Follow on rates are linked to our Standard Variable Rate, and will rise and fall in line with changes to it.
Transferring your mortgage
If the deal you're on now is ending in the next four months - or if you're on a variable rate - you can arrange to transfer your mortgage now. No need for payslips, proof of ID, or application forms.
Green additional borrowing
Benefit from a lower rate when you borrow more and spend at least half on eligible energy efficiency improvements. Maximum additional borrowing is 25k.
Your home may be repossessed if you do not keep up repayments on your mortgage
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Your home may be repossessed if you do not keep up repayments on your mortgage
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The rate at which your mortgage interest payments are calculated.
The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes (e.g. Standard Variable Rate (SVR)).
This is the fee charged on some of our mortgage products.
This shows only what you’ll pay each month during your initial deal period. It doesn’t take into account any fees or charges if you make changes to your mortgage. Please note this is only an estimate.
4.78% Fixed to 31.08.30
Information
Max loan to value: 90%
Early repayment charge: Yes
4.28% Fixed to 31.08.28
Information
Max loan to value: 65%
Early repayment charge: Yes
4.32% Fixed to 31.08.30
Information
Max loan to value: 75%
Early repayment charge: Yes
4.78% Fixed to 31.08.27
Information
Max loan to value: 85%
Early repayment charge: Yes
5.48% Fixed to 31.08.28
Information
Max loan to value: 95%
Early repayment charge: Yes
4.69% Fixed to 31.08.28
Information
Max loan to value: 75%
Early repayment charge: Yes
Bank Base Rate Flexx Tracker +0.55% to 31.08.27
Information
Max loan to value: 65%
Early repayment charge: No
4.74% Fixed to 31.08.30
Information
Max loan to value: 85%
Early repayment charge: Yes
5.29% Fixed to 31.08.30
Information
Max loan to value: 95%
Early repayment charge: Yes
4.23% Fixed to 31.08.30
Information
Max loan to value: 65%
Early repayment charge: Yes
4.71% Fixed to 31.08.27
Information
Max loan to value: 80%
Early repayment charge: Yes
5.36% Fixed to 31.08.28
Information
Max loan to value: 90%
Early repayment charge: Yes
4.67% Fixed to 31.08.30
Information
Max loan to value: 80%
Early repayment charge: Yes
4.95% Fixed to 31.08.27
Information
Max loan to value: 80%
Early repayment charge: Yes
5.27% Fixed to 31.08.28
Information
Max loan to value: 95%
Early repayment charge: Yes
4.73% Fixed to 31.08.28
Information
Max loan to value: 85%
Early repayment charge: Yes
4.42% Fixed to 31.08.27
Information
Max loan to value: 75%
Early repayment charge: Yes
4.60% Fixed to 31.08.30
Information
Max loan to value: 85%
Early repayment charge: Yes
5.32% Fixed to 31.08.27
Information
Max loan to value: 95%
Early repayment charge: Yes
4.93% Fixed to 31.08.30
Information
Max loan to value: 90%
Early repayment charge: Yes
5.04% Fixed to 31.08.27
Information
Max loan to value: 85%
Early repayment charge: Yes
4.99% Fixed to 31.08.28
Information
Max loan to value: 85%
Early repayment charge: Yes
4.50% Fixed to 31.08.30
Information
Max loan to value: 75%
Early repayment charge: Yes
4.77% Fixed to 31.08.27
Information
Max loan to value: 75%
Early repayment charge: Yes
4.59% Fixed to 31.08.28
Information
Max loan to value: 65%
Early repayment charge: Yes
5.60% Fixed to 31.08.27
Information
Max loan to value: 95%
Early repayment charge: Yes
4.96% Fixed to 31.08.28
Information
Max loan to value: 90%
Early repayment charge: Yes
5.18% Fixed to 31.08.30
Information
Max loan to value: 95%
Early repayment charge: Yes
Bank Base Rate Flexx Tracker +0.70% to 30.06.27
Information
Max loan to value: 75%
Early repayment charge: No
4.66% Fixed to 31.08.28
Information
Max loan to value: 80%
Early repayment charge: Yes
4.55% Fixed to 31.08.30
Information
Max loan to value: 80%
Early repayment charge: Yes
5.01% Fixed to 31.08.27
Information
Max loan to value: 90%
Early repayment charge: Yes
4.33% Fixed to 31.08.27
Information
Max loan to value: 65%
Early repayment charge: Yes
4.37% Fixed to 31.08.28
Information
Max loan to value: 75%
Early repayment charge: Yes
4.89% Fixed to 31.08.28
Information
Max loan to value: 80%
Early repayment charge: Yes
4.42% Fixed to 31.08.30
Information
Max loan to value: 65%
Early repayment charge: Yes
5.41% Fixed to 31.08.27
Information
Max loan to value: 90%
Early repayment charge: Yes
4.70% Fixed to 31.08.27
Information
Max loan to value: 65%
Early repayment charge: Yes
Overall cost of a mortgage
To help understand the typical cost of this mortgage, please see the representative example below.
Representative example - (This is not an illustration and should only be used as an example)
A mortgage of £105,721.00 starting on 01.11.24 payable over 14 years on an initial fixed rate of 4.79% to 30.04.28, then reverting to our standard variable rate currently at 7.24% for the remainder of the mortgage. This would require 41 monthly payments of £866.76 and 125 monthly payments of £977.12, plus one initial interest payment of £415.97.
The total amount payable would be £158,093.13 made up of the loan amount plus interest of £51,920.13, a valuation fee of £218.00 and a funds transfer fee of £8.00.
The overall cost for comparison is 6.3% APRC representative.
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