Rate reductions and introduction of 3 year fixed rates

From Wednesday 21 July, we'll be making rate reductions and introducing 3 year fixed rates across our ranges.

Full details of the changes below.

House purchase
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£1,499
0.91% Reduced by 0.08%
2 year fixed rate 0% - 60%
£999
0.94% Reduced by 0.20%
2 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.20%
2 year fixed rate 60.01% - 75%
£1,499
1.04% Reduced by 0.10%
2 year fixed rate 60.01% - 75%
£999
1.09% Reduced by 0.10%
2 year fixed rate 60.01% - 75%
£0
1.59% Reduced by 0.10%
2 year fixed rate 75.01% - 80%
£1,499
1.64% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£999
1.69% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.20%
2 year fixed rate 80.01% - 85%
£1,499
1.89% Reduced by 0.20%
2 year fixed rate 80.01% - 85%
£999
1.94% Reduced by 0.20%
2 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.25%
2 year fixed rate 85.01% - 90%
£1,499
2.29% Reduced by 0.35%
2 year fixed rate 85.01% - 90%
£999
2.34% Reduced by 0.35%
2 year fixed rate 85.01% - 90%
£0
2.59% Reduced by 0.40%
2 year fixed rate 90.01% - 95%
£999
3.35% Reduced by 0.19%
2 year fixed rate 90.01% - 95%
£0
3.39% Reduced by 0.20%
3 year fixed rate 0% - 60%
£999
0.94% NEW
3 year fixed rate 0% - 60%
£0
1.14% NEW
3 year fixed rate 60.01% - 75%
£999
1.09% NEW
3 year fixed rate 60.01% - 75%
£0
1.59% NEW
3 year fixed rate 75.01% - 80%
£999
1.69% NEW
3 year fixed rate 75.01% - 80%
£0
2.14% NEW
3 year fixed rate 80.01% - 85%
£999
1.94% NEW
3 year fixed rate 80.01% - 85%
£0
2.29% NEW
3 year fixed rate 85.01% - 90%
£999
2.34% NEW
3 year fixed rate 85.01% - 90%
£0
2.59% NEW
3 year fixed rate 90.01% - 95%
£999
3.35% NEW
3 year fixed rate 90.01% - 95%
£0
3.39% NEW
5 year fixed rate 0% - 60%
£1,499
0.99% Reduced by 0.10%
5 year fixed rate 0% - 60%
£999
1.04% Reduced by 0.10%
5 year fixed rate 0% - 60%
£0
1.29% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£1,499
1.23% Reduced by 0.11%
5 year fixed rate 60.01% - 75%
£999
1.28% Reduced by 0.12%
5 year fixed rate 75.01% - 80%
£1,499
1.94% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£999
1.99% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£0
2.29% Reduced by 0.15%
5 year fixed rate 80.01% - 85%
£1,499
2.29% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£999
2.34% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£0
2.59% Reduced by 0.15%
5 year fixed rate 85.01% - 90%
£1,499
2.89% Reduced by 0.30%
5 year fixed rate 85.01% - 90%
£999
2.94% Reduced by 0.30%
5 year fixed rate 85.01% - 90%
£0
3.04% Reduced by 0.40%
5 year fixed rate 90.01% - 95%
£999
3.59% Reduced by 0.15%
5 year fixed rate 90.01% - 95%
£0
3.64% Reduced by 0.20%

