Products for Intermediaries

Whether your client is looking to buy a home for the first time or making changes in later life, our range of mortgage products for Intermediaries could help you find the right solution for them.

All the products are listed below and you can also download a handy 'At a Glance' document here.

Variable Rate Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

2.45% 4.9% APRC 85% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 2 years (24 months) of 2.45% and then on our current standard variable rate of 5.34% for the remaining 15 years and 7 months (187 months) would require 24 monthly payments of £1,406.17 then 187 monthly payments of £1,722.94. The total amount payable would be £358,035.76 made up of the loan amount plus interest (£115,626.76) with a £999.00 completion fee, £290.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.9% representative APRC.

2 Year Discount

1.99% 4.8% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £237,564.00, payable over 18 years and 8 months (224 months) initially on a discounted rate for 2 years (24 months) of 1.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 8 months (200 months) would require 24 monthly payments of £1,270.57 then 200 monthly payments of £1,634.12. The total amount payable would be £359,150.38 made up of the loan amount plus interest (£120,112.38) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

2 Year Discount

2.39% 4.8% APRC 90% £0 View
for 24 months
find out more

Representative example

A Mortgage of  £237,564.00, payable over 18 years and 8 months (224 months) initially on a discounted rate for 2 years (24 months) of 2.39% and then on our current standard variable rate of 5.34% for the remaining 16 years and 8 months (200 months) would require 24 monthly payments of £1,316.70 then 200 monthly payments of £1,639.81. The total amount payable would be £360,235.61 made up of the loan amount plus interest (£122,416.61) with a free valuation, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

Shared Ownership 2 Year Discount

2.49% 5.0% APRC 95% £0 View
for 24 months
find out more

Representative example

A Mortgage of £93,338.00, payable over 27 years and 1 months (325 months) initially on a discounted rate for 2 years (24 months) of 2.49% and then on our current standard variable rate of 5.34% for the remaining 25 years and 1 months (301 months) would require 24 monthly payments of £395.12 then 301 monthly payments of £533.51. The total amount payable would be £170,533.58 made up of the loan amount plus interest (£76,940.58) with a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Family Buy to Let 3 Year Discount

3.20% 5.0% APRC 80% £999 View
for 36 months
find out more

Representative example

A mortgage of £171,448.00 payable over 17 years and 3 months (207 months) initially on a discounted rate for 3 years (36 months) of 3.20% and then on our standard variable rate of 5.34% for the remaining 14 years and 3 months (171 months) would require 36 monthly payments of £457.19 then 171 monthly payments of £762.94. This is based on an interest-only repayment method. The total amount payable would be £320,318.64 made up of the loan amount plus interest (£147,356.64) with a £999.00 completion fee, £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Specialist Self Employed 3 Year Discount

2.39% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 3 years (36 months) of 2.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 7 months (175 months) would require 36 monthly payments of £1,399.27 then 175 monthly payments of £1,701.70. The total amount payable would be £349,962.57 made up of the loan amount plus interest (£107,843.57) with a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.5% representative APRC.

Second/Holiday Home 3 Year Discount

2.49% 4.6% APRC 80% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £237,564.00, payable over 18 years and 8 months (224 months) initially on a discounted rate for 3 years (36 months) of 2.49% and then on our current standard variable rate of 5.34% for the remaining 15 years and 8 months (188 months) would require 36 monthly payments of £1,327.13 then 188 monthly payments of £1,622.84. The total amount payable would be £354,310.66 made up of the loan amount plus interest (£115,772.66) with a £499.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.6% representative APRC.

Fixed Rate Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Fixed

3.09% 5.1% APRC 95% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £164,459.00, payable over 20 years (240 months) initially on a fixed rate for 2 years (24 months) of 3.09% and then on our current standard variable rate of 5.34% for the remaining 18 years (216 months) would require 24 monthly payments of £919.51 then 216 monthly payments of £1,098.14. The total amount payable would be £261,183.15 made up of the loan amount plus interest (£95,250.15) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

Shared Ownership 2 Year Fixed

3.19% 5.1% APRC 95% £0 View
for 24 months
find out more

Representative example

A Mortgage of  £102,719.00, payable over 23 years and 11 months (287 months) initially on a fixed rate for 2 years (24 months) of 3.19% and then on our current standard variable rate of 5.34% for the remaining 21 years and 11 months (263 months) would require 24 monthly payments of £512.08 then 263 monthly payments of £625.28. The total amount payable would be £177,247.45 made up of the loan amount plus interest (£74,273.45) and a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

