Selected rate changes

From Wednesday 13 January, we're reducing selected 2, 3, 5 and 10 year fixed rates and 2 year tracker rates.

  • First time buyers and house purchase (including Shared Equity) - 2 and 5 year fixed and 2 year tracker rates up to 90% LTV reduced by up to 0.40%.
  • Remortgage - 2 and 5 year fixed and 2 year tracker rates up to 85% LTV reduced by up to 0.45%.
  • Existing borrowers house purchase and additional borrowing - selected 2 and 5 year fixed and 2 year tracker rates up to 85% LTV reduced by up to 0.45%.
  • Switchers - selected 2, 3, 5 & 10 year fixed rates up to 75% LTV reduced by up to 0.20%.

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 
 1.24% Reduced by 0.10% 
2 year fixed rate 0% - 60%
£0
 1.74% Reduced by 0.25% 
2 year fixed rate 60.01% - 75%
£999 
 1.59% Reduced by 0.40% 
2 year fixed rate 60.01% - 75%
£0
 2.04% Reduced by 0.20% 
2 year fixed rate 75.01% - 80%
£999 
 2.04% Reduced by 0.20% 
2 year fixed rate 80.01% - 85%
£999 
 2.79% Reduced by 0.05% 
2 year fixed rate 85.01% - 90%
£999 
 3.24% Reduced by 0.25% 
2 year fixed rate 85.01% - 90%
£0
 3.49% Reduced by 0.25% 
5 year fixed rate 0% - 60%
£999 
 1.39% Reduced by 0.05% 
5 year fixed rate 0% - 60%
£0
 1.89% Reduced by 0.10% 
5 year fixed rate 60.01% - 75%
£999 
 1.84% Reduced by 0.25% 
5 year fixed rate 75.01% - 80%
£999 
 2.29% Reduced by 0.15% 
5 year fixed rate 80.01% - 85%
£999 
 2.94% Reduced by 0.30% 
5 year fixed rate 80.01% - 85%
£0
 3.29% Reduced by 0.15% 
5 year fixed rate 85.01% - 90%
£999 
 3.44% Reduced by 0.10% 
5 year fixed rate 85.01% - 90%
£0 
 3.64% Reduced by 0.10% 
2 year tracker rate 0% - 60%
£0
 1.84% Reduced by 0.25% 
2 year tracker rate 60.01% - 75%
£999 
 1.69% Reduced by 0.40% 
2 year tracker rate 60.01% - 75%
£0 
 2.14% Reduced by 0.20% 
2 year tracker rate 75.01% - 80%
£999 
 2.24% Reduced by 0.10% 

First time buyers and house purchase (Shared Equity)
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£0
 1.84% Reduced by 0.15%
2 year fixed rate 60.01% - 75%
£999
 1.79% Reduced by 0.20%
2 year fixed rate 60.01% - 75%
£0
 2.09% Reduced by 0.15%
2 year fixed rate 75.01% - 80%
£999
 2.19% Reduced by 0.05%
5 year fixed rate 0% - 60%
£0
 1.94% Reduced by 0.15% 
5 year fixed rate 60.01% - 75%
£999
 1.94% Reduced by 0.15%
2 year tracker rate 0% - 60%
£0
 1.84% Reduced by 0.25%
2 year tracker rate 60.01% - 75%
£999
 1.69% Reduced by 0.40%
2 year tracker rate 60.01% - 75%
£0
 2.14% Reduced by 0.20%
2 year tracker rate 75.01% - 80%
£999
 2.24% Reduced by 0.10%

