LTV , rate 5.34%, product fee £0 ,cashback increasing from £250 to 350

[TO360064] 85% LTV , rate 4.99%, product fee £995 ,cashback increasing from £250 to 350

[TO360038] 90% LTV , rate 5.38%, product fee £0 ,cashback increasing from £250 to 350

[TO360040] 90% LTV , rate 5.18%, product fee £995 ,cashback increasing from £250 to 350

2 year fixed rate and tracker remortgages - high value

2 year fixed rate Remortgage

[FO360328] 60% LTV , rate 4.02%, product fee £995 ,cashback increasing from £250 to 350

[FO360309] 75% LTV , rate 4.24%, product fee £995 ,cashback increasing from £250 to 350

[FO360300] 80% LTV , rate 4.58%, product fee £995 ,cashback increasing from £250 to 350

[FO360297] 85% LTV , rate 4.58%, product fee £995 ,cashback increasing from £250 to 350

2 year tracker rate Remortgage

TO360025] 60% LTV , rate 4.75%, product fee £995 ,cashback increasing from £250 to 350

[TO360054] 75% LTV , rate 4.96%, product fee £995 ,cashback increasing from £250 to 350

[TO360028] 80% LTV , rate 5.04%, product fee £995 ,cashback increasing from £250 to 350

[TO360053] 85% LTV , rate 5.09%, product fee £995 ,cashback increasing from £250 to 35

5 year fixed rate remortgage

[FO360218] 60% LTV , rate 4.14%, product fee £0 ,cashback increasing from £250 to 350

[FO360360] 60% LTV , rate 3.95%, product fee £995 ,cashback increasing from £250 to 350

[FO360276] 60% LTV , rate 3.90%, product fee £1495 ,cashback increasing from £250 to 350

[FO360314] 75% LTV , rate 4.23%, product fee £0 ,cashback increasing from £250 to 350

[FO360338] 75% LTV , rate 4.07%, product fee £995 ,cashback increasing from £250 to 350

[FO360357] 75% LTV , rate 4.02%, product fee £1495 ,cashback increasing from £250 to 350

[FO360317] 80% LTV , rate 4.52%, product fee £0 ,cashback increasing from £250 to 350

[FO360347] 80% LTV , rate 4.28%, product fee £995 ,cashback increasing from £250 to 350

[FO360330] 80% LTV , rate 4.23%, product fee £1495 ,cashback increasing from £250 to 350

[FO360327] 85% LTV , rate 4.52%, product fee £0 ,cashback increasing from £250 to 350

[FO360359] 85% LTV , rate 4.29%, product fee £995 ,cashback increasing from £250 to 350

[FO360346] 85% LTV , rate 4.24%, product fee £1495 ,cashback increasing from £250 to 350

[FO360337] 90% LTV , rate 4.70%, product fee £0 ,cashback increasing from £250 to 350

[FO360311] 90% LTV , rate 4.47%, product fee £995 ,cashback increasing from £250 to 350

5 year fixed rate remortgage - high value

[FO360249] 60% LTV , rate 4.05%, product fee £995 ,cashback increasing from £250 to 350

[FO360262] 75% LTV , rate 4.17%, product fee £995 ,cashback increasing from £250 to 350

[FO360282] 80% LTV , rate 4.38%, product fee £995 ,cashback increasing from £250 to 350

[FO360331] 85% LTV , rate 4.39%, product fee £995 ,cashback increasing from £250 to 350

Shared equity

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

2 year fixed rate purchase

[FO360119] 60% LTV ,decreasing by 4bps from 4.24% to 4.20%, product fee £0 [FO360106] 60% LTV ,decreasing by 4bps from 4.01% to 3.97%, product fee £995 ,cashback £250

[FO360111] 75% LTV ,decreasing by 4bps from 4.39% to 4.35%, product fee £0 [FO360096] 75% LTV ,decreasing by 5bps from 4.15% to 4.10%, product fee £995 ,cashback £250

