Products

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Consumer Duty

Our fair value statements for each of our products can be found on each individual product page.

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Our Product Switch range can be found by clicking here.


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(F424) 3 year 4.69% Fixed until 31.08.2027

Initial rate

4.69%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.40% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£499

Early repayment charge

Yes

(F420) 5 year 4.49% Fixed until 31.08.2029

Initial rate

4.49%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.80% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

(F422) 5 year 4.94% Fixed until 31.08.2029

Initial rate

4.94%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.00% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(F423) 5 year 5.24% Fixed until 31.08.2029

Initial rate

5.24%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.10% APRC

Maximum loan to value (LTV)

95%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(F421) 5 year 4.69% Fixed until 31.08.2029

Initial rate

4.69%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.80% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(D157) 2 Year 2.40% Discount

Initial rate

5.70%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.90% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

£499

Early repayment charge

Yes

(D158) 3 Year 2.45% Discount

Initial rate

5.65%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.60% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Fees

£499

Early repayment charge

Yes

(LD03) 1.65% Lifetime Discount

Initial rate

6.45%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.70% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

0.30%*

Early repayment charge

Yes

* of the loan amount

(DH01) 2.70% Lifetime Discount Head Start

Initial rate

5.40%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

5.60% APRC

Maximum loan to value (LTV)

100%

Incentives

None

Fees

No fee

Early repayment charge

Yes

(LT26) 5 Year 2.51% Discount RIO

Initial rate

5.59%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.60% APRC

Maximum loan to value (LTV)

50%

Incentives

None

Fees

£499

Early repayment charge

Yes

(BT55) 3 year 5.90% Fixed to 30.06.2027 Buy to Let Personal Applicant

Initial rate

5.90%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.80% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(BT53) 5 year 5.45% Fixed to 30.06.2029 Buy to Let Personal Applicant

Initial rate

5.45%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.30% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(BT56) 3 year 6.19% Fixed until 30.06.2027 Buy to Let Limited Company

Initial rate

6.19%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

8.00% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(BT54) 5 year 5.90% Fixed until 30.06.2029 Buy to Let Limited Company

Initial rate

5.90%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.60% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(BL03) 1.35% Lifetime Discount Standard Buy to Let

Initial rate

6.75%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.10% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(BC03) 1.20% Lifetime Discount Limited Company Buy to Let

Initial rate

6.90%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.20% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(HB28) 3 year 5.99% Fixed until 30.06.2027 Holiday Let Personal Applicant

Initial rate

5.99%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.90% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(HB26) 5 year 5.75% Fixed to 30.06.2029 Holiday Let Personal Applicant

Initial rate

5.75%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.50% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(HB29) 3 year 6.29% Fixed until 30.06.2027 Holiday Let Limited Company

Initial rate

6.29%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

8.00% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(HB27) 5 year 6.29% Fixed until 30.06.2029 Holiday Let Limited Company

Initial rate

6.29%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.70% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,500

Early repayment charge

Yes

(HL02) 1.35% Lifetime Discount Holiday BTL (Personal Applicant)

Initial rate

6.75%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.00% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(HC02) 1.20% Lifetime Discount Holiday BTL (Limited Company)

Initial rate

6.90%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.20% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Fees

£1,499

Early repayment charge

Yes

(SB08) 2 Year 1.21% Discount Self-Build

Initial rate

6.89%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

8.30% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(LT36) 5 year 4.89% Fixed until 30.06.2029 RIO

Initial rate

4.89%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.20% APRC

Maximum loan to value (LTV)

50%

Incentives

Yes

Fees

No fee

Early repayment charge

Yes

(BU07) 5 Year 2.01% Discount Buy for Uni

Initial rate

6.09%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.40% APRC

Maximum loan to value (LTV)

100%

Incentives

Yes

Fees

£599

Early repayment charge

None

(LT32) 5 Year 2.51% Discount RIO Further Advance

Initial rate

5.59%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.50% APRC

Maximum loan to value (LTV)

50%

Incentives

None

Fees

£150

Early repayment charge

None

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