Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£3,000,000
Minimum loan amount
£1,000,001
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£3,000,000
Minimum loan amount
£1,000,001
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£5,000,000
Minimum loan amount
£100,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£5,000,000
Minimum loan amount
£100,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£5,000,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£5,000,000
Minimum loan amount
£100,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£5,000,000
Minimum loan amount
£100,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 2 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1653
75%
4.10%
31st January 2028
31/01/28
Currently 6.99%
£1,499
1499
Broker Exclusive - 2 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1653
For loans up to 75% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 5 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1654
75%
4.13%
31st January 2031
31/01/31
Currently 6.99%
£1,499
1499
Broker Exclusive - 5 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1654
For loans up to 75% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
2 Year Discounted <=80% LTV (SVR minus 2.00%) <=£1m - BO1766
80%
4.99%
31st January 2028
31/01/28
Currently 6.99%
£999
999
2 Year Discounted <=80% LTV (SVR minus 2.00%) <=£1m - BO1766
For loans up to 80% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Broker - 2 Year Discounted <=80% (SVR minus 1.80%) > £1m - BO1767
80%
5.19%
31st January 2028
31/01/28
Currently 6.99%
£1,999
1999
Broker - 2 Year Discounted <=80% (SVR minus 1.80%) > £1m - BO1767
For loans up to 80% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£100,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£100,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 2 Year Fixed <=80% - Loan <= £1.5m - Full C&I - CI1634
80%
4.39%
31st January 2028
31/01/28
Currently 6.99%
£1,499
1499
Broker Exclusive - 2 Year Fixed <=80% - Loan <= £1.5m - Full C&I - CI1634
For loans up to 80% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£2,500,000
Minimum loan amount
£1,000,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 5 Year Fixed <=80% - Loan <= £1.5m - Full C&I - CI1633
80%
4.26%
31st January 2031
31/01/31
Currently 6.99%
£1,499
1499
Broker Exclusive - 5 Year Fixed <=80% - Loan <= £1.5m - Full C&I - CI1633
For loans up to 80% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£1,500,000
Minimum loan amount
£100,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£1,500,000
Minimum loan amount
£100,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,500,000
Minimum loan amount
£1,000,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 2 Year Fixed <=85% - Loan <= £1.5m - Full C&I - CI1657
85%
4.44%
31st January 2028
31/01/28
Currently 6.99%
£1,499
1499
Broker Exclusive - 2 Year Fixed <=85% - Loan <= £1.5m - Full C&I - CI1657
For loans up to 85% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,500,000
Minimum loan amount
£1,000,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Broker Exclusive - 5 Year Fixed <=85% - Loan <= £1.5m - Full C&I - CI1658
85%
4.29%
31st January 2031
31/01/31
Currently 6.99%
£1,499
1499
Broker Exclusive - 5 Year Fixed <=85% - Loan <= £1.5m - Full C&I - CI1658
For loans up to 85% of property value
Incentives
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for remortgage only.
Maximum loan amount
£1,500,000
Minimum loan amount
£150,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£500,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£500,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
2 Year Fixed <=90% LTV - Newly Qualified Professional - CI1361
90%
4.64%
31st January 2028
31/01/28
Currently 6.99%
£0
0
2 Year Fixed <=90% LTV - Newly Qualified Professional - CI1361
For loans up to 90% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants has become fully qualified within the last 5 years and is employed in one of the following professions: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Solicitors, Vets, with a current income of £30,000 or more.
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£150,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£100,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
5 Year Fixed <=90% LTV - Newly Qualified Professional - CI1365
90%
4.50%
31st January 2031
31/01/31
Currently 6.99%
£0
0
5 Year Fixed <=90% LTV - Newly Qualified Professional - CI1365
For loans up to 90% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants has become fully qualified within the last 5 years and is employed in one of the following professions: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Solicitors, Vets, with a current income of £30,000 or more.
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£150,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£100,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£600,001
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£1,000,000
Minimum loan amount
£600,001
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
None
Overpayment permitted
Yes, up to 5% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
None
Overpayment permitted
Yes, up to 5% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
2 Year Fixed <=95% LTV - Newly Qualified Professional - CI1457
95%
4.94%
31st January 2028
31/01/28
Currently 6.99%
£0
0
2 Year Fixed <=95% LTV - Newly Qualified Professional - CI1457
For loans up to 95% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants has become fully qualified within the last 5 years and is employed in one of the following professions: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Solicitors, Vets, with a current income of £30,000 or more.
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£150,000
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
5 Year Fixed <=95% LTV - Newly Qualified Professional - CI1458
95%
4.78%
31st January 2031
31/01/31
Currently 6.99%
£0
0
5 Year Fixed <=95% LTV - Newly Qualified Professional - CI1458
For loans up to 95% of property value
Incentives
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
This product is only available where one or more of the applicants has become fully qualified within the last 5 years and is employed in one of the following professions: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Solicitors, Vets, with a current income of £30,000 or more.
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£150,000
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
2.5% in year one 1.5% in year two
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
Purchase: One free valuation for properties up to £3m
Remortgage or Unencumbered: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m - we'll cover the first £1,640 of the valuation fee (no legal incentives)
All incentives are subject to qualifying criteria being met
Eligibility
Available for purchase & remortgage.
Maximum loan amount
£600,000
Minimum loan amount
£0
Early repayment charge
5% in year one 5% in year two 4% in year three 3% in year four 2% in year five
Overpayment permitted
Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.