Capital and Interest Mortgages

Flexible, competitive mortgages for your clients

(Information correct as at 16th November 2021).

Fixed rate

Buy to let

Offset

First Time Buyers

Professional

• 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%	31st January 2024	4.55%	4.1% APRC	£1999
  2 year fixed rate BO1368	75%	1.64%	31st January 2024	4.55%	4.1% APRC	£999
  2 year fixed rate - Full C&I CI1369	75%	1.39%	31st January 2024	4.55%	4.0% APRC	£999
  2 year fixed rate - Fee Offer CI1357	75%	1.59%	31st January 2024	4.55%	4.0% APRC	£0
  2 year fixed rate - £500,000 and Over BO1374	75%	1.64%	31st January 2024	4.55%	4.1% APRC	£1,499
  2 year fixed rate - loans over £1m BO1380	75%	1.94%	31st January 2024	4.55%	4.1% APRC	£1999
  2 year fixed rate BO1370	80%	1.69%	31st January 2024	4.55%	4.1% APRC	£999
  2 year fixed rate - Full C&I CI1371	80%	1.49%	31st January 2024	4.55%	4.1% APRC	£999
  2 year fixed rate - Fee Offer CI1358	80%	1.72%	31st January 2024	4.55%	4.1% APRC	£0
  2 year fixed rate - loans over £1m BO1381	80%	1.99%	31st January 2024	4.55%	4.1% APRC	£1,999
  2 year fixed rate - £500,000 and Over BO1376	80%	1.69%	31st January 2024	4.55%	4.1% APRC	£1,499
  2 year fixed rate - Full C&I CI1372	85%	1.63%	31st January 2024	4.55%	4.1% APRC	£999
  2 year fixed rate - Fee Offer CI1351	85%	1.94%	31st January 2024	4.55%	4.1% APRC	£0
  Product Transfer 2 year fixed rate - Full C&I CI1373	90%	2.08%	31st January 2024	4.55%	4.2% APRC	£999
  Exclusive 2 Year Fixed Rate under £570,000 – Full Capital and Interest CI1383	90%	1.98%	31st January 2024	4.55%	4.2% APRC	£1,999
  2 Year Fixed Rate over £570,000 – London & South East - Capital and Interest CI1450	90%	2.78%	31st January 2024	4.55%	4.3% APRC	£999
  2 Year Fixed Rate under £570,000 – Full Capital and Interest CI1452	90%	2.08%	31st January 2024	4.55%	4.2% APRC	£999
  2 year fixed rate - Fee Offer CI1352	90%	2.28%	31st January 2024	4.55%	4.2% APRC	£0
  2 year fixed rate - Full C&I CI1454	95%	2.67%	31st January 2024	4.55%	4.3% APRC	£999
  2 year fixed rate - Fee Offer CI1455	95%	2.95%	31st January 2024	4.55%	4.4% APRC	£0
  5 year fixed rate - loans over £1m BO1600	65%	1.99%	31st January 2027	4.55%	3.6% APRC	£1,999
  5 year fixed rate CI1386	75%	1.49%	31st January 2027	4.55%	3.4% APRC	£999
  5 year fixed rate BO1385	75%	1.77%	31st January 2027	4.55%	3.5% APRC	£999
  5 year fixed rate - Fee Offer CI1353	75%	1.64%	31st January 2027	4.55%	3.4% APRC	£0
  5 year fixed rate - £500,000 and Over - Capital and Interest BO1391	75%	1.77%	31st January 2027	4.55%	3.5% APRC	£1,499
  5 year fixed rate - loans over £1m BO1397	75%	2.19%	31st January 2027	4.55%	3.6% APRC	£1,999
  5 year fixed rate BO1387	80%	1.91%	31st January 2027	4.55%	3.5% APRC	£999
  5 year fixed rate - Full C&I CI1388	80%	1.75%	31st January 2027	4.55%	3.5% APRC	£999
  5 year fixed rate - Fee Offer CI1354	80%	1.89%	31st January 2027	4.55%	3.50% APRC	£0
  5 year fixed rate - loans over £1m BO1398	80%	2.25%	31st January 2027	4.55%	3.7% APRC	£1,999
  5 year fixed rate - £500,000 and Over BO1393	80%	1.91%	31st January 2027	4.55%	3.5% APRC	£1,499
  5 year fixed rate - Full C&I CI1389	85%	2.02%	31st January 2027	4.55%	3.6% APRC	£999
  5 year fixed rate - Fee Offer CI1355	85%	2.27%	31st January 2027	4.55%	3.7% APRC	£0
  Product Transfer 5 year fixed rate – Full Capital and Interest CI1390	90%	2.58%	31st January 2027	4.55%	3.8% APRC	£999