First time buyers
Rate type LTV Product fee Rate Notes
2 year fixed rate 60.01% - 75%
£1,499
1.14% Reduced by 0.10%
2 year fixed rate 60.01% - 75%
£999
1.19% Reduced by 0.10%
2 year fixed rate 75.01% - 80%
£1,499
1.74% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£999
1.79% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£0
2.34% Reduced by 0.05%
2 year fixed rate 80.01% - 85%
£1,499
1.99% Reduced by 0.15%
2 year fixed rate 80.01% - 85%
£999
2.04% Reduced by 0.15%
2 year fixed rate 80.01% - 85%
£0
2.44% Reduced by 0.25%
2 year fixed rate 85.01% - 90%
£1,499
2.39% Reduced by 0.35%
2 year fixed rate 85.01% - 90%
£999
2.44% Reduced by 0.35%
2 year fixed rate 85.01% - 90%
£0
2.74% Reduced by 0.30%
2 year fixed rate 90.01% - 95%
£999
3.35% Reduced by 0.24%
2 year fixed rate 90.01% - 95%
£0
3.54% Reduced by 0.10%
3 year fixed rate 0% - 60%
£999
1.08% NEW
3 year fixed rate 0% - 60%
£0
1.39% NEW
3 year fixed rate 60.01% - 75%
£999
1.19% NEW
3 year fixed rate 60.01% - 75%
£0
1.74% NEW
3 year fixed rate 75.01% - 80%
£999
1.79% NEW
3 year fixed rate 75.01% - 80%
£0
2.34% NEW
3 year fixed rate 80.01% - 85%
£999
2.04% NEW
3 year fixed rate 80.01% - 85%
£0
2.44% NEW
3 year fixed rate 85.01% - 90%
£999
2.44% NEW
3 year fixed rate 85.01% - 90%
£0
2.74% NEW
3 year fixed rate 90.01% - 95%
£999
3.35% NEW
3 year fixed rate 90.01% - 95%
£0
3.54% NEW
5 year fixed rate 0% - 60%
£1,499
1.09% Reduced by 0.10%
5 year fixed rate 0% - 60%
£999
1.14% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£1,499
1.29% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£999
1.34% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£1,499
1.99% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£999
2.04% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£0
2.39% Reduced by 0.05%
5 year fixed rate 80.01% - 85%
£1,499
2.34% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£999
2.39% Reduced by 0.20%
5 year fixed rate 80.01% - 85%
£0
2.69% Reduced by 0.10%
5 year fixed rate 85.01% - 90%
£1,499
2.94% Reduced by 0.25%
5 year fixed rate 85.01% - 90%
£999
2.99% Reduced by 0.25%
5 year fixed rate 85.01% - 90%
£0
3.14% Reduced by 0.35%
5 year fixed rate 90.01% - 95%
£999
3.59% Reduced by 0.15%
5 year fixed rate 90.01% - 95%
£0
3.64% Reduced by 0.20%

Remortgage
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£1,499
0.91% Reduced by 0.08%
2 year fixed rate 0% - 60%
£999
0.94% Reduced by 0.10%
2 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.14%
2 year fixed rate 60.01% - 75%
£999
1.12% Reduced by 0.07%
2 year fixed rate 60.01% - 75%
£0
1.59% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£999
1.75% Reduced by 0.04%
2 year fixed rate 80.01% - 85%
£999
1.99% Reduced by 0.30%
2 year fixed rate 80.01% - 85%
£0
2.44% Reduced by 0.20%
3 year fixed rate 0% - 60%
£999
0.94% NEW
3 year fixed rate 0% - 60%
£0
1.14% NEW
3 year fixed rate 60.01% - 75%
£999
1.12% NEW
3 year fixed rate 60.01% - 75%
£0
1.59% NEW
3 year fixed rate 75.01% - 80%
£999
1.75% NEW
3 year fixed rate 75.01% - 80%
£0
2.29% NEW
3 year fixed rate 80.01% - 85%
£999
1.99% NEW
3 year fixed rate 80.01% - 85%
£0
2.44% NEW
5 year fixed rate 0% - 60%
£1,499
0.99% Reduced by 0.15%
5 year fixed rate 0% - 60%
£999
1.04% Reduced by 0.15%
5 year fixed rate 0% - 60%
£0
1.29% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£999
1.29% Reduced by 0.20%
5 year fixed rate 60.01% - 75%
£0
1.69% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£999
1.99% Reduced by 0.10%
5 year fixed rate 75.01% - 80%
£0
2.44% Reduced by 0.05%
5 year fixed rate 80.01% - 85%
£999
2.54% Reduced by 0.05%
5 year fixed rate 80.01% - 85%
£0
2.79% Reduced by 0.10%

