On Tuesday, we will be launching a number of new residential mortgage deals including three new first-time buyer deals, a 2 year 90% LTV fixed rate purchase deal, two 5 year fixed rate purchase deals and two 5 year fixed rate remortgages in our intermediary semi-exclusive range.

We will also be cutting the rates on two first-time buyer 2 year fixed deals and a large number of 2 and 5 year fixed rate purchase and remortgage deals. There will be two small rate increases on a 2 year tracker purchase and a 2 year tracker remortgage deal.

Three 5 year fixed rate deals and a 2 year fixed rate first-time buyers deal are being withdrawn and there are a couple of small increases (I have highlighted these in red for you)

We are also reducing rates on a number of our buy-to-let purchase and remortgage deals.  Rates are being cut by between 1-16bps on the 2 year fixed rate deals and between 17-24bps on the 5 year deals.

Lastly we have also reduced a number of our core range products as well

Here’s a full run-down of the changes:

Residential

NEW: 5 year fixed rate purchase – First-time buyer only £500 cashback

[FO13226] 80% LTV 2.68% (APRC 3.4%, SVR 3.75%), £0 product fee

[FO13227] 85% LTV 2.87% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13228] 90% LTV 3.50% (APRC 3.7%, SVR 3.75%), £0 product fee

[To be eligible for one of these deals only one of the applicants is required to be a first-time buyer.]

 

NEW: 2 year fixed rate purchase

[FO13240] 90% LTV 2.21% (APRC 3.6%, SVR 3.75%), £995 product fee

 

NEW: 5 year fixed rate purchase

[FO13242] 60% LTV 1.93% (APRC 3.2%, SVR 3.75%), £995 product fee

[FO13246] 75% LTV 2.46% (APRC 3.3%, SVR 3.75%), £0 product fee

 

NEW: 5 year fixed rate remortgage

[FO13264] 70% LTV 2.43% (APRC 3.3%, SVR 3.75%), £0 product fee

[FO13266] 75% LTV 2.48% (APRC 3.3%, SVR 3.75%), £0 product fee

 

WITHDRAWAL:  2 year fixed rate purchase – First-time buyer only

[FO13171] 90% LTV 2.90% (APRC 3.5%, SVR 3.75%), £0 product fee

 

WITHDRAWAL:  5 year fixed rate purchase

[FO12994] 80% LTV 3.40% (APRC 3.7%, SVR 3.75%), £0 product fee

[FO12997] 85% LTV 3.40% (APRC 3.7%, SVR 3.75%), £0 product fee

 

WITHDRAWAL:  5 year fixed rate remortgage

[FO12995] 85% LTV 3.42% (APRC 3.7%, SVR 3.75%), £0 product fee

 

RATE CHANGE: 2 year fixed rate purchase – First-time buyer only

[FO13224] 80% LTV decreasing by 12bps from 2.32% to 2.21% (APRC 3.6%, SVR 3.75%), £0 product fee

[FO13225] 85% LTV decreasing by 17bps from 2.47% to 2.30% (APRC 3.6%, SVR 3.75%), £0 product fee

 

RATE CHANGE: 2 year fixed rate purchase

[FO13229] 60% LTV decreasing by 6bps from 1.34% to 1.28% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13230] 60% LTV decreasing by 7bps from 1.74% to 1.67% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13231] 70% LTV decreasing by 9bps from 1.43% to 1.34% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13232] 70% LTV decreasing by 17bps from 1.84% to 1.67% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13233] 75% LTV decreasing by 9bps from 1.48% to 1.39% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13234] 75% LTV decreasing by 17bps from 1.84% to 1.67% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13235] 80% LTV decreasing by 3bps from 1.48% to 1.45% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13236] 80% LTV decreasing by 11bps from 2.05% to 1.94% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13237] 85% LTV decreasing by 3bps from 1.58% to 1.55% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13238] 85% LTV decreasing by 16bps from 2.20% to 2.04% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13239] 90% LTV decreasing by 23bps from 2.88% to 2.65% (APRC 3.5%, SVR 3.75%), £0 product fee

 

RATE CHANGE: 5 year fixed rate purchase

[FO13241] 60% LTV decreasing by 20bps from 2.33% to 2.13% (APRC 3.2%, SVR 3.75%), £0 product fee

[FO13243] 70% LTV decreasing by 9bps from 2.27% to 2.18% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13244] 70% LTV decreasing by 60bps from 2.98% to 2.38% (APRC 3.3%, SVR 3.75%), £0 product fee

[FO13245] 75% LTV decreasing by 10bps from 2.30% to 2.20% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13247] 80% LTV decreasing by 20bps from 2.40% to 2.20% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13248] 85% LTV decreasing by 13bps from 2.55% to 2.42% (APRC 3.4%, SVR 3.75%), £995 product fee

[FO13249] 90% LTV decreasing by 14bps from 3.13% to 2.99% (APRC 3.6%, SVR 3.75%), £995 product fee

 

