Mortgage Rates Residential Mortgages

Our Mortgage Rates

Variable interest rates - new and existing customers

For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.10%3.17%
< 60%3.25%3.32%
< 70%3.30%3.37%
< 80%3.60%3.68%
< 90%3.90%3.99%
For buy to let properties
Loan to Value (LTV)Rate
Capital & Interest**
APRC*Rate
Interest only**
APRC*
< 50%4.40%4.77%4.50%4.87%
< 60%4.75%5.13%4.85%5.24%
< 70%4.75%5.13%4.85%5.24%
< 80%4.80%5.19%4.90%5.29%

*APRC = Annual Percentage Rate of Charge
**An interest-only period  is available for the first 5 years of the loan

Fixed interest rates - new customer

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.20%3.20%
< 60%3.20%3.31%
< 70%3.20%3.34%
< 80%3.20%3.56%
< 90%3.35%3.82%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.45%3.34%
< 60%3.45%3.42%
< 70%3.50%3.47%
< 80%3.50%3.63%
< 90%3.55%3.82%

*APRC = Annual Percentage Rate of Charge

Fixed interest rates - existing customers

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.30%3.23%
< 60%3.45%3.38%
< 70%3.50%3.43%
< 80%3.80%3.75%
< 90%4.10%4.06%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.45%3.34%
< 60%3.50%3.44%
< 70%3.55%3.49%
< 80%3.80%3.78%
< 90%4.15%4.12%

*APRC = Annual Percentage Rate of Charge

Variable interest rates - new and existing customers

For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.35%3.42%
< 60%3.60%3.68%
< 70%3.65%3.73%
< 80%3.95%4.04%
< 90%4.25%4.36%
For buy to let properties
Loan to Value (LTV)Rate
Capital & Interest**
APRC*Rate
Interest only**
APRC*
< 50%4.75%5.13%4.85%5.24%
< 60%5.00%5.40%5.10%5.51%
< 70%5.00%5.51%5.10%5.51%
< 80%5.25%5.66%5.35%5.77%

*APRC = Annual Percentage Rate of Charge
**An interest-only period  is available for the first 5 years of the loan

Fixed interest rates - new customer

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.35%3.42%
< 60%3.35%3.60%
< 70%3.35%3.64%
< 80%3.35%3.85%
< 90%3.50%4.12%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.60%3.55%
< 60%3.60%3.68%
< 70%3.70%3.76%
< 80%3.70%3.92%
< 90%3.80%4.13%

*APRC = Annual Percentage Rate of Charge

Fixed interest rates - existing customers

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.55%3.49%
< 60%3.80%3.75%
< 70%3.85%3.80%
< 80%4.15%4.11%
< 90%4.45%4.42%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.60%3.55%
< 60%3.85%3.80%
< 70%3.90%3.86%
< 80%4.20%4.17%
< 90%4.50%4.48%

*APRC = Annual Percentage Rate of Charge

Variable interest rates

For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.85%4.00%
< 60%4.45%4.63%
< 70%4.50%4.68%
< 80%5.05%5.25%
For buy to let properties
Loan to Value (LTV)RateAPRC*
< 50%5.65%5.09%
< 70%6.00%6.46%
< 80%6.25%6.73%

*APRC = Annual Percentage Rate of Charge

Fixed interest rates - new customer

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%3.90%4.02%
< 60%3.90%4.45%
< 70%3.95%4.50%
< 80%3.95%4.89%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%4.30%4.22%
< 60%4.30%4.55%
< 70%4.40%4.63%
< 80%4.40%4.92%

*APRC = Annual Percentage Rate of Charge

Fixed interest rates - existing customers

3 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%4.05%4.06%
< 60%4.65%4.69%
< 70%4.70%4.74%
< 80%5.25%5.32%
5 Year Fixed Rates
For your main home
Loan to Value (LTV)RateAPRC*
< 50%4.30%4.22%
< 60%4.70%4.75%
< 70%4.75%4.80%
< 80%5.30%5.38%

*APRC = Annual Percentage Rate of Charge

Regulatory Notices

Where a variable interest rate applies to the loan:

Warning: The cost of your monthly repayments may increase.

Where a fixed interest rate applies to a loan:

Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: If you do not keep up your repayments you may lose your home.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.