Current Mortgage Range

We offer a wide range of mortgages including fixed rates, Offset, Bank of England Trackers and some for first time buyers.

Please note:

Our mortgages have limited availability and may be withdrawn at any time.
Some of our mortgages have product fees or early repayment charges - details are shown on the individual mortgage product pages.

Important Information regarding Valuations and Property Prices - and how this may affect your application.

Click on the panels below to view our current Mortgages.

Fixed rates

Fix the interest you pay for extra peace of mind.

Min Deposit	Min Loan Size	Interest rate	The overall cost for comparison:
2 year Fixed Rate Mortgages
25%	£25,001	2.89% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	2.99% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
15%	£25,001	4.25% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.0% APR
10%	£25,001	4.95% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.2% APR
2 year Fixed Rate Mortgages - Fee Assistance
25%	£25,001	2.99% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	3.09% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
15%	£25,001	4.35% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.0% APR
10%	£25,001	5.19% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.2% APR
3 year Fixed Rate Mortgages
10%	£25,001	5.69% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.4% APR
3 year Fixed Rate Mortgages - Fee Assistance
10%	£25,001	5.89% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.4% APR
5 year Fixed Rate Mortgages
25%	£25,001	3.99% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	4.19% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
15%	£25,001	5.29% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.3% APR
5 year Fixed Rate Mortgages - Fee Assistance
25%	£25,001	4.29% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
15%	£25,001	5.39% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.3% APR
10 year Fixed Rate Mortgages
25%	£25,001	4.99% until 30/09/20, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.2% APR

What is a fixed rate mortgage?

Rollover Fixed Rate

Fix your interest yearly for the lifetime of your mortgage. Free You Choose home insurance (subject to eligibility).

Min Deposit	Min Loan Size	Interest rate	The overall cost for comparison:
1 year Rollover Fixed Rate for remortgage
65%	£25,001	2.69% fixed until 31/08/11, rolling into another 1 year fixed rate each year.	4.9% APR

What is a Rollover mortgage?

Offset Mortgages

Combine your mortgage and your savings to make your money work harder.

Min Deposit	Min Loan Size	Interest rate	The overall cost for comparison:
2 year Fixed Rate Offset Mortgages
25%	£25,001	2.99% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	3.09% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
15%	£25,001	4.35% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.0% APR
2 year Fixed Rate Offset Mortgages - Fee Assistance
25%	£25,001	3.09% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	3.19% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
15%	£25,001	4.45% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.0% APR
3 year Fixed Rate Offset Mortgages
25%	£25,001	3.89% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
15%	£25,001	4.79% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.1% APR
10%	£25,001	5.79% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.5% APR
3 year Fixed Rate Offset Mortgages - Fee Assistance
25%	£25,001	3.99% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR
15%	£25,001	4.89% until 30/09/13 , then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.1% APR
10%	£25,001	5.99% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.5% APR
5 year Fixed Rate Offset Mortgages
25%	£25,001	4.09% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.8% APR
25%	£25,001	4.29% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR
15%	£25,001	5.39% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.4% APR
5 year Fixed Rate Offset Mortgages - Fee Assistance
25%	£25,001	4.39% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR
15%	£25,001	5.49% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.4% APR
Offset Bank of England Base Rate variable trackers
25%	£25,001	Initial rate 2.49% variable (BoE Base Rate + 1.99%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
25%	£25,001	Initial rate 2.59% variable (BoE Base Rate + 2.09%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
15%	£25,001	Initial rate 3.59% variable (BoE Base Rate + 3.09%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR
Offset Bank of England Base Rate variable trackers - Fee Assistance
25%	£25,001	Initial rate 2.59% variable (BoE Base Rate + 2.09%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
25%	£25,001	Initial rate 2.69% variable (BoE Base Rate + 2.19%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
15%	£25,001	Initial rate 3.69% variable (BoE Base Rate + 3.19%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR

Find out more about how Offset works

Bank of England Base Rate variable trackers

Mortgage products with an interest rate that follows the Bank of England's
Base Rate for a set period.

Min Deposit	Min Loan Size	Interest rate	The overall cost for comparison:
Bank of England Base Rate variable trackers
25%	£25,001	Initial rate 2.39% variable (BoE Base Rate + 1.89%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
25%	£25,001	Initial rate 2.49% variable (BoE Base Rate + 1.99%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.6% APR
15%	£25,001	Initial rate 3.49% variable (BoE Base Rate + 2.99%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR
Bank of England Base Rate variable trackers - Fee Assistance
25%	£25,001	Initial rate 2.49% variable (BoE Base Rate + 1.99%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.7% APR
25%	£25,001	Initial rate 2.59% variable (BoE Base Rate + 2.09%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.6% APR
15%	£25,001	Initial rate 3.59% variable (BoE Base Rate + 3.09%) until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	4.9% APR

Find out more about our Base Rate Tracker products

First Time Buyers

Mortgage products designed for the first time buyers - help with legal fees &
free You Choose home insurance (subject to eligibility).

Min Deposit	Min Loan Size	Interest rate	The overall cost for comparison:
First Time Buyer Fixed Rate Mortgages
15%	£25,001	4.99% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.1% APR
15%	£25,001	5.49% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.3% APR
15%	£25,001	5.79% until 30/09/15 , then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.5% APR
10%	£25,001	5.69% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.3% APR
First Time Buyer Fixed Rate Offset Mortgages
15%	£25,001	5.09% until 30/09/12, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.1% APR
15%	£25,001	5.59% until 30/09/13, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.3% APR
15%	£25,001	5.89% until 30/09/15, then 4.99% variable (our SVR) for the remaining term of the mortgage.	5.5% APR

Find out more about our First Time Buyer products

Useful resources

Estimate your monthly payment using our quick Cost calculator.
Is an Offset mortgage right for you? Try our Offset demonstrator to find out more.
Check how much you can borrow with our Borrowing calculator.
Get a Key Facts Illustration (a full mortgage illustration).
Manage your accounts online - register now for our online services
Send me a leaflet and application form by post.
Don't forget our Jargon master for any word or term you don't understand.

Call us on 0845 1 200 100*

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