  Exclusive 5 Year Fixed Rate under £570,000 – Full Capital and Interest CI1404	90%	2.48%	31st January 2027	4.55%	3.8% APRC	£1,999
  5 Year Fixed Rate over £570,000 – London & South East - Full Capital and Interest CI1451	90%	2.98%	31st January 2027	4.55%	4.0% APRC	£999
  5 year fixed rate – Full Capital and Interest CI1453	90%	2.58%	31st January 2027	4.55%	3.8% APRC	£999
  5 year fixed rate - Fee Offer CI1356	90%	2.74%	31st January 2027	4.55%	3.9% APRC	£0
  5 year fixed rate – Full Capital and Interest CI1459	95%	3.08%	31st January 2027	4.55%	4.1% APRC	£999
  5 year fixed rate - Fee Offer CI1456	95%	3.16%	31st January 2027	4.55%	4.1% 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%	31st January 2024	4.95%	4.6% APRC	£2,999
  2 year fixed rate BTL BO1340	60%	1.69%	31st January 2024	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%	31st January 2024	4.95%	4.5% APRC	£2,999
  2 year fixed rate BTL BO1341	75%	2.40%	31st January 2024	4.95%	4.6% APRC	£1,999
  2 year fixed rate BTL - fee offer BO1349	75%	2.58%	31st January 2024	4.95%	4.6% APRC	£0
  2 year fixed rate BTL - C&I CI1342	80%	3.25%	31st January 2024	4.95%	4.8% APRC	£1,999
  5 year fixed rate BTL BO1345	60%	2.04%	31st January 2027	4.95%	3.9% APRC	£1,999
  5 year fixed rate BTL BO1346	75%	2.43%	31st January 2027	4.95%	4.0% APRC	£1,999
  5 year fixed rate BTL - fee offer BO1350	75%	2.63%	31st January 2027	4.95%	4.1% APRC	£0
  5 year fixed rate BTL - Over £1m - London and South East only BO1348	75%	2.89%	31st January 2027	4.95%	4.2% APRC	£2,999
  5 year fixed rate BTL - C&I CI1347	80%	3.28%	31st January 2027	4.95%	4.4% 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)	31st January 2024	4.55%	4.2% APRC	£1,499
  2 year offset discounted OVR BO1337	80%	2.04% (variable)	31st January 2024	4.55%	4.2% APRC	£999
  2 year offset discounted OVR - loans over £1m BO1339	80%	2.34% (variable)	31st January 2024	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%	1.89%	31st January 2024	4.55%	4.1% APRC	£0
  2 year fixed rate - Newly qualified professional CI1359	85%	2.09%	31st January 2024	4.55%	4.1% APRC	£0
  Product Transfer 2 year fixed rate CI1362	90%	2.23%	31st January 2024	4.55%	4.2% APRC	£0
  2 year fixed rate under £570,000 CI1399	90%	2.23%	31st January 2024	4.55%	4.2% APRC	£0
  2 year fixed rate over £570,000 London & South East CI1400	90%	2.23%	31st January 2024	4.55%	4.2% APRC	£0
  2 year fixed rate - Newly qualified professional CI1361	90%	2.43%	31st January 2024	4.55%	4.2% APRC	£0
  2 year fixed rate - Newly qualified professional CI1457	95%	3.22%	31st January 2024	4.55%	4.4% APRC	£0
  5 year fixed rate CI1364	85%	2.21%	31st January 2027	4.55%	3.6% APRC	£0
  5 year fixed rate - Newly qualified professional CI1363	85%	2.41%	31st January 2027	4.55%	3.7% APRC	£0
  Product Transfer 5 year fixed rate CI1366	90%	2.69%	31st January 2027	4.55%	3.8% APRC	£0
  5 year fixed rate under £570,000 CI1401	90%	2.69%	31st January 2027	4.55%	3.8% APRC	£0
  5 year fixed rate over £570,000 London & South East CI1402	90%	2.69%	31st January 2027	4.55%	3.8% APRC	£0
  5 year fixed rate - Newly qualified professional CI1365	90%	2.89%	31st January 2027	4.55%	3.9% APRC	£0
  5 year fixed rate - Newly qualified professional CI1458	95%	3.49%	31st January 2027	4.55%	4.2% APRC	£0