Specialist Self Employed 3 Year Fixed

2.79% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of £173,383.00, payable over 20 years and 4 months (244 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 17 years and 4 months (208 months) would require 36 monthly payments of £931.90 then 208 monthly payments of £1,133.40. The total amount payable would be £271,002.71 made up of the loan amount plus interest (£96,365.71) and a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

3 Year Fixed

2.19% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,384.00, payable over 19 years and 2 months (230 months) initially on a fixed rate for 3 years (36 months) of 2.19% and then on our standard variable rate of 5.34% for the remaining 16 years and 2 months (194 months) would require 36 monthly payments of £865.16 then 194 monthly payments of £1,088.49. The total amount payable would be £244,080.61 made up of the loan amount plus interest (£80,222.61) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.5% representative APRC.

Second/Holiday Home 3 Year Fixed

2.99% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,384.00, payable over 19 years and 2 months (230 months) initially on a fixed rate for 3 years (36 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 2 months (194 months) would require 36 monthly payments of £928.39 then 194 monthly payments of £1,099.61. The total amount payable would be £248,621.99 made up of the loan amount plus interest (£84,763.99) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

3 Year Fixed

2.79% 4.8% APRC 90% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £164,459.00, payable over 20 years (240 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 17 years (204 months) would require 36 monthly payments of £894.89 then 204 monthly payments of £1,084.83. The total amount payable would be £255,395.22 made up of the loan amount plus interest (£89,462.22) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.  

Shared Ownership 3 Year Fixed

3.59% 5.0% APRC 95% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £102,719.00, payable over 23 years and 11 months (287 months) initially on a fixed rate for 3 years (36 months) of 3.59% and then on our current standard variable rate of 5.34% for the remaining 20 years and 11 months (251 months) would require 36 monthly payments of £533.78 then 251 monthly payments of £623.37. The total amount payable would be £176,229.52 made up of the loan amount plus interest (£73,255.52) and a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Shared Ownership 5 Year Fixed

3.95% 4.9% APRC 95% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £102,719.00, payable over 23 years and 11 months (287 months) initially on a fixed rate for 5 years (60 months) of 3.95% and then on our current standard variable rate of 5.34% for the remaining 18 years and 11 months (227 months) would require 60 monthly payments of £553.74 then 227 monthly payments of £619.78. The total amount payable would be £174,487.10 made up of the loan amount plus interest (£71,513.10) and a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Self-Build Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

4.39% 5.5% APRC 80% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £90,026.00 payable over 18 years and 5 months (221 months) initially on a discounted rate for 2 years (24 months) of 4.39% and then on our current standard variable rate of 5.34% for the remaining 16 years and 5 months (197 months) would require 24 monthly payments of £594.69 then 197 monthly payments of £636.44. The total amount payable would be £141,395.48 made up of the loan amount plus interest (£49,945.48) and a £170.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.5% representative APRC.

Buy To Let Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

2.39% 5.1% APRC 80% £1499 View
for 24 months
find out more

Representative example

A Mortgage of  £163,027.00, payable over 16 years and 6 months (198 months) initially on a discounted rate for 2 years (24 months) of 2.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 6 months (174 months) would require 24 monthly payments of £324.70 then 174 monthly payments of £725.47. This is based on an interest-only repayment method.  The total amount payable would be £299,433.00 made up of the loan amount plus interest (£134,392.00) and a £260.00 valuation fee, £1499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage administration exit fee. The overall cost for comparison is 5.1% representative APRC.

Family Buy to Let 3 Year Discount

3.20% 5.0% APRC 80% £999 View
for 36 months
find out more

Representative example

A mortgage of £171,448.00 payable over 17 years and 3 months (207 months) initially on a discounted rate for 3 years (36 months) of 3.20% and then on our standard variable rate of 5.34% for the remaining 14 years and 3 months (171 months) would require 36 monthly payments of £457.19 then 171 monthly payments of £762.94. This is based on an interest-only repayment method. The total amount payable would be £320,318.64 made up of the loan amount plus interest (£147,356.64) with a £999.00 completion fee, £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

5 Year Fixed

3.09% 4.7% APRC 80% £1499 View
for 60 months
find out more

Representative example

A Mortgage of  £134,866.00, payable over 15 years and 9 months (189 months) initially on a fixed rate for 5 years (60 months) of 3.09% and then on our standard variable rate of 5.34% for the remaining 10 years and 9 months (129 months) would require 60 monthly payments of £347.28 then 129 monthly payments of £600.15. This is based on an interest-only repayment method. The total amount payable would be £235,533.62 made up of the loan amount plus interest (£98,653.62) with a £1,499.00 completion fee, £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.7% representative APRC.

