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
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
6.1% APRC
6.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Family Buy to Let 2 Year Discount
Representative Example
Family Buy to Let 2 Year Discount
Representative Example
Initial rate
5.84%
5.84%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Representative Example
5.10%
7.5% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.10%
5.10%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.25%
5.25%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
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
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
4.89%
4.89%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Representative Example
6.45%
7.7% APRC
70%
£0
Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
6.45%
6.45%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement 5 Year Fixed
Representative Example
Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.39%
5.39%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
70%
70%
Completion Fee
£999
£999
Product
Buy to Let 2 Year Fixed
Representative Example
Buy to Let 2 Year Fixed
Representative Example
Initial rate
4.89%
4.89%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Product
Family Buy to Let 5 Year Fixed
Representative Example
Family Buy to Let 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Prime Plus – Buy to Let 5 Year Fixed
Representative Example
Prime Plus – Buy to Let 5 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Prime Plus – 5 Year Fixed
Representative Example
Prime Plus – 5 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Discounted Market Value – 3 Year Fixed
Representative Example
Discounted Market Value – 3 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.15%
6.15%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Representative Example
6.25%
7.5% APRC
100%
£499
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
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
5.55%
5.55%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Large Loan/LTI 5 Year Fixed
Representative Example
Large Loan/LTI 5 Year Fixed
Representative Example
Initial rate
5.69%
5.69%
Overall cost for comparison
7.0% APRC
7.0% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Large Loan/LTI 2 Year Fixed
Representative Example
Large Loan/LTI 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
2 Year Fixed
Representative Example
2 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
4.99%
4.99%
Overall cost for comparison
7.0% APRC
7.0% APRC
Max% LTV
95%
95%
Completion Fee
£1499
£1499
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.60%
5.60%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
First Time Buyer Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Representative Example
6.45%
7.7% APRC
70%
£0
Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
6.45%
6.45%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
6.1% APRC
6.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Borrowing Into Retirement 5 Year Fixed
Representative Example
Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.39%
5.39%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
70%
70%
Completion Fee
£999
£999
Product
Prime Plus – 5 Year Fixed
Representative Example
Prime Plus – 5 Year Fixed
Representative Example
Initial rate
6.35%
6.35%
Overall cost for comparison
7.4% APRC
7.4% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
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
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.14%
6.14%
Overall cost for comparison
6.5% APRC
6.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Discounted Market Value – 3 Year Fixed
Representative Example
Discounted Market Value – 3 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.15%
6.15%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Representative Example
6.25%
7.5% APRC
100%
£499
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Representative Example
5.10%
7.5% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.10%
5.10%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.55%
5.55%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Large Loan/LTI 5 Year Fixed
Representative Example
Large Loan/LTI 5 Year Fixed
Representative Example
Initial rate
5.69%
5.69%
Overall cost for comparison
7.0% APRC
7.0% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Large Loan/LTI 2 Year Fixed
Representative Example
Large Loan/LTI 2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.25%
5.25%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
2 Year Fixed
Representative Example
2 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
4.99%
4.99%
Overall cost for comparison
7.0% APRC
7.0% APRC
Max% LTV
95%
95%
Completion Fee
£1499
£1499
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.60%
5.60%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Borrowing into Retirement Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Representative Example
6.45%
7.7% APRC
70%
£0
Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
6.45%
6.45%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
5.89%
5.89%
Overall cost for comparison
6.1% APRC
6.1% APRC
Max% LTV
70%
70%
Completion Fee
£499
£499
Product
Borrowing Into Retirement 5 Year Fixed
Representative Example
Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
5.39%
5.39%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
70%
70%
Completion Fee
£999
£999
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.15%
6.15%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Representative Example
6.25%
7.5% APRC
100%
£499
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Representative Example
5.10%
7.5% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.10%
5.10%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.55%
5.55%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
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
6.04%
6.04%
Overall cost for comparison
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.14%
6.14%
Overall cost for comparison
6.5% APRC
6.5% APRC
Max% LTV
100%
100%
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
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
4.89%
4.89%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Product
Buy to Let 2 Year Fixed
Representative Example
Buy to Let 2 Year Fixed
Representative Example
Initial rate
4.89%
4.89%
Overall cost for comparison
8.0% APRC
8.0% APRC
Max% LTV
80%
80%
Completion Fee
£5000
£5000
Product
Family Buy to Let 5 Year Fixed
Representative Example
Family Buy to Let 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Holiday Let 2 Year Fixed Rate
Representative Example
Holiday Let 2 Year Fixed Rate
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Prime Plus – Buy to Let 5 Year Fixed
Representative Example
Prime Plus – Buy to Let 5 Year Fixed
Representative Example
Initial rate
6.55%
6.55%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Family Buy to Let 2 Year Discount
Representative Example
Family Buy to Let 2 Year Discount
Representative Example
Initial rate
5.84%
5.84%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
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
6.04%
6.04%
Overall cost for comparison
6.3% APRC
6.3% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.14%
6.14%
Overall cost for comparison
6.5% APRC
6.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.15%
6.15%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Family Buy to Let Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Product
Family Buy to Let 5 Year Fixed
Representative Example
Family Buy to Let 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Family Buy to Let 2 Year Discount
Representative Example
Family Buy to Let 2 Year Discount
Representative Example
Initial rate
5.84%
5.84%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Joint Borrower Sole Proprietor Mortgages
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Representative Example
6.25%
7.5% APRC
100%
£499
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.25%
6.25%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Representative Example
5.10%
7.5% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.10%
5.10%
Overall cost for comparison
7.5% APRC
7.5% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.55%
5.55%
Overall cost for comparison
7.3% APRC
7.3% 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 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.60%
5.60%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0