Our straight forward, no nonsense mortgages come with no hidden fees and flexible benefits as standard. Fixed, variable or a combination of both, you'll find a mortgage to meet your client's needs.
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No higher lending charges
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Competitive product fees for fixed rate and tracker mortgages
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All products are portable helping your client to move (conditions apply).
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Flexible features include overpayments and underpayments (conditions apply).
Tracker flexibility
The rate your client pays is directly linked to movements in the Bank of England Base Rate (BBR). Each time the BBR changes, your client's rate will change in time for their next payment (within 30 days). Tracker mortgages allow your clients to take advantage of current low interest rates and are available over a range of mortgage terms.
Switch and Fix
Tracker mortgages offer the option to switch to one of our switcher fixed rate products at any time during the mortgage deal period without paying early repayment charges on the tracker mortgage. This gives your client the confidence of knowing that if interest rates rise causing their payments to increase, they have the option to switch to a switcher fixed rate product at any time during the mortgage deal period, only paying any product fee for the new fixed rate product.
Transparent conditions
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Overpayments of more than £500 per month during your client's tracker period will incur early repayment charges.
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If the Bank of England Base rate is 0.00% or less during the tracker period, the rate your client pays will be 0.00% plus the agreed set percentage above the Bank of England base rate. This means that the rate your client pays will never go below 0.00% plus the additional percentage rate of their tracker mortgage. This is known as the tracker floor.
Fixed rate security
Fixed rates are a great way to help your client budget their payments and stay in control. Borrowers know exactly what their mortgage will cost every month.
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Fix your client's interest rate for a range of deal periods e.g. 2, 3 or 5 years
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Available with or without a product fee (non-refundable at completion)
Transparent conditions - Fixed & Tracker Mortgages
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At the end of the mortgage term your client automatically moves to our fully flexible Standard Mortgage Rate (SMR) which has no upper limit or cap.
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Overpayments of more than £500 per month during your client's fixed rate period will incur early repayment charges. View all early repayment charges
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