Selected rate changes

From Wednesday 4 November, we're making changes to selected 2, 3, 5 and 10 year fixed rates and 2 year tracker rates.

  • First time buyers and house purchase - 2 and 5 year fixed and 2 year tracker rates at 60% LTV reduced by up to 0.40%.
  • First time buyers and house purchase (Shared Equity) - 2 and 5 year fixed and 2 year tracker rates at 60% LTV reduced by up to 0.30%.
  • Existing borrowers house purchase - 5 year fixed rates at 60% LTV reduced by up to 0.10%.
  • Existing borrowers house purchase (Shared Equity) - 2 and 5 year fixed and 2 year tracker rates at 60% LTV reduced by up to 0.30%.
  • Remortgage - 5 year fixed at 60% LTV reduced by up to 0.10%
  • Switchers - selected 2, 3, 5 & 10 year fixed and 2 year tracker rates up to 95% LTV increased by up to 0.35%.

Full details of the changes below.

First time buyers and house purchase
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999 
1.34% Reduced by 0.40% 
5 year fixed rate 0% - 60%
£999
1.44% Reduced by 0.35%
2 year fixed rate 0% - 60%
£999
1.64% Reduced by 0.20%

First time buyers and house purchase (Shared Equity)
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999 
1.44% Reduced by 0.30% 
5 year fixed rate 0% - 60%
£999
1.74% Reduced by 0.15%
2 year fixed rate 0% - 60%
£999
1.64% Reduced by 0.20%

Remortgage
Rate type LTV   Product fee  Rate  Notes
5 year fixed rate 0% - 60%
£1,499
1.39% Reduced by 0.10%
5 year fixed rate 0% - 60%
£999
1.44% Reduced by 0.10%

Existing borrowers house purchase
Rate type LTV   Product fee  Rate  Notes
5 year fixed rate 0% - 60%
£999
1.44% Reduced by 0.10%

Existing borrowers house purchase (Shared Equity)
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999
1.44%
Increased by 0.30%
5 year fixed rate 0% - 60%
£999
1.74% Increased by 0.15%
2 year tracker rate 0% - 60%
£999
1.64% Increased by 0.20%

Switchers
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£0
1.59%
Increased by 0.05% 
2 year fixed rate 75.01% - 80%
£999
1.64%
Increased by 0.10% 
2 year fixed rate 75.01% - 80%
£0
2.19%
Increased by 0.35% 
2 year fixed rate 80.01% - 85%
£999
2.19%
Increased by 0.10%
2 year fixed rate 80.01% - 85%
£0
2.84%
Increased by 0.35%
2 year fixed rate 85.01% - 90%
£999
2.94%
Increased by 0.15%
2 year fixed rate 85.01% - 90%
£0
3.24%
Increased by 0.25%
2 year fixed rate 90.01% - 95%
£999
3.29%
Increased by 0.25%
2 year fixed rate 90.01% - 95%
£0
3.44%
Increased by 0.25%
3 year fixed rate 0% - 60%
£0
1.69%
Increased by 0.05%
3 year fixed rate 60.01% - 75%
£999
1.54%
Increased by 0.05%
3 year fixed rate 75.01% - 80%
£999
1.84%
Increased by 0.05%
3 year fixed rate 75.01% - 80%
£0
2.24%
Increased by 0.30%
3 year fixed rate 80.01% - 85%
£0
2.84%
Increased by 0.35%
3 year fixed rate 85.01% - 90%
£999
3.34%
Increased by 0.30%
3 year fixed rate 85.01% - 90%
£0
3.54%
Increased by 0.30%
5 year fixed rate 75.01% - 80%
£0
2.24%
Increased by 0.30%
5 year fixed rate 80.01% - 85%
£0
2.84%
Increased by 0.35%
5 year fixed rate 85.01% - 90%
£999
3.34%
Increased by 0.30%
5 year fixed rate 85.01% - 90%
£0
3.54%
Increased by 0.30%
10 year fixed rate 0% - 60%
£0
2.39%
Increased by 0.15%
10 year fixed rate 80.01% - 85%
£999
3.04%
Increased by 0.25%
10 year fixed rate 80.01% - 85%
£0
3.14%
Increased by 0.25%
10 year fixed rate 85.01% - 90%
£999
3.49%
Increased by 0.25%
10 year fixed rate 85.01% - 90%
£0
3.59%
Increased by 0.25%
2 year tracker rate 0% - 60%
£999
1.34%
Increased by 0.10%
2 year tracker rate 0% - 60%
£0
1.69%
Increased by 0.15%
2 year tracker rate 75.01% - 80%
£999
1.74%
Increased by 0.05%
2 year tracker rate 75.01% - 80%
£0
2.29%
Increased by 0.05%
2 year tracker rate 80.01% - 85%
£0
2.94%
Increased by 0.05%
2 year tracker rate 85.01% - 90%
£999
3.04%
Increased by 0.35%
2 year tracker rate 85.01% - 90%
£0
3.34%
Increased by 0.20%
2 year tracker rate 90.01% - 95%
£999
3.39%
Increased by 0.35%
2 year tracker rate 90.01% - 95%
£0
3.54%
Increased by 0.35%

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