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Existing Borrower Mortgages

As a valued existing borrower, you have access to our exclusive range of existing borrower products. The products below are available if you are looking to borrow more money on your current property or are moving house and need to borrow more.  They are also for you if your current product is about to expire, and you wish to secure a new rate.

If your current mortgage product expires within the next 4 months, we will have written to you about this. If you are eligible to select your next mortgage product online, our letter will confirm how you do this and you can start the process by going to our product switch area. If you are not eligible to apply for your next product online, our letter will explain how you can apply for your next mortgage product

Our range of residential mortgages for existing borrowers

  • Existing Borrower Residential Discounted Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    4157 2 Year Discounted Rate up to 75% loan to value £0 £0 4.99% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4239 2 Year Discounted Rate up to 85% loan to value £495 £0 5.36% Variable for 2 Years (our standard variable rate Minus 2.88% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    4214 2 Year Discounted Rate up to 85% loan to value £995 £0 4.99% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    4013 2 Year Discounted Rate up to 95% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    2941 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4215 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value £995 £0 5.10% Variable for 2 Years (our standard variable rate Minus 3.14% discounted) 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4213 Residential Help to Buy 2 year Discounted Rate up to 75% loan to value £0 £0 5.09% Variable for 2 years (our standard variable rate Minus 3.15% discounted) 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  

    ¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

    If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

    All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

    Representative Example (based on a residential property purchase):

    The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.49% (equal to 2.75% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
    1 monthly repayment of £318.75, followed by
    24 monthly repayments of £763.48, followed by
    276 monthly repayments of £964.83
    The total amount payable would be £285,075.35 made up of the loan amount of £125,000.00 plus interest (£159,935.35), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.8% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

  • Existing Borrower Residential Fixed Rate Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    4216 2 Year Fixed Rate up to 60% loan to value £0 £0 4.90% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4217 2 Year Fixed Rate up to 60% loan to value £995 £0 4.60% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4261 5 Year Fixed Rate up to 60% loan to value £0 £0 4.45% Fixed for 5 Years 8.24% 6.7% Annual Percentage Rate of Charge (APRC)1 View  
    4243 5 Year Fixed Rate up to 60% loan to value £995 £0 4.30% Fixed for 5 Years 8.24% 6.6% Annual Percentage Rate of Charge (APRC)1 View  
    4220 2 Year Fixed Rate up to 75% loan to value £0 £0 5.00% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4221 2 Year Fixed Rate up to 75% loan to value £995 £0 4.70% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4237 5 Year Fixed Rate up to 75% loan to value £0 £0 4.60% Fixed for 5 Years 8.24% 6.7% Annual Percentage Rate of Charge (APRC)1 View  
    4238 5 Year Fixed Rate up to 75% loan to value £995 £0 4.45% Fixed for 5 Years 8.24% 6.7% Annual Percentage Rate of Charge (APRC)1 View  
    4262 2 Year Fixed Rate up to 85% loan to value £0 £0 5.25% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    4223 2 Year Fixed Rate up to 85% loan to value £995 £0 4.94% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4263 5 Year Fixed Rate up to 85% loan to value £0 £0 4.85% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  
    4246 5 Year Fixed Rate up to 85% loan to value £995 £0 4.59% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  
    4247 5 Year Fixed Rate up to 85% loan to value £1495 £0 4.50% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  
    4178 2 year Fixed Rate up to 95% loan to value £0 £0 5.50% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    4248 2 Year Fixed Rate up to 95% loan to value £995 £0 5.10% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
    4180 5 year Fixed Rate up to 95% loan to value £0 £0 4.90% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
    4249 5 Year Fixed Rate up to 95% loan to value £995 £0 4.75% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  
    4264 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £0 £0 5.10% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4265 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £995 £0 4.85% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4250 Residential Interest Only 5 Year Fixed Rate up to 75% loan to value £0 £0 4.70% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4266 Residential Interest Only 5 Year Fixed Rate up to 75% loan to value £995 £0 4.58% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4224 Residential Help to Buy 2 Year Fixed Rate up to 75% loan to value £0 £0 5.10% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
    4225 Residential Help to Buy 5 Year Fixed Rate up to 75% loan to value £0 £0 4.70% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  

    ¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

    If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

    Representative Example (based on a residential property purchase):

    The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.50% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
    1 monthly repayment of £18.78, followed by
    24 monthly repayments of £764.22, followed by
    276 monthly repayments of £964.92

    The total amount payable would be £284,817.98 made up of the loan amount of £125,000.00 plus interest (£159,677.98), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.8% APRC representative.

    Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

  • Our range of BTL mortgages for existing borrowers

  • Existing Borrower Buy to Let Discounted Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    4199 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value £0 £0 5.40% Variable for 2 Years (our standard variable rate Minus 2.84% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4200 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value £995 £0 5.25% Variable for 2 Years (our standard variable rate Minus 2.99% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4205 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value £0 £0 5.50% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4206 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value £995 £0 5.35% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4211 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £0 £0 5.50% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4212 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £995 £0 5.35% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  

    ¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

    All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

    Representative Example (based on a Non-portfolio Investment Property purchase):

    The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.4% (equal to 2.84% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
    1 monthly repayment of £313.52, followed by
    24 monthly repayments of £560.06, followed by
    276 monthly repayments of £852.57
    1 final payment of £125,000.00

    The total amount payable would be £374,204.28 made up of the loan amount of £125,000.00 plus interest (£249,064.28), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative.

    Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

  • Existing Borrower Buy to Let Fixed Rate Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    4228 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value £0 £0 5.15% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4189 Buy to Let Standard 2 year Fixed Rate up to 65% loan to value £995 £0 4.85% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4229 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value £1495 £0 4.70% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4230 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value £0 £0 4.55% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4191 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value £995 £0 4.50% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4192 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value £1495 £0 4.40% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4231 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value £0 £0 5.30% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4194 Buy to Let Standard 2 year Fixed Rate up to 75% loan to value £995 £0 5.15% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4195 Buy to Let Standard 2 year Fixed Rate up to 75% loan to value £1495 £0 4.99% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4232 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £0 £0 4.70% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4197 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value £995 £0 4.65% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4198 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value £1495 £0 4.55% Fixed for 5 Years 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    4233 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value £0 £0 5.40% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4202 Buy to Let Regulated Family 2 year Fixed Rate up to 75% loan to value £995 £0 5.25% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4234 Buy to Let Regulated Family 5 Year Fixed Rate up to 75% loan to value £0 £0 4.80% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
    4204 Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value £995 £0 4.75% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
    4235 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value £0 £0 5.40% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    4208 Buy to Let Portfolio 2 year Fixed Rate up to 75% loan to value £995 £0 5.25% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    4236 Buy to Let Portfolio 5 Year Fixed Rate up to 75% loan to value £0 £0 4.80% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
    4210 Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value £995 £0 4.75% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  

    ¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

    Representative Example (based on a Non-portfolio Investment Property purchase):

    The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.50% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
    1 monthly repayment of £18.78, followed by
    24 monthly repayments of £570.39, followed by
    276 monthly repayments of £852.60
    1 final payment of £125,000.00
    The total amount payable would be £374,165.74 made up of the loan amount of £125,000.00 plus interest (£249,025.74), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative.
    Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

  • THE MORTGAGED PROPERTY (WHICH COULD BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.