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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.

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

Helpful Information

Fixed Rate Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
Shared Ownership 2 Year Fixed	3.65%	5.3% APRC	95%	£499	View Hide	for 24 months find out more
Representative example A Mortgage of £75,857.00, payable over 23 years and 10 months (286 months) initially on a fixed rate for 2 years (24 months) of 3.65% and then on our current standard variable rate of 5.34% for the remaining 21 years and 10 months (262 months) would require 24 monthly payments of £397.50 then 262 monthly payments of £464.12. The total amount payable would be £132,114.98 made up of the loan amount plus interest (£55,503.98) and a £499 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.
3 Year Fixed	2.19%	4.5% APRC	80%	£999	View Hide	for 36 months find out more
Representative example A mortgage of £151,565.00, payable over 19 years (228 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 (192 months) would require 36 monthly payments of £813.22 then 192 monthly payments of £1,020.96. The total amount payable would be £227,040.31 made up of the loan amount plus interest (£74,001.31) 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.
5 Year Fixed	2.59%	4.1% APRC	80%	£0	View Hide	for 60 months find out more
Representative example A mortgage of £151,565.00, payable over 19 years (228 months) initially on a fixed rate for 5 years (60 months) of 2.59% and then on our standard variable rate of 5.34% for the remaining 14 years (168 months) would require 60 monthly payments of £842.39 then 168 monthly payments of £1,003.84. The total amount payable would be £219,762.49 made up of the loan amount plus interest (£67,942.49) and £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.1% representative APRC.
Shared Ownership 5 Year Fixed	3.95%	4.9% APRC	95%	£0	View Hide	for 60 months find out more
Representative example A Mortgage of £75,857.00, payable over 23 years and 10 months (286 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 10 months (226 months) would require 60 monthly payments of £409.79 then 226 monthly payments of £458.44. The total amount payable would be £128,695.52 made up of the loan amount plus interest (£52,583.52) 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

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
Buy to Let 2 Year Discount	2.99%	5.1% APRC	80%	£999	View Hide	for 24 months find out more
Representative example A Mortgage of £177,263.00, payable over 15 years and 0 months (180 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 13 years and 0 months (156 months) would require 24 monthly payments of £441.68 then 156 monthly payments of £788.82. This is based on an interest-only repayment method. The total amount payable would be £312,603.94 made up of the loan amount plus interest (£134,086.94) and a £999.00 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	3.34%	4.8% APRC	80%	£499	View Hide	for 36 months find out more
Representative example A mortgage of £131,779.00 payable over 8 years and 9 months (105 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our standard variable rate of 5.34% for the remaining 5 years and 9 months (69 months) would require 36 monthly payments of £366.78 then 69 monthly payments of £586.42. This is based on an interest-only repayment method. The total amount payable would be £186,550.87 made up of the loan amount plus interest (£54,017.87) with a £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 4.8% representative APRC.
Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
Buy to Let 5 Year Fixed	3.09%	4.6% APRC	70%	£0	View Hide	for 60 months find out more
Representative example A Mortgage of £154,391.00, payable over 15 years and 3 months (183 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 3 months (123 months) would require 60 monthly payments of £397.56 then 123 monthly payments of £687.04. This is based on an interest-only repayment method. The total amount payable would be £263,420.00 made up of the loan amount plus interest (£108,774.00) with a £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.6% representative APRC.
Buy to Let 5 Year Fixed	3.29%	4.7% APRC	80%	£999	View Hide	for 60 months find out more
Representative example A Mortgage of £167,793.00, payable over 15 years and 5 months (185 months) initially on a fixed rate for 5 years (60 months) of 3.29% and then on our standard variable rate of 5.34% for the remaining 10 years and 5 months (125 months) would require 60 monthly payments of £460.05 then 125 monthly payments of £746.68. This is based on an interest-only repayment method. The total amount payable would be £290,455.46 made up of the loan amount plus interest (£121,408.46) with 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 4.7% representative APRC.

Borrowing into Retirement Mortgages

Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
2 Year Discount Borrowing into Retirement	2.79%	5.0% APRC	60%	£0	View Hide	for 24 months find out more
Representative example A Mortgage of £100,738.00, payable over 14 years and 1 months (169 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 12 years and 1 months (145 months) would require 24 monthly payments of £234.22 then 145 monthly payments of £448.28. This is based on an interest-only repayment method. The total amount payable would be £171,838.24 made up of the loan amount plus interest (£70,845.24) 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.
Term Discount Borrowing Into Retirement	3.09%	3.2% APRC	60%	£0	View Hide	for 420 months find out more
Representative example A Mortgage of £100,738.00, payable over 14 years and 1 months (169 months) on a discounted rate for the term of the mortgage with a pay rate of 3.09% would require monthly payments of £259.40. This is based on an interest-only repayment method. The total amount payable would be £145,086.61 made up of the loan amount plus interest (£44,093.61) and a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 3.2% representative APRC.
Product	Initial rate	Overall cost for comparison	Max % LTV	Completion fee	Representative Example	Mortgage repayment
3 Year Fixed Borrowing Into Retirement	3.19%	4.9% APRC	60%	£0	View Hide	for 36 months find out more
Representative example A Mortgage of £118,204.00, payable over 13 years and 11 months (167 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 10 years and 11 months (131 months) would require 36 monthly payments of £314.23 then 131 monthly payments of £526.01. This is based on an interest-only repayment method. The total amount payable would be £198,976.40 made up of the loan amount plus interest (£80,517.40) 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.