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Homebuyer Cashback

Cashback when you take out a Homebuyer Cashback mortgage

Buying a property? You could get cashback of up to £2,500.

  • Available if you're a first-time buyer or moving home
  • Applies to some fixed rate, residential mortgages
  • You'll get your cashback once your mortgage starts

Your home may be repossessed if you do not keep up repayments on your mortgage.

How it works

When you buy a property over a certain value, you need to pay tax to the government. The amount is based on what you pay for the property, and whether it's in Stamp Duty Land Tax or Land and Buildings Transaction Tax in Scotland. The amount is based on what you pay for the property, and where the property is located.

For example, if you're buying your first home in England for £260,000, you'd pay tax of £3,000. If you're buying your first home in Scotland for £260,000, you'd pay tax of £2,600.

What you could get

After your mortgage starts, cashback can be paid directly to the account you use for your mortgage Direct Debit. Your cashback amount may match your stamp duty but we don't guarantee this.

  • £1,250 cashback if you're borrowing between £100,000 and £150,000
  • £2,500 cashback for mortgages over £150,000 and up to £500,000
  • Spend your cashback on anything you like
  • You can get cashback whether you're a first-time buyer or moving home

Our cashback mortgages

Get cashback on the mortgages shown below – you can sort the table by selecting a column title.

You can also save a copy of our tariff of mortgage charges and read our important legal information.

Already have a mortgage with us? If you're looking to switch, you can take advantage of our exclusive rates for existing customers.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.


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How to apply

Our mortgage calculator can help you work out how much you can afford to borrow. You can then complete an Agreement in Principle (AiP) to find out whether we’d be able to lend the amount you need – without affecting your credit score. If we can, the next step is to make an appointment with an adviser to apply for a mortgage.