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 our handy Products at a Glance document
Variable Rate Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Family Deposit Mortgage 2 Year Discount
Representative Example
Family Deposit Mortgage 2 Year Discount
Representative Example
Initial rate
6.09%
6.09%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
6.05%
6.05%
Overall cost for comparison
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£999
£999
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Fixed Rate Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Buy to Let 2 Year Fixed
Representative Example
Buy to Let 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Discounted Market Value – 2 Year Fixed
Representative Example
Discounted Market Value – 2 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Product
Discounted Market Value – 5 Year Fixed
Representative Example
Discounted Market Value – 5 Year Fixed
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
4.99%
4.99%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Product
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Credit Repair (Tier 4) – 2 Year Fixed
Representative Example
Credit Repair (Tier 4) – 2 Year Fixed
Representative Example
Initial rate
6.99%
6.99%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example
Initial rate
6.50%
6.50%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Near Prime (Tier 2) – 2 Year Fixed
Representative Example
Near Prime (Tier 2) – 2 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.10%
6.10%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
First Time Buyer Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
6.7% APRC
6.7% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Discounted Market Value – 2 Year Fixed
Representative Example
Discounted Market Value – 2 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Product
Discounted Market Value – 5 Year Fixed
Representative Example
Discounted Market Value – 5 Year Fixed
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Product
Family Deposit Mortgage 2 Year Discount
Representative Example
Family Deposit Mortgage 2 Year Discount
Representative Example
Initial rate
6.09%
6.09%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
6.05%
6.05%
Overall cost for comparison
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£999
£999
Product
Credit Repair (Tier 4) – 2 Year Fixed
Representative Example
Credit Repair (Tier 4) – 2 Year Fixed
Representative Example
Initial rate
6.99%
6.99%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example
Initial rate
6.50%
6.50%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Near Prime (Tier 2) – 2 Year Fixed
Representative Example
Near Prime (Tier 2) – 2 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.04%
6.04%
Overall cost for comparison
6.4% APRC
6.4% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£499
£499
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.10%
6.10%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Borrowing into Retirement Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Family Deposit Mortgage 2 Year Discount
Representative Example
Family Deposit Mortgage 2 Year Discount
Representative Example
Initial rate
6.09%
6.09%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
6.05%
6.05%
Overall cost for comparison
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£999
£999
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Buy for Uni Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
6.7% APRC
6.7% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.04%
6.04%
Overall cost for comparison
6.4% APRC
6.4% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Buy To Let Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Buy to Let 2 Year Fixed
Representative Example
Buy to Let 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
4.99%
4.99%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Family Assist Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
6.7% APRC
6.7% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Family Deposit Mortgage 2 Year Discount
Representative Example
Family Deposit Mortgage 2 Year Discount
Representative Example
Initial rate
6.09%
6.09%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.04%
6.04%
Overall cost for comparison
6.4% APRC
6.4% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.99%
5.99%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.10%
6.10%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
7.15%
8.2% APRC
70%
£499
Product
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
7.15%
7.15%
Overall cost for comparison
8.2% APRC
8.2% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.55%
8.1% APRC
70%
£499
Product
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Representative Example
6.35%
8.0% APRC
80%
£499
Product
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499