Residential
Whether you’re looking to buy a new property or remortgage one you already own, we offer attractive tracker and fixed-rate mortgages.
Wealth mortgages
Your dedicated property finance service
We offer expert finance solutions for residential property, investment property and additional borrowing – managed from start to finish by your mortgage adviser.
Your mortgage options
Investment
We offer loans for larger sums and for special purpose companies and trusts. Terms of up to 35 years can be arranged, with an arrangement fee based on the balance drawn.
Bespoke
If you’re borrowing more than £10m, we’ll work with you to design a bespoke solution tailored to suit your personal preferences and the property.
Selected mortgage rates
These rates are available if you’re a first-time buyer, moving home, looking to switch your current mortgage with us or remortgaging from another lender.
-
Product type
Max loan size
Initial interest
Follow on rate
Overall cost for comparison
Product fee
LTV
Early repayment charge
2 Year fixed rate until 31 March 2027
£10m
5.29%
6.74% (BEBR^ currently 4.75% +1.99%)
6.5% APRC
0.4% of amount borrowed
75%
2% of balance repaid
5 Year fixed rate until 31 March 2030
£10m
5.04%
6.74% (BEBR^ currently 4.75% +1.99%)
5.4% APRC
0.4% of amount borrowed
75%
4% of balance repaid
^BEBR means the Bank of England Base Rate, which is currently 4.75% (effective 7 November 2024).
Representative Example:
A capital and interest mortgage of £370,721 payable over 120 months on a fixed rate of 5.29% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate for the remaining term would require 24 monthly payments of £3984.83 and 96 monthly payments of £4204.72.The total amount payable would be £500,876.92 made up of the loan amount plus interest and £1482.88 (product fee), £80 (final repayment charge), £25 (completion fee).
The overall cost for comparison is 6.5% APRC representative.
-
Product type
Max loan size
Initial interest
Follow on rate
Overall cost for comparison
Product fee
LTV
Early repayment charge
2 Year tracker at BEBR^ +0.99% for 2 years
£10m
5.74%
6.74% (BEBR^ currently 4.75% +1.99%)
6.8% APRC
0.4% of amount borrowed
75%
None
5 Year tracker at BEBR^ +1.24% for 5 years
£10m
5.99%
6.74% (BEBR^ currently 4.75% +1.99%)
6.6% APRC
0.4% of amount borrowed
75%
None
^BEBR means the Bank of England Base Rate, which is currently 4.75% (effective 7 November 2024).
Representative Example:
A capital and interest mortgage of £370,721 payable over 120 months on a tracker rate of 5.74% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate for the remaining term would require 24 monthly payments of £4067.53 and 96 monthly payments of £4220.50The total amount payable would be £504,376.60 made up of the loan amount plus interest and £1482.88 (product fee), £80 (final repayment charge), £25 (completion fee).
The overall cost for comparison is 6.6% APRC representative.
-
Tracker products Product type
Max loan size
Initial interest
Follow on rate
Overall cost for comparison
Product fee
LTV
Early repayment charge
2 Year tracker at BEBR^ +0.84% for 2 years
£1m
5.59%
9.24% (BEBR^ currently 4.75% +4.49%)
8.3% APRC
0.5% of amount borrowed
75%
None
Fixed rate products Product type
Max loan size
Initial interest
Follow on rate
Overall cost for comparison
Product fee
LTV
Early repayment charge
2 Year fixed rate until 31 March 2027
£3m
5.69%
9.24% (BEBR^ currently 4.75% +4.49%)
8.1% APRC
0.5% of amount borrowed
60%
2% of balance repaid
5 Year fixed rate until 31 March 2029
£3m
5.44%
9.24% (BEBR^ currently 4.75% +4.49%)
6.3% APRC
0.5% of amount borrowed
60%
4% of balance repaid
^BEBR means the Bank of England Base Rate, which is currently 4.75% (effective 7 November 2024).
Things to consider
- Property is a high-risk, long-term investment, so it may not be suitable for everyone
- If you borrow to buy an investment property and fail to keep up with the required payments, the property may be repossessed, or a receiver of rents appointed
- We recommend you take independent tax advice on any investment or leverage. It’s important to appreciate the specific risks associated with investment leverage before making any investment decisions
- Your home may be repossessed if you don’t keep up repayments on your home mortgage