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 3rd September 2021).

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate - loans over £1m BO1601	65%	1.79%	30th November 2023	4.55%	4.1% APRC	£1999
2 year fixed rate BO1368	75%	1.62%	30th November 2023	4.55%	4.1% APRC	£999
2 year fixed rate - Full C&I CI1369	75%	1.28%	30th November 2023	4.55%	4.0% APRC	£999
2 year fixed rate - Fee Offer CI1357	75%	1.50%	30th November 2023	4.55%	4.0% APRC	£0
2 year fixed rate - £500,000 and Over BO1374	75%	1.62%	30th November 2023	4.55%	4.1% APRC	£1,499
2 year fixed rate - loans over £1m BO1380	75%	1.94%	30th November 2023	4.55%	4.1% APRC	£1999
2 year fixed rate BO1370	80%	2.09%	30th November 2023	4.55%	4.2% APRC	£999
2 year fixed rate - Full C&I CI1371	80%	1.56%	30th November 2023	4.55%	4.1% APRC	£999
2 year fixed rate - Fee Offer CI1358	80%	2.00%	30th November 2023	4.55%	4.1% APRC	£0
2 year fixed rate - loans over £1m BO1381	80%	2.09%	30th November 2023	4.55%	4.2% APRC	£1,999
2 year fixed rate - £500,000 and Over BO1376	80%	2.09%	30th November 2023	4.55%	4.2% APRC	£1,499
2 year fixed rate - Full C&I CI1372	85%	1.80%	30th November 2023	4.55%	4.1% APRC	£999
2 year fixed rate - Fee Offer CI1351	85%	2.17%	30th November 2023	4.55%	4.2% APRC	£0
Product Transfer 2 year fixed rate - Full C&I CI1373	90%	2.92%	30th November 2023	4.55%	4.3% APRC	£999
Exclusive 2 Year Fixed Rate under £540,000 – Full Capital and Interest CI1383	90%	2.25%	30th November 2023	4.55%	4.2% APRC	£1,999
2 Year Fixed Rate over £540,000 – London & South East - Full C&I CI1450	90%	3.12%	30th November 2023	4.55%	4.4% APRC	£999
Product Transfer 2 year fixed rate - Fee Offer CI1352	90%	3.24%	30th November 2023	4.55%	4.4% APRC	£0
5 year fixed rate - loans over £1m BO1600	65%	1.99%	30th November 2026	4.55%	3.6% APRC	£1,999
5 year fixed rate CI1386	75%	1.37%	30th November 2026	4.55%	3.3% APRC	£999
5 year fixed rate BO1385	75%	1.77%	30th November 2026	4.55%	3.5% APRC	£999
5 year fixed rate - Fee Offer CI1353	75%	1.58%	30th November 2026	4.55%	3.4% APRC	£0
5 year fixed rate - £500,000 and Over - Capital and Interest BO1391	75%	1.77%	30th November 2026	4.55%	3.5% APRC	£1,499
5 year fixed rate - loans over £1m BO1397	75%	2.19%	30th November 2026	4.55%	3.6% APRC	£1,999
5 year fixed rate BO1387	80%	2.29%	30th November 2026	4.55%	4.0% APRC	£999
5 year fixed rate - Full C&I CI1388	80%	1.85%	30th November 2026	4.55%	3.5% APRC	£999
5 year fixed rate - Fee Offer CI1354	80%	2.15%	30th November 2026	4.55%	3.60% APRC	£0
5 year fixed rate - loans over £1m BO1398	80%	2.49%	30th November 2026	4.55%	3.8% APRC	£1,999
5 year fixed rate - £500,000 and Over BO1393	80%	2.29%	30th November 2026	4.55%	3.7% APRC	£1,499
5 year fixed rate - Full C&I CI1389	85%	2.25%	30th November 2026	4.55%	3.7% APRC	£999
5 year fixed rate - Fee Offer CI1355	85%	2.45%	30th November 2026	4.55%	3.7% APRC	£0
Product Transfer 5 year fixed rate – Full Capital and Interest CI1390	90%	3.22%	30th November 2026	4.55%	4.1% APRC	£999
Exclusive 5 Year Fixed Rate under £540,000 – Full Capital and Interest CI1404	90%	2.77%	30th November 2026	4.55%	3.9% APRC	£1,999
5 Year Fixed Rate over £540,000 – London & South East - Full Capital and Interest CI1451	90%	3.36%	30th November 2026	4.55%	4.1% APRC	£999
Product Transfer 5 year fixed rate - Fee Offer CI1356	90%	3.44%	30th November 2026	4.55%	4.2% APRC	£0

