Capital and Interest Mortgages

Flexible, competitive mortgages for your clients

We offer a range of repayment mortgage products, designed to appeal to both purchasers and current owners. Our product range is available for new applications, and product transfers are available to eligible customers. We take a flexible approach to this sector of the market - talk to us about the needs of your clients.

View interest only mortgages

(Information correct as at 18th October 2019).

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate	75%	1.79%	31st December 2021	5.20%	4.6% APRC	£999
2 year fixed rate - Full C&I	75%	1.39%	31st December 2021	5.20%	4.6% APRC	£999
2 year fixed rate - Fee Offer	75%	1.54%	31st December 2021	5.20%	4.6% APRC	£0
2 year fixed rate - £500,000 and Over	75%	1.79%	31st December 2021	5.20%	4.6% APRC	£1,499
2 year fixed rate - loans over £1m	75%	1.79%	31st December 2021	5.20%	4.6% APRC	£1999
2 year fixed rate - loans over £1m - Full C&I	75%	1.74%	31st December 2021	5.20%	4.6% APRC	£1999
2 year fixed rate - Over £500,000 - Full C&I	75%	1.39%	31st December 2021	5.20%	4.6% APRC	£1499
2 year fixed rate	80%	2.04%	31st December 2021	5.20%	4.7% APRC	£999
2 year fixed rate - Full C&I	80%	1.54%	31st December 2021	5.20%	4.6% APRC	£999
2 year fixed rate - Fee Offer	80%	1.79%	31st December 2021	5.20%	4.6% APRC	£0
2 year fixed rate - loans over £1m	80%	2.04%	31st December 2021	5.20%	4.7% APRC	£1,999
2 year fixed rate - loans over £1m - Full C&I	80%	1.84%	31st December 2021	5.20%	4.6% APRC	£1,999
2 year fixed rate - £500,000 and Over	80%	2.04%	31st December 2021	5.20%	4.7% APRC	£1,499
2 year fixed rate - £500,000 and Over - Full C&I	80%	1.54%	31st December 2021	5.20%	4.6% APRC	£1,499
2 year fixed rate - Full C&I	85%	1.79%	31st December 2021	5.20%	4.6% APRC	£999
2 year fixed rate - Fee Offer	85%	1.99%	31st December 2021	5.20%	4.7% APRC	£0
2 year fixed rate - £500,000 and Over - Full C&I	85%	1.79%	31st December 2021	5.20%	4.6% APRC	£1,499
2 year fixed rate - loans up to £499,999 - Full C&I	90%	1.83%	31st December 2021	5.20%	4.7% APRC	£999
2 year fixed rate - Fee Offer	90%	2.09%	31st December 2021	5.20%	4.7% APRC	£0
2 year fixed rate - loans £500,000 and over - Full C&I	90%	2.29%	31st December 2021	5.20%	4.7% APRC	£1499
5 year fixed rate	75%	2.19%	31st December 2024	5.20%	4.1% APRC	£999
5 year fixed rate - Full C&I	75%	1.80%	31st December 2024	5.20%	3.9% APRC	£999
5 year fixed rate - Fee Offer	75%	1.82%	31st December 2024	5.20%	3.9% APRC	£0
5 year fixed rate - £500,000 and Over	75%	2.19%	31st December 2024	5.20%	4.0% APRC	£1,499
5 year fixed rate - £500,000 and Over - Full C&I	75%	1.80%	31st December 2024	5.20%	3.9% APRC	£1,499
5 year fixed rate - loans over £1m	75%	2.34%	31st December 2024	5.20%	4.1% APRC	£1,999
5 year fixed rate - loans over £1m - Full C&I	75%	2.19%	31st December 2024	5.20%	4.0% APRC	£1,999
5 year fixed rate	80%	2.24%	31st December 2024	5.20%	4.1% APRC	£999
5 year fixed rate - Full C&I	80%	1.83%	31st December 2024	5.20%	3.9% APRC	£999
5 year fixed rate - Fee Offer	80%	2.09%	31st December 2024	5.20%	4.0% APRC	£0
5 year fixed rate - loans over £1m	80%	2.44%	31st December 2024	5.20%	4.1% APRC	£1,999
5 year fixed rate - loans over £1m - Full C&I	80%	2.29%	31st December 2024	5.20%	4.1% APRC	£1,999
5 year fixed rate - £500,000 and Over	80%	2.24%	31st December 2024	5.20%	4.1% APRC	£1,499
5 year fixed rate - £500,000 and Over - Full C&I	80%	1.83%	31st December 2024	5.20%	3.9% APRC	£1,499
5 year fixed rate - Full C&I	85%	2.19%	31st December 2024	5.20%	4.1% APRC	£999
5 year fixed rate - Fee Offer	85%	2.29%	31st December 2024	5.20%	4.1% APRC	£0
5 year fixed rate - £500,000 and Over - Full C&I	85%	2.19%	31st December 2024	5.20%	4.0% APRC	£1,499
5 year fixed rate - loans up to £499,999 - Full C&I	90%	2.29%	31st December 2024	5.20%	4.1% APRC	£999
5 year fixed rate - Fee Offer	90%	2.34%	31st December 2024	5.20%	4.1% APRC	£0
5 year fixed rate - loans £500,000 and over - Full C&I	90%	2.79%	31st December 2024	5.20%	4.3% APRC	£1499