RATE CHANGE: 2 year tracker purchase

[TO3801] 60% LTV increasing by 5bps from 1.24% to 1.29% (APRC 3.5%, SVR 3.75%)(NatWest base rate +1.04%), £995 product fee

 

RATE CHANGE: 2 year fixed rate remortgage

[FO13250] 60% LTV decreasing by 2bps from 1.34% to 1.32% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13251] 60% LTV decreasing by 12bps from 1.85% to 1.73% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13252] 70% LTV decreasing by 9bps from 1.54% to 1.45% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13253] 70% LTV decreasing by 20bps from 1.98% to 1.78% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13254] 75% LTV decreasing by 9bps from 1.54% to 1.45% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13255] 75% LTV decreasing by 25bps from 2.03% to 1.78% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13256] 80% LTV decreasing by 1bps from 1.64% to 1.63% (APRC 3.5%, SVR 3.75%), £995 product fee

[FO13257] 80% LTV decreasing by 25bps from 2.13% to 1.88% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13258] 85% LTV decreasing by 11bps from 2.29% to 2.18% (APRC 3.5%, SVR 3.75%), £0 product fee

[FO13259] 90% LTV decreasing by 2bps from 2.35% to 2.33% (APRC 3.6%, SVR 3.75%), £995 product fee

[FO13260] 90% LTV decreasing by 15bps from 2.89% to 2.74% (APRC 3.6%, SVR 3.75%), £0 product fee

 

RATE CHANGE: 5 year fixed rate remortgage

[FO13261] 60% LTV decreasing by 11bps from 2.09% to 1.98% (APRC 3.2%, SVR 3.75%), £995 product fee

[FO13262] 60% LTV decreasing by 15bps from 2.33% to 2.18% (APRC 3.2%, SVR 3.75%), £0 product fee

[FO13263] 70% LTV decreasing by 9bps from 2.29% to 2.23% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13265] 75% LTV decreasing by 10bps from 2.34% to 2.24% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13267] 80% LTV decreasing by 15bps from 2.44% to 2.29% (APRC 3.3%, SVR 3.75%), £995 product fee

[FO13268] 85% LTV decreasing by 15bps from 2.59% to 2.44% (APRC 3.4%, SVR 3.75%), £995 product fee

[FO13269] 90% LTV decreasing by 30bps from 3.39% to 3.09% (APRC 3.6%, SVR 3.75%), £0 product fee

 

RATE CHANGE: 2 year tracker remortgage

[TO3802] 60% LTV increasing by 1bps from 1.33% to 1.34% (APRC 3.5%, SVR 3.75%)(NatWest base rate +1.09%), £995 product fee

 

Buy-to-let

2 year fixed rate purchase

[FO13217] 60% LTV decreasing by 1bps from 2.09% to 2.08% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO13218] 70% LTV decreasing by 14bps from 2.47% to 2.33% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO13219] 70% LTV decreasing by 16bps from 2.99% to 2.83% (APRC 4.1%, SVR 4.25%), £0 product fee

[FO13220] 75% LTV decreasing by 14bps from 2.47% to 2.33% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO13221] 75% LTV decreasing by 6bps from 2.99% to 2.93% (APRC 4.1%, SVR 4.25%), £0 product fee

 

5 year fixed rate purchase

[FO13222] 60% LTV decreasing by 17bps from 2.89% to 2.72% (APRC 4.0%, SVR 4.25%), £1,995 product fee

[FO13223] 70% LTV decreasing by 24bps from 3.29% to 3.05% (APRC 4.0%, SVR 4.25%), £1,995 product fee

 

2 year fixed rate remortgage

[FO13210] 60% LTV decreasing by 11bps from 2.19% to 2.08% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO13211] 60% LTV decreasing by 12bps from 2.77% to 2.65% (APRC 4.1%, SVR 4.25%), £0 product fee

[FO13212] 70% LTV decreasing by 13bps from 2.52% to 2.39% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO13213] 70% LTV decreasing by 11bps from 3.04% to 2.93% (APRC 4.1%, SVR 4.25%), £0 product fee

[FO13214] 75% LTV decreasing by 3bps from 2.52% to 2.49% (APRC 4.1%, SVR 4.25%), £995 product fee

 

5 year fixed rate remortgage

[FO13215] 60% LTV decreasing by 21bps from 2.94% to 2.73% (APRC 4.0%, SVR 4.25%), £1,995 product fee

[FO13216] 70% LTV decreasing by 24bps from 3.29% to 3.05% (APRC 4.1%, SVR 4.25%), £1,995 product fee

 

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

Early repayment charges:

2 year fixed rate: 2% until 31 January 2018, 1% until 31 January 2019

3 year fixed rate: 3% until 31 January 2018, 2% until 31 January 2019, 1% until 31 January 2020

5 year fixed rate: 5% until 31 January 2018, 4% until 31 January 2019, 3% until 31 January 2020, 2% until 31 January 2021, 1% until 31 January 2022

2 year tracker: 1% until 31 January 2018, 0.5% until 31 January 2019

 

Minimum loan amounts:

£25,000

 

For a complete listing of all our mortgage products, please visit the product page on our web site.