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate BTL - Over £1m - London and South East only BO1344	75%	2.69%	30th November 2023	4.95%	4.6% APRC	£2,999
2 year fixed rate BTL BO1340	60%	1.69%	30th November 2023	4.95%	4.4% APRC	£999
2 year fixed rate BTL – Over £1m – London and South East only - BO1343 - Capital and Interest	60%	2.19%	30th November 2023	4.95%	4.5% APRC	£2,999
2 year fixed rate BTL BO1341	75%	2.59%	30th November 2023	4.95%	4.6% APRC	£1,999
2 year fixed rate BTL - fee offer BO1349	75%	2.79%	30th November 2023	4.95%	4.6% APRC	£0
Product Transfer 2 year fixed rate BTL - C&I CI1342	80%	3.09%	30th November 2023	4.95%	4.7% APRC	£1,999
5 year fixed rate BTL BO1345	60%	2.49%	30th November 2026	4.95%	4.1% APRC	£1,999
5 year fixed rate BTL BO1346	75%	2.69%	30th November 2026	4.95%	4.1% APRC	£1,999
5 year fixed rate BTL - fee offer BO1350	75%	2.84%	30th November 2026	4.95%	4.1% APRC	£0
5 year fixed rate BTL - Over £1m - London and South East only BO1348	75%	2.89%	30th November 2026	4.95%	4.2% APRC	£2,999
Product Transfer 5 year fixed rate BTL - C&I CI1347	80%	3.49%	30th November 2026	4.95%	4.5% APRC	£1,999
Offset Variable Investment Housing Loan BO1005	75%	4.95% (variable)	No end date	Variable for term	4.95% 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 OVR - £500,000 and Over BO1338	80%	2.04% (variable)	30th November 2023	4.55%	4.2% APRC	£1,499
2 year offset discounted OVR BO1337	80%	2.04% (variable)	30th November 2023	4.55%	4.2% APRC	£999
2 year offset discounted OVR - loans over £1m BO1339	80%	2.34% (variable)	30th November 2023	4.55%	4.2% 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

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 year fixed rate CI1360	85%	2.10%	30th November 2023	4.55%	4.1% APRC	£0
2 year fixed rate - Newly qualified professional CI1359	85%	2.30%	30th November 2023	4.55%	4.2% APRC	£0
Product Transfer 2 year fixed rate CI1362	90%	2.74%	30th November 2023	4.55%	4.3% APRC	£0
2 year fixed rate under £540,000 CI1399	90%	2.74%	30th November 2023	4.55%	4.3% APRC	£0
2 year fixed rate over £540,000 London & South East CI1400	90%	2.74%	30th November 2023	4.55%	4.3% APRC	£0
Product Transfer 2 year fixed rate - Newly qualified professional CI1361	90%	2.94%	30th November 2023	4.55%	4.3% APRC	£0
5 year fixed rate CI1364	85%	2.40%	30th November 2026	4.55%	3.7% APRC	£0
5 year fixed rate - Newly qualified professional CI1363	85%	2.60%	30th November 2026	4.55%	3.8% APRC	£0
Product Transfer 5 year fixed rate CI1366	90%	3.15%	30th November 2026	4.55%	4.0% APRC	£0
5 year fixed rate under £540,000 CI1401	90%	3.15%	30th November 2026	4.55%	4.0% APRC	£0
5 year fixed rate over £540,000 London & South East CI1402	90%	3.15%	30th November 2026	4.55%	4.0% APRC	£0
Product Transfer 5 year fixed rate - Newly qualified professional CI1365	90%	3.35%	30th November 2026	4.55%	4.1% APRC	£0

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