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate BTL	60%	1.59%	31st December 2021	5.60%	4.9% APRC	£999
2 year fixed rate BTL - fee offer	60%	2.59%	31st December 2021	5.60%	5.1% APRC	£0
Buy to let fixed rate - 2 years Capital and Interest Over £1m	60%	2.49%	31st December 2021	5.60%	5.1% APRC	£2,999
2 year fixed rate BTL	75%	2.49%	31st December 2021	5.60%	5.1% APRC	£1,999
2 year fixed rate BTL - fee offer	75%	2.84%	31st December 2021	5.60%	5.2% APRC	£0
2 year fixed rate BTL - fee offer - purchase special	75%	2.79%	31st December 2021	5.60%	5.1% APRC	£0
2 year fixed rate BTL- purchase special	75%	2.49%	31st December 2021	5.60%	5.1% APRC	£1,999
2 year fixed rate BTL - Over £1m - London and South East only	75%	2.69%	31st December 2021	5.60%	5.2% APRC	£2,999
2 year fixed rate BTL - C&I	80%	2.99%	31st December 2021	5.60%	5.2% APRC	£1,999
3 year fixed rate BTL	60%	2.39%	31st December 2022	5.60%	4.8% APRC	£1,999
3 year fixed rate BTL	75%	2.49%	31st December 2022	5.60%	4.9% APRC	£1,999
Buy to let fixed rate - 3 years - Capital and Interest Over £1m	75%	2.79%	31st December 2022	5.60%	4.9% APRC	£1,999
3 year fixed rate BTL - C&I	80%	3.19%	31st December 2022	5.60%	5.1% APRC	£1,999
5 year fixed rate BTL	60%	2.49%	31st December 2024	5.60%	4.4% APRC	£1,999
5 year fixed rate BTL - fee offer	60%	2.69%	31st December 2024	5.60%	4.5% APRC	£0
5 year fixed rate BTL	75%	2.59%	31st December 2024	5.60%	4.5% APRC	£1,999
5 year fixed rate BTL - fee offer	75%	2.79%	31st December 2024	5.60%	4.5% APRC	£0
5 year fixed rate BTL - Over £1m - London and South East only	75%	2.89%	31st December 2024	5.60%	4.6% APRC	£2,999
5 year fixed rate BTL - C&I	80%	3.39%	31st December 2024	5.60%	4.8% APRC	£1,999
Offset Variable Investment Housing Loan	75%	5.60% (variable)	No end date	Variable for term	5.9% APRC	£1,999

Deal	Max LTV	Initial rate	Discounted rate expires	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year offset discounted SVR	75%	2.69% (variable)	31st December 2021	5.20%	4.8% APRC	£999
2 year offset discounted SVR - £500,000 and Over	75%	2.69% (variable)	31st December 2021	5.20%	4.8% APRC	£1,499
2 year offset discounted SVR	80%	2.79% (variable)	31st December 2021	5.20%	4.8% APRC	£999
2 year offset discounted SVR - £500,000 and Over	80%	2.79% (variable)	31st December 2021	5.20%	4.8% APRC	£1,499
2 year offset discounted SVR - loans over £1m	75%	2.99% (variable)	31st December 2021	5.20%	4.9% APRC	£1,999
2 year offset discounted SVR - loans over £1m	80%	3.09% (variable)	31st December 2021	5.20%	4.9% APRC	£1,999

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 years fixed up to £500,000	95%	2.84%	31st December 2021	5.20%	4.9% APRC	£0
3 years fixed up to £500,000	90%	2.49%	31st December 2022	5.20%	4.5% APRC	£0
3 years fixed up to £500,000	95%	3.19%	31st December 2022	5.20%	4.8% APRC	£0
5 years fixed up to £500,000	95%	3.19%	31st December 2024	5.20%	4.5% APRC	£0

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year discounted SVR (SVR minus 2.71%)	75%	2.49% (variable)	31st December 2021	5.20%	4.8% APRC	£999
2 year discounted SVR (SVR minus 2.71%) - £500,000 and Over	75%	2.49% (variable)	31st December 2021	5.20%	4.8% APRC	£1,499
2 year discounted SVR (SVR minus 2.61%)	80%	2.59% (variable)	31st December 2021	5.20%	4.8% APRC	£999
2 year discounted SVR (SVR minus 2.61%) - £500,000 and Over	80%	2.59% (variable)	31st December 2021	5.20%	4.8% APRC	£1,499

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate - Fee offer	85%	1.89%	31st December 2021	5.20%	4.6% APRC	£0
2 year fixed rate - Newly qualified professional	85%	2.09%	31st December 2021	5.20%	4.7% APRC	£0
2 year fixed rate - Fee offer	90%	1.99%	31st December 2021	5.20%	4.7% APRC	£0
2 year fixed rate - Newly qualified professional	90%	2.19%	31st December 2021	5.20%	4.7% APRC	£0
2 year fixed rate - Newly qualified professional	95%	3.19%	31st December 2021	5.20%	4.9% APRC	£0
3 year fixed rate - Newly qualified professional	85%	2.49%	31st December 2022	5.20%	4.5% APRC	£0
3 year fixed rate - Newly qualified professional	90%	2.69%	31st December 2022	5.20%	4.6% APRC	£0
3 year fixed rate - Newly qualified professional	95%	3.39%	31st December 2022	5.20%	4.8% APRC	£0
5 year fixed rate - Fee offer	85%	2.19%	31st December 2024	5.20%	4.0% APRC	£0
5 year fixed rate - Newly qualified professional	85%	2.49%	31st December 2024	5.20%	4.1% APRC	£0
5 year fixed rate - Fee offer	90%	2.34%	31st December 2024	5.20%	4.1% APRC	£0
5 year fixed rate - Newly qualified professional	90%	2.54%	31st December 2024	5.20%	4.2% APRC	£0
5 year fixed rate - Newly qualified professional	95%	3.69%	31st December 2024	5.20%	4.6% APRC	£0

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