5 year fixed rate purchase

[FO360098] 60% LTV ,decreasing by 3bps from 4.23% to 4.20%, product fee £0 [FO360110] 60% LTV ,decreasing by 3bps from 4.11% to 4.08%, product fee £995 ,cashback £250

[FO360115] 75% LTV ,decreasing by 4bps from 4.37% to 4.33%, product fee £0 [FO360108] 75% LTV ,decreasing by 4bps from 4.24% to 4.20%, product fee £995 ,cashback £250

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 - cashback changes

5 year fixed rate remortgage - cashback changes

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 - rate and cashback changes

[FO360145] 65% LTV ,decreasing by 5bps from 4.08% to 4.03%, product fee £995

[FO360113] 75% LTV ,decreasing by 7bps from 4.37% to 4.30%, product fee £995

Green Buy to Let Remo No Free Legal

[FO360142] 65% LTV ,decreasing by 5bps from 4.08% to 4.03%, product fee £995 ,cashback increasing from £250 to 350

[FO360144] 75% LTV ,decreasing by 7bps from 4.37% to 4.30%, product fee £995 ,cashback increasing from £250 to 350

5 year fixed rate remortgage - cashback changes

[FO360141] 75% LTV ,decreasing by 10bps from 4.37% to 4.27%, product fee £995

Green Buy to Let Remo No Free Legal

Cashback Changes

[FO360257] 65% LTV , rate 4.03%, product fee £995 ,cashback increasing from £250 to 350

Rate Changes & Cashback Changes

[FO360128] 75% LTV ,decreasing by 10bps from 4.37% to 4.27%, product fee £995 ,cashback increasing from £250 to 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 - rate and cashback changes

[FO360139] 60% LTV ,decreasing by 5bps from 4.14% to 4.09%, product fee £995 [FO360146] 75% LTV ,decreasing by 4bps from 4.68% to 4.64%, product fee £0 [FO360123] 75% LTV ,decreasing by 7bps from 4.43% to 4.36%, product fee £99

Buy to Let Remo No Free Legal

Cashback Changes

[FO360315] 60% LTV , rate 4.53%, product fee £0 ,cashback increasing from £250 to 350

Rate Changes & Cashback Changes

[FO360099] 60% LTV ,decreasing by 5bps from 4.14% to 4.09%, product fee £995 ,cashback increasing from £250 to 350

[FO360148] 75% LTV ,decreasing by 4bps from 4.68% to 4.64%, product fee £0 ,cashback increasing from £250 to 350

[FO360114] 75% LTV ,decreasing by 7bps from 4.43% to 4.36%, product fee £995 ,cashback increasing from £250 to 350

5 year fixed rate remortgage - cashback changes

[FO360112] 75% LTV ,decreasing by 10bps from 4.43% to 4.33%, product fee £995

Buy to Let Remo No Free Legal

Cashback Changes

[FO360348] 60% LTV , rate 4.28%, product fee £0 ,cashback increasing from £250 to 350

[FO360355] 60% LTV , rate 4.09%, product fee £995 ,cashback increasing from £250 to 350

[FO360213] 75% LTV , rate 4.49%, product fee £0 ,cashback increasing from £250 to 350

Rate Changes & Cashback Changes

[FO360136] 75% LTV ,decreasing by 10bps from 4.43% to 4.33%, product fee £995 ,cashback increasing from £250 to 350

Changes to our New Business and Existing product range - 31st July

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 - cashback changes

2 year fixed rate and tracker remortgages

2 year fixed rate and tracker remortgages - high value

5 year fixed rate remortgage

5 year fixed rate remortgage - high value

Shared equity

2 year fixed rate purchase

5 year fixed rate purchase

Green

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage - cashback changes

5 year fixed rate remortgage - cashback changes

Green - Buy to Let

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage - rate and cashback changes

5 year fixed rate remortgage - cashback changes

Buy to Let

2 year fixed rate purchase

5 year fixed rate purchase

2 year fixed rate remortgage - rate and cashback changes

5 year fixed rate remortgage - cashback changes