Residential
Whether you’re looking to buy a new property or remortgage one you already own, we offer attractive tracker and fixed-rate 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.
Whether you’re looking to buy a new property or remortgage one you already own, we offer attractive tracker and fixed-rate mortgages.
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.
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.
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 December 2026 |
£10m |
4.94% |
6.99% (BEBR^ currently 5.00% +1.99%) |
6.6% APRC |
0.4% of amount borrowed |
75% |
2% of balance repaid |
5 Year fixed rate until 31 December 2029 |
£10m |
4.69% |
6.99% (BEBR^ currently 5.00% +1.99%) |
5.7% APRC |
0.4% of amount borrowed |
75% |
4% of balance repaid |
^BEBR means the Bank of England Base Rate, which is currently 5.00% (effective 1 August 2024).
Representative Example:
A capital and interest mortgage of £370,721 payable over 120 months on a fixed rate of 4.94% 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 £3921.21 and 96 monthly payments of £4230.82.
The total amount payable would be £501,865.64 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 |
5.99% |
6.99% (BEBR^ currently 5.00% +1.99%) |
6.9% APRC |
0.4% of amount borrowed |
75% |
None |
5 Year tracker at BEBR^ +1.24% for 5 years |
£10m |
6.24% |
6.99% (BEBR^ currently 5.00% +1.99%) |
6.7% APRC |
0.4% of amount borrowed |
75% |
None |
^BEBR means the Bank of England Base Rate, which is currently 5.00% (effective 1 August 2024).
Representative Example:
A capital and interest mortgage of £370,721 payable over 120 months on a tracker rate of 5.99% 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 £4113.90 and 96 monthly payments of £4268.03
The total amount payable would be £510,062.36 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 6.9% 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^ +0.84% for 2 years |
£1m |
5.84% |
9.49% (BEBR^ currently 5.00% +4.49%) |
8.7% APRC |
0.5% of amount borrowed |
75% |
None |
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 December 2026 |
£3m |
5.34% |
9.49% (BEBR^ currently 5.00% +4.49%) |
8.4% APRC |
0.5% of amount borrowed |
60% |
2% of balance repaid |
5 Year fixed rate until 31 December 2029 |
£3m |
5.09% |
9.49% (BEBR^ currently 5.00% +4.49%) |
6.6% APRC |
0.5% of amount borrowed |
60% |
4% of balance repaid |
^BEBR means the Bank of England Base Rate, which is currently 5.00% (effective 1 August 2024).