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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.

Helpful Information

Variable Rate Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
Shared Ownership 2 Year Discount	2.99%	4.9% APRC	95%	£0	View Hide	for 24 months find out more
Representative example A Mortgage of £139,956.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £859.89 then 185 monthly payments of £1,011.46. The total amount payable would be £208,311.52 made up of the loan amount plus interest (£68,100.52) with 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.
Specialist Self Employed 3 Year Discount	2.99%	4.8% APRC	80%	£999	View Hide	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 2.99% 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 £857.31 then 172 monthly payments of £998.30. The total amount payable would be £204,167.59 made up of the loan amount plus interest (£63,887.59) 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 4.8% representative APRC.
Family Buy to Let 3 Year Discount	3.20%	5.0% APRC	80%	£999	View Hide	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.
Shared Ownership 3 Year Discount	3.14%	4.7% APRC	95%	£0	View Hide	for 36 months find out more
Representative example A Mortgage of £139,956.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 3.14% and then on our current standard variable rate of 5.34% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £870.22 then 173 monthly payments of £1,003.95. The total amount payable would be £205,589.24 made up of the loan amount plus interest (£65,378.24) with a £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.

Fixed Rate Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
2 Year Fixed	2.39%	4.9% APRC	90%	£250	View Hide	for 24 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 2 years (24 months) of 2.39% and then on our standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 24 monthly payments of £893.92 then 233 monthly payments of £1,149.50. The total amount payable would be £290,130.90 made up of the loan amount plus interest (£109,951.90) with a £250.00 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.
Shared Ownership 2 Year Fixed	3.69%	5.2% APRC	95%	£0	View Hide	for 24 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 2 years (24 months) of 3.69% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 24 monthly payments of £1,012.40 then 233 monthly payments of £1,161.45. The total amount payable would be £295,699.13 made up of the loan amount plus interest (£115,770.13) and a £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.
2 Year Fixed	2.79%	5.1% APRC	95%	£999	View Hide	for 24 months find out more
Representative example A Mortgage of £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 2 years (24 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 20 years and 5 months (245 months) would require 24 monthly payments of £821.32 then 245 monthly payments of £1,028.69. The total amount payable would be £273,554.75 made up of the loan amount plus interest (£107,966.75) 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.
3 Year Fixed	1.79%	4.5% APRC	75%	£999	View Hide	for 36 months find out more
Representative example A Mortgage of £500,000.00, payable over 25 years (300 months) initially on a fixed rate for 3 years (36 months) of 1.79% and then on our current standard variable rate of 5.34% for the remaining 22 years (264 months) would require 36 monthly payments of £2,068.52 then 264 monthly payments of £2,908.07. The total amount payable would be £844,614.02 made up of the loan amount plus interest (£342,840.02) and a £520.00 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 4.5% representative APRC.
Specialist Self Employed 3 Year Fixed	3.39%	5.0% APRC	80%	£999	View Hide	for 36 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 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 18 years and 5 months (221 months) would require 36 monthly payments of £984.30 then 221 monthly payments of £1,150.56. The total amount payable would be £291,464.95 made up of the loan amount plus interest (£110,536.95) 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 5.0% representative APRC.
3 Year Fixed	3.09%	4.9% APRC	90%	£999	View Hide	for 36 months find out more
Representative example A Mortgage of £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 3 years (36 months) of 3.09% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 36 monthly payments of £846.34 then 233 monthly payments of £1,022.74. The total amount payable would be £270,639.00 made up of the loan amount plus interest (£105,051.00) 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 4.9% representative APRC.
Shared Ownership 3 Year Fixed	3.94%	5.1% APRC	95%	£0	View Hide	for 36 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 3.94% and then on our current standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £1,036.17 then 221 monthly payments of £1,157.79. The total amount payable would be £294,012.90 made up of the loan amount plus interest (£114,083.90) 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.
3 Year Fixed	3.19%	4.9% APRC	95%	£499	View Hide	for 36 months find out more
Representative example A Mortgage of £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 3 years (36 months) of 3.19% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 36 monthly payments of £854.78 then 233 monthly payments of £1,023.94. The total amount payable would be £270,736.66 made up of the loan amount plus interest (£105,648.66) and a £220.00 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.

Self-Build Mortgages

Product

Initial rate

Overall cost for
comparison

Max % LTV

Completion fee

Representative
Example

Mortgage
repayment

2 Year Discount

for 24 months

find out more

Buy To Let Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
2 Year Discount	2.59%	5.1% APRC	80%	£1499	View Hide	for 24 months find out more
Representative example A Mortgage of £174,848.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 2.59% and then on our current standard variable rate of 5.34% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £377.38 then 185 monthly payments of £778.07. This is based on an interest-only repayment method. The total amount payable would be £330,249.69 made up of the loan amount plus interest (£153,357.69) and a £290.00 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 Hide	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
3 Year Fixed	3.09%	5.0% APRC	80%	£999	View Hide	for 36 months find out more
Representative example A Mortgage of £122,585.00, payable over 16 years and 7 months (199 months) initially on a fixed rate for 3 years (36 months) of 3.09% and then on our standard variable rate of 5.34% for the remaining 13 years and 7 months (163 months) would require 36 monthly payments of £315.66 then 163 monthly payments of £545.50. This is based on an interest-only repayment method. The total amount payable would be £224,615.38 made up of the loan amount plus interest (£100,576.38) with a £999.00 completion fee, £200.00 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.
5 Year Fixed	3.39%	4.8% APRC	80%	£999	View Hide	for 60 months find out more
Representative example A Mortgage of £122,585.00, payable over 16 years and 7 months (199 months) initially on a fixed rate for 5 years (60 months) of 3.39% and then on our standard variable rate of 5.34% for the remaining 11 years and 7 months (139 months) would require 60 monthly payments of £346.30 then 139 monthly payments of £545.50. This is based on an interest-only repayment method. The total amount payable would be £220,967.64 made up of the loan amount plus interest (£96,928.64) with a £999.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

Borrowing into Retirement Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
3 Year Discount	3.14%	4.4% APRC	60%	£499	View Hide	for 36 months find out more
Representative example A Mortgage of £220,667.00, payable over 9 years and 5 months (113 months) initially on a discounted rate for 3 years (36 months) of 3.14% and then on our current standard variable rate of 5.34% for the remaining 6 years and 5 months (77 months) would require 36 monthly payments of £2,258.25 then 77 monthly payments of £2,417.36. The total amount payable would be £269,018.99 made up of the loan amount plus interest (£47,337.99) and a £260.00 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 4.4% representative APRC.
Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
3 Year Fixed	3.39%	4.9% APRC	60%	£	View Hide	for 36 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 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 18 years and 5 months (221 months) would require 36 monthly payments of £984.30 then 221 monthly payments of £1,150.56. The total amount payable would be £290,755.95 made up of the loan amount plus interest (£110,536.95) 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 4.9% 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 Hide	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.
Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
3 Year Fixed	3.69%	5.0% APRC	100%	£499	View Hide	for 36 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 3.69% and then on our current standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £1,012.40 then 221 monthly payments of £1,154.54. The total amount payable would be £293,101.11 made up of the loan amount plus interest (£112,473.11) 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 5.0% representative APRC.
5 Year Fixed	3.99%	4.9% APRC	100%	£499	View Hide	for 60 months find out more
Representative example A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 5 years (60 months) of 3.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 5 months (197 months) would require 60 monthly payments of £1,040.96 then 197 monthly payments of £1,147.03. The total amount payable would be £289,968.92 made up of the loan amount plus interest (£109,340.92) 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