Existing borrowers house purchase
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£1,499
0.91% Reduced by 0.03%
2 year fixed rate 0% - 60%
£999
0.94% Reduced by 0.05%
2 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.10%
2 year fixed rate 60.01% - 75%
£0
1.59% Reduced by 0.05%
2 year fixed rate 75.01% - 80%
£1,499
1.64% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£999
1.69% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£1,499
1.89% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£999
1.94% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.20%
2 year fixed rate 85.01% - 90%
£1,499
2.29% Reduced by 0.22%
2 year fixed rate 85.01% - 90%
£999
2.34% Reduced by 0.22%
2 year fixed rate 85.01% - 90%
£0
2.59% Reduced by 0.30%
2 year fixed rate 90.01% - 95%
£999
3.35% Reduced by 0.05%
2 year fixed rate 90.01% - 95%
£0
3.39% Reduced by 0.15%
3 year fixed rate 0% - 60%
£999
0.94% NEW
3 year fixed rate 0% - 60%
£0
1.14% NEW
3 year fixed rate 60.01% - 75%
£999
1.09% NEW
3 year fixed rate 60.01% - 75%
£0
1.59% NEW
3 year fixed rate 75.01% - 80%
£999
1.69% NEW
3 year fixed rate 75.01% - 80%
£0
2.14% NEW
3 year fixed rate 80.01% - 85%
£999
1.94% NEW
3 year fixed rate 80.01% - 85%
£0
2.29% NEW
3 year fixed rate 85.01% - 90%
£999
2.34% NEW
3 year fixed rate 85.01% - 90%
£0
2.59% NEW
3 year fixed rate 90.01% - 95%
£999
3.35% NEW
3 year fixed rate 90.01% - 95%
£0
3.39% NEW
5 year fixed rate 0% - 60%
£1,499
0.99% Reduced by 0.10%
5 year fixed rate 0% - 60%
£999
1.04% Reduced by 0.09%
5 year fixed rate 0% - 60%
£0
1.29% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£1,499
1.23% Reduced by 0.04%
5 year fixed rate 60.01% - 75%
£999
1.28% Reduced by 0.04%
5 year fixed rate 60.01% - 75%
£0
1.69% Reduced by 0.05%
5 year fixed rate 75.01% - 80%
£1,499
1.94% Reduced by 0.07%
5 year fixed rate 75.01% - 80%
£999
1.99% Reduced by 0.07%
5 year fixed rate 75.01% - 80%
£0
2.29% Reduced by 0.15%
5 year fixed rate 80.01% - 85%
£1,499
2.29% Reduced by 0.10%
5 year fixed rate 80.01% - 85%
£999
2.34% Reduced by 0.10%
5 year fixed rate 80.01% - 85%
£0
2.59% Reduced by 0.15%
5 year fixed rate 85.01% - 90%
£1,499
2.89% Reduced by 0.20%
5 year fixed rate 85.01% - 90%
£999
2.94% Reduced by 0.20%
5 year fixed rate 85.01% - 90%
£0
3.04% Reduced by 0.25%
5 year fixed rate 90.01% - 95%
£999
3.59% Reduced by 0.11%
5 year fixed rate 90.01% - 95%
£0
3.64% Reduced by 0.20%

