Rate reductions

From Saturday 28 October, we're reducing selected rates across our New Business and Existing Customer Switchers product range.

Please see below for full details:

New Business

Buy to Let - Purchase and Remortgage

  • 1 Year Fixed rate, 75% LTV with 2% fee - reduced from 4.74% to 4.49%

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.74% to 4.49%
  • 2 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.69% to 5.64%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.99% to 5.89%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 4.79% to 4.74%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.79% to 5.74%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.19% to 5.99%

  • 5 Year Fixed rate, 55% LTV with 3% fee - reduced from 4.84% to 4.69%
  • 5 Year Fixed rate, 55% LTV with £1,495 fee - reduced from 5.14% to 4.99%
  • 5 Year Fixed rate, 55% LTV with £0 fee - reduced from 5.44% to 5.24%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.89% to 4.74%
  • 5 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.19% to 5.04%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.49% to 5.29%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.14% to 4.94%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.49% to 5.29%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.69% to 5.44%

Buy to Let - Purchase and Remortgage - Free Standard Valuation & £400 Cashback

  • 1 Year Fixed rate, 75% LTV with 2% fee - reduced from 5.49% to 5.24%

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.34% to 4.99%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 6.94% to 6.49%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.49% to 5.24%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.99% to 6.59%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.04% to 4.84%
  • 5 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.39% to 5.19%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.59% to 5.39%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.64% to 5.44%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Buy to Let - Remortgage Only - Free Standard Valuation & Free Legals

  • 1 Year Fixed rate, 75% LTV with 2% fee - reduced from 5.39% to 4.99%

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.99% to 4.84%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 6.29% to 6.19%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.94% to 5.89%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 5 Year Fixed rate, 55% LTV with 3% fee - reduced from 4.94% to 4.79%
  • 5 Year Fixed rate, 55% LTV with £1,495 fee - reduced from 5.24% to 5.09%
  • 5 Year Fixed rate, 55% LTV with £0 fee - reduced from 5.54% to 5.34%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.99% to 4.84%
  • 5 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.29% to 5.14%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.59% to 5.39%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.59% to 5.39%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Buy to Let - Further Advance Only

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.99% to 4.84%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 6.29% to 6.19%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.99% to 4.84%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.59% to 5.39%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Buy to Let - Green Further Advance Only - Free Standard Valuations (available where 100% of funds will be used for Green improvements to the security) (see lending criteria for more details)

  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.29% to 5.19%

Let to Buy - Remortgage Only - Free Standard Valuation & £400 Cashback

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.54% to 5.19%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 7.14% to 6.69%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.69% to 5.44%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 7.19% to 6.79%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.24% to 5.04%
  • 5 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.59% to 5.39%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.79% to 5.59%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.44% to 5.19%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.84% to 5.64%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.99% to 5.74%

Houses in Multiple Occupation - Purchase, Remortgage and Further Advance

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.89% to 5.79%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.39%

Large Portfolio Buy to Let - Remortgage Only - Free Standard Valuation & Free Legals

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.94% to 5.89%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.59% to 5.39%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Large Portfolio Buy to Let - Purchase and Remortgage - Free Standard Valuation & £400 Cashback

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.49% to 5.24%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.99% to 6.59%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.64% to 5.44%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Large Portfolio Buy to Let - Further Advances Only - Free Standard Valuations

  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

Large Portfolio Buy to Let - Further Advances Only - Free Standard Valuations - (available where 100% of funds will be used for Green improvements to the security)

  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.29% to 5.19%

Large Portfolio Let to Buy - Remortgage Only - Free Standard Valuation & £400 Cashback

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.69% to 5.44%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.44% to 5.19%

Large Portfolio Houses in Multiple Occupation - Purchase, Remortgage and Further Advance - Free Standard Valuation & £400 Cashback

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.89% to 5.79%

Limited Company Buy to Let - Purchase, Remortgage and Further Advance - Free Standard Valuation

  • 1 Year Fixed rate, 75% LTV with 2% fee - reduced from 5.84% to 5.49%

  • 5 Year Fixed rate, 70% LTV with 5% fee - reduced from 5.44% to 5.19%

  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.24% to 6.14%

Limited Company Buy to Let - Remortgage Only - Free Standard Valuation & Free Legals 

  • 5 Year Fixed rate, 70% LTV with 5% fee - reduced from 5.49% to 5.29%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.84% to 5.79%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.34% to 6.19%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.44% to 6.39%

Limited Company Houses in Multiple Occupation - Purchase, Remortgage & Further Advance

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.89% to 5.79%

Existing Customer Switchers

Buy to Let products - Switcher product range


  • 2 Year Fixed rate, 55% LTV with 3% fee - reduced from 4.89% to 4.49%
  • 2 Year Fixed rate, 55% LTV with £1,495 fee - reduced from 5.79% to 5.74%
  • 2 Year Fixed rate, 55% LTV with £0 fee - reduced from 6.34% to 6.09%

