Our Mortgage Rates
Variable interest rates - new and existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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) | Rate | APRC* |
|---|---|---|
| < 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.