Rate Switch
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999
0.91% Reduced by 0.03%
2 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£999
1.64% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£999
1.89% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.20%
2 year fixed rate 85.01% - 90%
£999
2.29% Reduced by 0.22%
2 year fixed rate 85.01% - 90%
£0
2.59% Reduced by 0.30%
2 year fixed rate 90.01% - 95%
£0
3.39% Reduced by 0.05%
3 year fixed rate 0% - 60%
£999
0.91% Reduced by 0.18%
3 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.20%
3 year fixed rate 60.01% - 75%
£999
1.04% Reduced by 0.23%
3 year fixed rate 60.01% - 75%
£0
1.49% Reduced by 0.25%
3 year fixed rate 75.01% - 80%
£999
1.64% Reduced by 0.37%
3 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.30%
3 year fixed rate 80.01% - 85%
£999
1.89% Reduced by 0.50%
3 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.45%
3 year fixed rate 85.01% - 90%
£999
2.29% Reduced by 0.80%
3 year fixed rate 85.01% - 90%
£0
2.59% Reduced by 0.70%
3 year fixed rate 90.01% - 95%
£999
3.29% Reduced by 0.35%
3 year fixed rate 90.01% - 95%
£0
3.39% Reduced by 0.35%
5 year fixed rate 0% - 60%
£999
0.99% Reduced by 0.10%
5 year fixed rate 0% - 60%
£0
1.29% Reduced by 0.05%
5 year fixed rate 60.01% - 75%
£999
1.23% Reduced by 0.04%
5 year fixed rate 60.01% - 75%
£0
1.69% Reduced by 0.05%
5 year fixed rate 75.01% - 80%
£999
1.94% Reduced by 0.07%
5 year fixed rate 75.01% - 80%
£0
2.29% Reduced by 0.15%
5 year fixed rate 80.01% - 85%
£999
2.29% Reduced by 0.10%
5 year fixed rate 80.01% - 85%
£0
2.59% Reduced by 0.15%
5 year fixed rate 85.01% - 90%
£999
2.89% Reduced by 0.20%
5 year fixed rate 85.01% - 90%
£0
3.04% Reduced by 0.25%
5 year fixed rate 90.01% - 95%
£999
3.54% Reduced by 0.10%
5 year fixed rate 90.01% - 95%
£0
3.64% Reduced by 0.10%

Additional borrowing
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£999
0.91% Reduced by 0.03%
2 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£999
1.64% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£999
1.89% Reduced by 0.10%
2 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.20%
3 year fixed rate 0% - 60%
£999
0.91% Reduced by 0.18%
3 year fixed rate 0% - 60%
£0
1.14% Reduced by 0.20%
3 year fixed rate 60.01% - 75%
£999
1.04% Reduced by 0.23%
3 year fixed rate 60.01% - 75%
£0
1.49% Reduced by 0.25%
3 year fixed rate 75.01% - 80%
£999
1.64% Reduced by 0.37%
3 year fixed rate 75.01% - 80%
£0
2.14% Reduced by 0.30%
3 year fixed rate 80.01% - 85%
£999
1.89% Reduced by 0.50%
3 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.45%
5 year fixed rate 0% - 60%
£999
0.99% Reduced by 0.10%
5 year fixed rate 0% - 60%
£0
1.29% Reduced by 0.05%
5 year fixed rate 60.01% - 75%
£999
1.23% Reduced by 0.04%
5 year fixed rate 60.01% - 75%
£0
1.69% Reduced by 0.05%
5 year fixed rate 75.01% - 80%
£999
1.94% Reduced by 0.07%
5 year fixed rate 75.01% - 80%
£0
2.29% Reduced by 0.15%
5 year fixed rate 80.01% - 85%
£999
2.29% Reduced by 0.10%
5 year fixed rate 80.01% - 85%
£0
2.59% Reduced by 0.15%

Additional Borrowing when switching
Rate type LTV Product fee Rate Notes
2 year fixed rate 0% - 60%
£0
0.91% Reduced by 0.03%
2 year fixed rate 75.01% - 80%
£0
1.64% Reduced by 0.03%
2 year fixed rate 80.01% - 85%
£0
1.89% Reduced by 0.10%
3 year fixed rate 0% - 60%
£0
0.91% Reduced by 0.18%
3 year fixed rate 60.01% - 75%
£0
1.04% Reduced by 0.23%
3 year fixed rate 75.01% - 80%
£0
1.64% Reduced by 0.37%
3 year fixed rate 80.01% - 85%
£0
1.89% Reduced by 0.50%
5 year fixed rate 0% - 60%
£0
0.99% Reduced by 0.10%
5 year fixed rate 60.01% - 75%
£0
1.23% Reduced by 0.04%
5 year fixed rate 75.01% - 80%
£0
1.94% Reduced by 0.07%
5 year fixed rate 80.01% - 85%
£0
2.29% Reduced by 0.10%

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