Borrowing into Retirement Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

2.79% 4.8% APRC 60% £0 View
for 24 months
find out more

Representative example

A Mortgage of  £148,215.00, payable over 9 years and 2 months (110 months) initially on a discounted rate for 2 years (24 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 7 years and 2 months (86 months) would require 24 monthly payments of £344.60 then 86 monthly payments of £659.56. This is based on an interest-only repayment method. The total amount payable would be £213,810.72 made up of the loan amount plus interest (£65,340.72) and a £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

Term Discount

2.99% 3.1% APRC 60% £0 View
for 300 months
find out more

Representative example

A Mortgage of  £130,243.00, payable over 9 years and 8 months (116 months) on a discounted rate for the term of the mortgage with a pay rate of 2.99% would require monthly payments of £324.52. This is based on an interest-only repayment method. The total amount payable would be £168,775.10 made up of the loan amount plus interest (£37,987.10) and a £30.00 CHAPS fee, £105.00 legal fees, £290.00 valuation fee and £120.00 mortgage exit administration fee. The overall cost for comparison is 3.1% representative APRC.

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Fixed

3.39% 5.1% APRC 60% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £89,000.00, payable over 17 years and 3 months (207 months) initially on a fixed rate for 3 years (36 months) of 3.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 3 months (171 months) would require 36 monthly payments of £251.43 then 171 monthly payments of £396.05 on an interest only basis. The total amount payable would be £166,601.48 made up of the loan amount plus interest (£77,056.48) and a £290.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

Buy for Uni Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

4.44% 5.2% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,896.00, payable over 5 years (60 months) initially on a discounted rate for 3 years (36 months) of 4.44%  and then on our current standard variable rate of 5.34% for the remaining 2 years (24 months) would require 36 monthly payments of £602.72 then 24 monthly payments of £724.89.  This is based on an interest-only repayment method.  The total amount payable would be £204,068.85 made up of the loan amount plus interest (£39,698.85) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.2% representative APRC.

3 Year Discount

4.84% 5.4% APRC 100% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,896.00, payable over 5 years (60 months) initially on a discounted rate for 3 years (36 months) of 4.84%  and then on our current standard variable rate of 5.34% for the remaining 2 years (24 months) would require 36 monthly payments of £657.01 then 24 monthly payments of £724.89.  This is based on an interest-only repayment method.  The total amount payable would be £206,077.81 made up of the loan amount plus interest (£41,707.81) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.4% representative APRC.

5 Year Discount

4.44% 4.8% APRC 80% £999 View
for 60 months
find out more

Representative example

A Mortgage of £162,896.00, payable over 5 years (60 months) on a discounted rate for 5 years (60 months) of 4.44% would require 60 monthly payments of £602.72.  This is based on an interest-only repayment method.  The total amount payable would be £201,135.57 made up of the loan amount plus interest (£36,765.57) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

5 Year Discount

4.84% 5.3% APRC 100% £999 View
for 60 months
find out more

Representative example

A Mortgage of  £162,896.00, payable over 5 years (60 months) initially on a discounted rate for 5 years (60 months) of 4.84% would require 60 monthly payments of £657.01. This is based on an interest-only repayment method.  The total amount payable would be £204,448.19 made up of the loan amount plus interest (£40,078.19) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.3% representative APRC.

First time buyer Family Deposit Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

3.34% 4.9% APRC 100% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £881.34 then 172 monthly payments of £1,002.67. The total amount payable would be £205,525.91 made up of the loan amount plus interest (£65,545.91) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Fresh Start Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

3.34% 4.9% APRC 100% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £881.34 then 172 monthly payments of £1,002.67. The total amount payable would be £205,525.91 made up of the loan amount plus interest (£65,545.91) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.