Premier mortgage eligibility
Are you ready for Premier?
See if you’re eligible for Premier Banking so you can enjoy access to our exclusive mortgage rates and benefits.
High-value mortgages
Exclusive rates for you
Whether you’re mortgaging a new home or switching your mortgage to us, we could help. If you’re eligible for Premier, you’ll get exclusive mortgage rates and a higher annual mortgage overpayment allowance of 25%1.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your Premier mortgage options
Exclusive remortgage rates
Move your mortgage from another lender to a Premier-only rate and we won’t charge you any valuation or legal fees.
Exclusive purchase rates
Whether you’re buying a new home or investing in a buy-to-let property, we have exclusive rates waiting for you.
A wide and varied choice
You can choose from our wide range of fixed-rate, tracker, offset and buy-to let mortgages.
Our exclusive Premier rates
You can also check our full mortgage range [PDF, 299KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.
Filter your results
Initial period
Deal type
Charges
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
| 3.99% Residential Premier Exclusive 5 Year Fixed (Purchase Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 5.6% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.10% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 6.3% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.12% Residential Premier Exclusive 5 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£999 | 5.7% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.20% Residential Premier Exclusive 2 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£999 | 6.3% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.24% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 6.3% APRC | 6.49% variable for the remaining term * | 75% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.32% Residential Premier Exclusive: 3 Year Fixed (Purchase Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£999 | 6.1% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.57% Residential Premier Exclusive 5 Year Fixed (Purchase Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 5.9% APRC | 6.49% variable for the remaining term * | 90% (Min loan £5,000, Max loan £640,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.73% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 6.4% APRC | 6.49% variable for the remaining term * | 90% (Min loan £5,000, Max loan £640,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.00% Residential Premier Exclusive 2 Year Tracker. | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 6.4% APRC | 6.49% variable for the remaining term * | 75% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).
Representative example:
A capital and interest mortgage of £198,000 payable over 300 months on a fixed rate of 4.24% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate (currently 4.50%), for the remaining term would require 24 monthly payments of £1,071.53 and 276 monthly payments of £1,317.99.
The total amount payable would be £390,485.96 made up of the loan amount plus interest and £899 (product fee), £80 (final repayment charge), £25 (completion fee).
The overall cost for comparison is 6.3% APRC representative.
How to apply
First, check that you’re eligible for Premier. Then calculate how much you could borrow, see if we’d be willing to lend the amount you need with an Agreement in Principle and then book a mortgage appointment.
Mortgage calculators
Work out which kind of mortgage you could afford
Use our mortgage calculators to work out how much you could borrow and how much deposit you need for a mortgage.
Agreement in Principle
Take the first step to your mortgage
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
Book an appointment
If you’re with Premier, our Financial Guides can support you with your goals and help you plan for your future. Whether you’re moving or improving, we’re ready to help, and offer exclusive mortgages. We're available Monday to Friday, from 8am to 6:30pm and Saturdays, from 9am to 3:30pm.
Important information
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Our mortgage overpayment allowance has increased from 10% to 25% per year. This only applies to new fixed-rate Premier-exclusive mortgages and remortgage rates. It doesn’t apply when you switch to a new rate with us after the initial term. Our tracker mortgages already have a 25% overpayment allowance.
Subject to application, financial circumstances and borrowing history. T&Cs apply. Your home may be repossessed if you do not keep up repayments on your mortgage.Return to reference