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Bespoke Products

If your client has had pre-application approval from our Bespoke underwriting team, you can find a mortgage to suit their needs here.

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You’ll find a range of residential mortgages up to 90% LTV. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid).

Bespoke New Business – correct as of 29/11/2023
Bespoke Further Advances – correct as of 13/09/2023
Bespoke Product Transfers – correct as of 21/11/2023

Bespoke Products

60% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.14% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9FU
2 years 5.22% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9FV
2 years 5.22% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9FW
5 years 4.78% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AAAX
5 years 4.83% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AAAY
5 years 4.83% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AAAZ

70% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.26% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9FX
5 years 4.87% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABA

75% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.19% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9FY
2 years 5.29% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9FZ
2 years 5.29% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9GA
5 years 4.89% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABB
5 years 4.91% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.7% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABC
5 years 4.91% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABD

80% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.49% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9GB
5 years 5.01% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABE

85% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.49% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9GC
2 years 5.59% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9GD
5 years 5.07% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABG
5 years 5.13% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABH

90% LTV | Bespoke Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.89% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9GE
5 years 5.35% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABJ

90% LTV | Bespoke Green New Build Fixed Rates | For Purchases Only

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.99% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9GF
5 years 5.45% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.2% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABK

60% LTV | Bespoke Buy to Let Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.59% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £3995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CJ
2 years 5.69% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CK
2 years 5.73% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £2995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CL
5 years 5.40% Fixed

until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

 7.2% APRC £3995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CM
5 years 5.45% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CN
5 years 5.45% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £2995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CP

75% LTV | Bespoke Buy to Let Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.74% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £3995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CQ
2 years 5.84% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CR
2 years 5.88% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £2995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/01/2025, then 2% until 31/01/2026 9CS
5 years 5.48% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.2% APRC £3995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CT
5 years 5.53% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.2% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CU
5 years 5.53% Fixed

until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

 7.2% APRC £2995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9CV

75% LTV | Bespoke Large Loans Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.39% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9GG
5 years 5.02% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABL

80% LTV | Bespoke Large Loans Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.61% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9GH
5 years 5.11% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABN

85% LTV | Bespoke Large Loans Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.69% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9GJ
5 years 5.21% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABP

90% LTV | Bespoke Large Loans Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 6.09% Fixed until 31/01/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/01/2025, then 2% until 31/01/2026 9GK
5 years 5.80% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 28/02/2026, then 3% until 29/02/2028, then 2% until 28/02/2029 AABQ

75% LTV | Bespoke Large Loans Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.3% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 No Early Redemption Charges. PQQ

80% LTV | Bespoke Large Loans Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.3% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 No Early Redemption Charges. PQR

85% LTV | Bespoke Large Loans Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.3% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 No Early Redemption Charges. ZZV

90% LTV | Bespoke Large Loans Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.3% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 No Early Redemption Charges. ZZW

60% LTV | Bespoke Product Transfer Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.22% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £1495 None 3% until 31/03/2025, then 2% until 31/03/2026 9KY
5 years 5.17% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495 None 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9AF

75% LTV | Bespoke Product Transfer Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.29% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £1495 None 3% until 31/03/2025, then 2% until 31/03/2026 9KZ
5 years 5.25% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495 None 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9AH

85% LTV | Bespoke Product Transfer Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.59% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495 None 3% until 31/03/2025, then 2% until 31/03/2026 9LA
5 years 5.38% Fixed until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £1495 None 4% until 31/01/2026, then 3% until 31/01/2028, then 2% until 31/01/2029 9AK

All LTV | Bespoke Product Transfer Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.89% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 31/03/2025, then 2% until 31/03/2026 9LB
5 years 5.49% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9LC

90% LTV | Bespoke Further Advance Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 6.75% Fixed until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 8.1% APRC £0 None 3% until 30/11/2024, then 2% until 30/11/2025 8MD
5 years 6.00% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £0 None 4% until 30/11/2025, then 3% until 30/11/2027, then 2% until 30/11/2028 8ME

90% LTV | Bespoke Further Advance Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.4% APRC £0 None No Early Redemption Charges. T9S

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