  • 2 Year Fixed rate, 65% LTV with 3% fee - reduced from 4.94% to 4.84%
  • 2 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.84% to 5.79%
  • 2 Year Fixed rate, 65% LTV with £0 fee - reduced from 6.39% to 6.19%

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.04% to 4.99%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.04% to 5.89%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 2 Year Fixed rate, 80% LTV with 2% fee - reduced from 5.99% to 5.79%
  • 2 Year Fixed rate, 80% LTV with £0 fee - reduced from 6.99% to 6.79%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.29% to 6.99%

  • 3 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.24% to 4.84%
  • 3 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.89% to 5.59%
  • 3 Year Fixed rate, 65% LTV with £0 fee - reduced from 6.24% to 5.94%

  • 3 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.34% to 4.99%
  • 3 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.99% to 5.74%
  • 3 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.34% to 6.09%

  • 5 Year Fixed rate, 55% LTV with 3% fee - reduced from 4.99% to 4.79%
  • 5 Year Fixed rate, 55% LTV with £1,495 fee - reduced from 5.34% to 5.09%
  • 5 Year Fixed rate, 55% LTV with £0 fee - reduced from 5.54% to 5.34%

  • 5 Year Fixed rate, 65% LTV with 3% fee - reduced from 5.04% to 4.84%
  • 5 Year Fixed rate, 65% LTV with £1,495 fee - reduced from 5.34% to 5.14%
  • 5 Year Fixed rate, 65% LTV with £0 fee - reduced from 5.59% to 5.39%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.64% to 5.39%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

  • 5 Year Fixed rate, 80% LTV with 2% fee - reduced from 5.99% to 5.89%
  • 5 Year Fixed rate, 80% LTV with £0 fee - reduced from 6.39% to 6.29%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 6.94% to 6.49%

Houses in Multiple Occupation - Switcher product range

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.84% to 5.49%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.94% to 6.79%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 7.34% to 6.99%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 8.49% to 7.99%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.99% to 5.79%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.39% to 6.14%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.59% to 6.39%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.24% to 6.99%

Large Portfolio - Switcher product range

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.04% to 4.99%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.04% to 5.89%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.49% to 6.29%

  • 2 Year Fixed rate, 80% LTV with 2% fee - reduced from 5.99% to 5.79%
  • 2 Year Fixed rate, 80% LTV with £0 fee - reduced from 6.99% to 6.79%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.29% to 6.99%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.24% to 4.99%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 5.64% to 5.39%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 5.79% to 5.54%

  • 5 Year Fixed rate, 80% LTV with 2% fee - reduced from 5.99% to 5.89%
  • 5 Year Fixed rate, 80% LTV with £0 fee - reduced from 6.39% to 6.29%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 6.94% to 6.49%

Large Portfolio Houses in Multiple Occupation - Switcher product range

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.84% to 5.49%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.94% to 6.79%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 7.34% to 6.99%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 8.49% to 7.99%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.99% to 5.79%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.39% to 6.14%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.59% to 6.39%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.24% to 6.99%

Limited Company - Switcher product range

  • 2 Year Fixed rate, 80% LTV with 2% fee - reduced from 7.29% to 6.79%
  • 2 Year Fixed rate, 80% LTV with £0 fee - reduced from 8.29% to 7.79%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 8.49% to 7.99%

  • 5 Year Fixed rate, 70% LTV with 5% fee - reduced from 5.39% to 5.29%

  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.29% to 6.14%

  • 5 Year Fixed rate, 80% LTV with 2% fee - reduced from 6.84% to 6.39%
  • 5 Year Fixed rate, 80% LTV with £0 fee - reduced from 7.24% to 6.79%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.49% to 6.99%

Limited Company Houses in Multiple Occupation - Switcher product range

  • 2 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.84% to 5.64%
  • 2 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.94% to 6.79%
  • 2 Year Fixed rate, 75% LTV with £0 fee - reduced from 7.34% to 6.99%

  • 2 Year Fixed rate, No Limit LTV with £0 fee - reduced from 8.49% to 7.99%

  • 5 Year Fixed rate, 75% LTV with 3% fee - reduced from 5.99% to 5.79%
  • 5 Year Fixed rate, 75% LTV with £1,495 fee - reduced from 6.39% to 6.14%
  • 5 Year Fixed rate, 75% LTV with £0 fee - reduced from 6.59% to 6.39%

  • 5 Year Fixed rate, No Limit LTV with £0 fee - reduced from 7.49% to 6.99%
Download our latest new business product guide Download our switcher product guide