Tomorrow, we are introducing some changes to our core and semi-exclusive ranges (please note embargoed until 2pm).

Core – rate reductions on several of our 2 and 5 year fixed rate residential purchase re-mortgage deals and a reduction in some of the cashback amounts. New rates include a 60% LTV, £995 product fee cashback deal of 1.19%.

Semi-exclusives – withdrawal of two cashback deals, introduction of five new deals, rate changes on several purchase and remortgage products plus changes to cashback amounts including the introduction of cashback to some deals. New rates include a 60% LTV, £995 product fee deal of 1.15% and a 90% LTV, £0 product fee first-time buyer deal of 2.69% plus £750 cashback.

Here’s a full summary of the changes with product codes in brackets:

CORE RANGE

Residential

RATE AND CASHBACK CHANGES

First-time buyer 2 year fixed rate purchase

[FO14714] 90% LTV, decreasing by 3bps from 2.87% to 2.84% (3.7% APRC, 3.75% SVR), £0 product fee

2 year fixed rate purchase

[FO14689] 60% LTV, decreasing by 23bps from 1.42% to 1.19% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14690] 70% LTV, decreasing by 12bps from 1.43% to 1.31% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14691] 75% LTV, decreasing by 12bps from 1.45% to 1.33% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14692] 80% LTV, decreasing by 15bps from 1.58% to 1.43% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14693] 85% LTV, decreasing by 17bps from 1.67% to 1.50% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14694] 90% LTV, decreasing by 5bps from 3.25% to 3.20% (3.7% APRC, 3.75% SVR), £0 product fee

[FO14695] 95% LTV, increasing by 4bps from 4.29% to 4.33% (3.9% APRC, 3.75% SVR), £0 product fee

5 year fixed rate purchase

[FO14696] 60% LTV, decreasing by 9bps from 1.82% to 1.73% (3.1% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £250

[FO14697] 70% LTV, decreasing by 13bps from 2.09% to 1.95% (3.2% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14698] 75% LTV, decreasing by 10bps from 2.11% to 2.01% (3.2% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14699] 80% LTV, decreasing by 12bps from 2.26% to 2.14% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14700] 85% LTV, decreasing by 2bps from 2.42% to 2.40% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14701] 90% LTV, decreasing by 12bps from 2.93% to 2.81% (3.5% APRC, 3.75% SVR), £995 product fee

5 year fixed rate remortgage

[FO14702] 60% LTV, decreasing by 67bps from 2.59% to 1.92% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14703] 60% LTV, decreasing by 50bps from 3.15% to 2.65% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14704] 70% LTV, decreasing by 63bps from 2.73% to 2.10% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14705] 70% LTV, decreasing by 53bps from 3.18% to 2.75% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14706] 75% LTV, decreasing by 78bps from 2.88% to 2.10% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14707] 75% LTV, decreasing by 64bps from 3.39% to 2.75% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14708] 80% LTV, decreasing by 71bps from 2.98% to 2.27% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14709] 80% LTV, decreasing by 70bps from 3.55% to 2.85% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14710] 85% LTV, decreasing by 90bps from 3.28% to 2.38% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14711] 85% LTV, decreasing by 64bps from 3.58% to 2.94% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14712] 90% LTV, decreasing by 40bps from 3.43% to 3.03% (3.6% APRC, 3.75% SVR), £995 product fee

[FO14713] 90% LTV, decreasing by 69bps from 3.89% to 3.30% (3.6% APRC, 3.75% SVR), £0 product fee

SEMI-EXCLUSIVE RANGE

Residential

WITHDRAWALS

2 year fixed rate purchase

[FO14470] 60% LTV, 1.31% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

5 year fixed rate purchase

[FO14478] 70% LTV, 2.06% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

NEW

First-time buyer 2 year fixed rate purchase

[FO14749] 90% LTV, 2.69% (3.4% APRC, 3.75% SVR), £0 product fee plus £750 cashback

2 year fixed rate purchase

[FO14764] 75% LTV, 1.24% (3.5% APRC, 3.75% SVR), £995 product fee plus £350 cashback

[FO14765] 90% LTV, 2.04% (3.6% APRC, 3.75% SVR), £995 product fee

5 year fixed rate purchase

[FO14766] 60% LTV, 1.73% (3.5% APRC, 3.75% SVR), £995 product fee plus £350 cashback

