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Standard residential mortgages

Buying your own home is one of the biggest financial decisions you’ll ever make. We understand no two borrowers are the same which is why we offer a flexible approach to mortgage criteria with manual underwriting. The range includes 95% Residential mortgages, where you only need a 5% deposit to get on the property ladder.

Our Standard Residential mortgages offer a Joint Borrower Sole Proprietor option, which may be useful if affordability is tight, as we take into account parent’s income when assessing the mortgage application, without them becoming a legal owner of the property. Give our mortgage team a call to chat about your individual situation.

Mortgages are secured against your home. You could lose your home if you do not keep up payments on your mortgage.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

Monthly payments calculator

Use the calculator to find out what your monthly payments might be based on the mortgage product and the type and term of your borrowing.

Mortgage details

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Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Variable mortgages

Our Standard Variable Rate (SVR) is currently 8.39% (variable).

There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name
Residential variable for 2 years
Initial rate
5.74%
Discount from SVR
2.65%
Overall cost for comparison
7.9% APRC
Max LTV %
80%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Fee Saver 95% Residential variable for 2 years
Initial rate
6.69%
Discount from SVR
1.70%
Overall cost for comparison
8.2% APRC
Max LTV %
95%
Product fee
£0
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Fee Saver 80% Residential variable for 2 years
Initial rate
5.99%
Discount from SVR
2.40%
Overall cost for comparison
7.9% APRC
Max LTV %
80%
Product fee
£0
Mortgage repayment
£XXX.xx per month
Calculate
Product name
95% Residential variable for 2 years
Initial rate
6.44%
Discount from SVR
1.95%
Overall cost for comparison
8.2% APRC
Max LTV %
95%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 8.39% (variable) after the initial rate period.

Product name
Residential fixed for 5 years
Initial rate
4.59%
Overall cost for comparison
6.8% APRC
Max LTV %
80%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
95% Residential fixed for 5 years
Initial rate
5.19%
Overall cost for comparison
7.4% APRC
Max LTV %
95%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Residential fixed for 2 years
Initial rate
4.99%
Overall cost for comparison
7.5% APRC
Max LTV %
80%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
95% Residential fixed for 2 years
Initial rate
5.89%
Overall cost for comparison
8.1% APRC
Max LTV %
95%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate

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