Remortgage
Rate type LTV   Product fee  Rate  Notes
2 year fixed rate 0% - 60%
£1,499
 1.14% Reduced by 0.05%
2 year fixed rate 0% - 60%
£999
 1.19% Reduced by 0.10%
2 year fixed rate 0% - 60%
£0
 1.59% Reduced by 0.15%
2 year fixed rate 60.01% - 75%
£999
 1.54% Reduced by 0.05%
2 year fixed rate 60.01% - 75%
£0
 1.94% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£999
 2.09% Reduced by 0.05%
2 year fixed rate 80.01% - 85%
£999
 2.64% Reduced by 0.20%
2 year fixed rate 80.01% - 85%
£0
 2.99% Reduced by 0.10%
5 year fixed rate 0% - 60%
£1,499
 1.29% Reduced by 0.05%
5 year fixed rate 0% - 60%
£0
 1.69% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£0
 1.94% Reduced by 0.05%
5 year fixed rate 75.01% - 80%
£999
 2.24% Reduced by 0.20%
5 year fixed rate 75.01% - 80%
£0
 2.49% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£999
 2.79% Reduced by 0.45%
5 year fixed rate 80.01% - 85%
£0
 2.99% Reduced by 0.45%

Existing borrowers house purchase and additional borrowing
Rate type LTV   Product fee  Rate  Notes
2 year fixed rate 0% - 60%
£999
 1.24% Reduced by 0.05%
2 year fixed rate 0% - 60%
£0
 1.59% Reduced by 0.15%
2 year fixed rate 60.01% - 75%
£999
 1.54% Reduced by 0.05%
2 year fixed rate 60.01% - 75%
£0
 1.94% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£999
 2.04% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£999
 2.64% Reduced by 0.20%
2 year fixed rate 80.01% - 85%
£0
 2.99% Reduced by 0.10%
2 year fixed rate 85.01% - 90%
£999
 3.24% Reduced by 0.25%
2 year fixed rate 85.01% - 90%
£0
 3.49% Reduced by 0.25%
5 year fixed rate 0% - 60%
£0
 1.69% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£0
 1.94% Reduced by 0.05%
5 year fixed rate 75.01% - 80%
£999
 2.24% Reduced by 0.20%
5 year fixed rate 75.01% - 80%
£0
 2.49% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£999
 2.79% Reduced by 0.45%
5 year fixed rate 80.01% - 85%
£0
 3.29% Reduced by 0.15%
5 year fixed rate 85.01% - 90%
£999
 3.44% Reduced by 0.10%
5 year fixed rate 85.01% - 90%
£0
 3.64% Reduced by 0.10%

Existing borrowers house purchase (Shared Equity)
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£0
1.84%
 Reduced by 0.15%
2 year fixed rate 60.01% - 75%
£999
 1.79% Reduced by 0.20%
2 year fixed rate 60.01% - 75%
£0
2.09%
 Reduced by 0.15%
2 year fixed rate 75.01% - 80%
£999
 2.19% Reduced by 0.05%
5 year fixed rate 0% - 60%
£0
1.94%
 Reduced by 0.15%
5 year fixed rate 60.01% - 75%
£999
 1.94% Reduced by 0.15%
2 year tracker rate 0% - 60%
£0
1.84%
 Reduced by 0.25%
2 year tracker rate 60.01% - 75%
£999
 1.69% Reduced by 0.40%
2 year tracker rate 60.01% - 75%
£0
2.14%
 Reduced by 0.20%
2 year tracker rate 75.01% - 80%
£999
 2.24% Reduced by 0.10%

Switchers
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999
1.09%
 Reduced by 0.10% 
2 year fixed rate 0% - 60%
£0
1.49%
 Reduced by 0.10% 
2 year fixed rate 60.01% - 75%
£0
1.74%
 Reduced by 0.05% 
3 year fixed rate 0% - 60%
£999
1.29%
 Reduced by 0.05%
3 year fixed rate 0% - 60%
£0
1.59%
 Reduced by 0.10%
5 year fixed rate 0% - 60%
£999
1.24%
 Reduced by 0.10%
5 year fixed rate 0% - 60%
£0
1.49%
 Reduced by 0.20%
5 year fixed rate 60.01% - 75%
£0
1.79%
 Reduced by 0.05%
10 year fixed rate 60.01% - 75%
£999
2.19%
 Reduced by 0.10%
10 year fixed rate 60.01% - 75%
£0
2.54%
 Reduced by 0.05%

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