[FO14767] 90% LTV, 3.79% (3.6% APRC, 3.75% SVR), £0 product fee

RATE AND CASHBACK CHANGES

First-time buyer 2 year fixed rate purchase

[FO14750] 80% LTV, decreasing by 10bps from 2.68% to 2.58% (3.4% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14751] 85% LTV, decreasing by 12bps from 2.87% to 2.75% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

First-time buyer 5 year fixed rate purchase

[FO14752] 90% LTV, decreasing by 41bps from 3.50% to 3.09% (3.6% APRC, 3.75% SVR), £0 product fee plus £500 cashback

2 year fixed rate purchase

[FO14715] 60% LTV, decreasing by 4bps from 1.82% to 1.78% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14716] 70% LTV, decreasing by 18bps from 1.42% to 1.24% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14717] 70% LTV, decreasing by 10bps from 1.91% to 1.81% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14718] 75% LTV, decreasing by 10bps from 1.91% to 1.81% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14719] 80% LTV, decreasing by 19bps from 1.53% to 1.34% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14720] 80% LTV, increasing by 14bps from 1.97% to 2.11% (3.5% APRC, 3.75% SVR), £0 product fee and introducing £500 cashback

[FO14721] 85% LTV, decreasing by 11bps from 1.56% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14722] 85% LTV, decreasing by 1bp from 2.12% to 2.11% (3.5% APRC, 3.75% SVR), £0 product fee and introducing £500 cashback

5 year fixed rate purchase

[FO14723] 60% LTV, decreasing by 24bps from 2.33% to 2.09% (3.2% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14724] 70% LTV, decreasing by 21bps from 2.39% to 2.18% (3.3% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14725] 75% LTV, decreasing by 12bps from 2.07% to 1.95% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cash back

[FO14726] 75% LTV, decreasing by 5bps from 2.41% to 2.36% (3.3% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14727] 80% LTV, decreasing by 7bps from 2.19% to 2.12% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14728] 85% LTV, decreasing by 4bps from 2.33% to 2.29% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14729] 90% LTV, decreasing by 8bps from 2.82% to 2.74% (3.6% APRC, 3.75% SVR), £995 product fee

2 year fixed rate remortgage

[FO14730] 60% LTV, decreasing by 14bps from 1.29% to 1.15 % (3.5% APRC, 3.75% SVR), £995 product fee

[FO14731] 60% LTV, decreasing by 11bps from 1.64% to 1.53% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14732] 70% LTV, decreasing by 5bps from 1.35% to 1.28% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14733] 70% LTV, decreasing by 12bps from 1.74% to 1.62% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14734] 75% LTV, decreasing by 7bps from 1.35% to 1.28% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14735] 75% LTV, decreasing by 12bps from 1.74% to 1.62% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14736] 80% LTV, decreasing by 15bps from 1.53% to 1.38% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14737] 85% LTV, decreasing by 13bps from 1.58% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14738] 85% LTV, decreasing by 16bps from 2.09% to 1.93% (3.5% APRC, 3.75% SVR). £0 product fee

[FO14739] 90% LTV, decreasing by 31bps from 2.49% to 2.18% (3.6% APRC, 3.75% SVR), £995 product fee

[FO14740] 90% LTV, decreasing by 26bps from 2.84% to 2.58% (3.6% APRC, 3.75% SVR). £0 product fee

5 year fixed rate remortgage

[FO14741] 60% LTV, decreasing by 9bps from 1.84% to 1.75% (3.1% APRC, 3.75% SVR), £995 product fee

[FO14742] 60% LTV, decreasing by 12bps from 2.09% to 1.97% (3.1% APRC, 3.75% SVR), £0 product fee

[FO14743] 70% LTV, decreasing by 12bps from 2.04% to 1.92% (3.2% APRC, 3.75% SVR ), £995 product fee

[FO14744] 70% LTV, decreasing by 20bps from 2.29% to 2.09% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14745] 75% LTV, decreasing by 6bps from 2.04% to 1.98% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14746] 75% LTV, decreasing by 16bps from 2.29% to 2.13% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14747] 80% LTV, decreasing by 10bps from 2.19% to 2.09% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14748] 90% LTV, decreasing by 30bps from 3.09% to 2.79% (3.6% APRC, 3.75% SVR), £995 product fee

Cashback offers:

Offer can be changed/withdrawn at any time

Early repayment charges may apply

Your home may be repossessed if you do not keep up repayments on your mortgage

Overpayments:

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 30 November 2018, 1% until 30 November 2019

5 year fixed rate: 5% until 30 November 2018, 4% until 30 November 2019, 3% until 30 November, 2% until 30 November 2021, 1% until 30 November 2022

Minimum loan amounts:

£25,000

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