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Bespoke products

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

Our Bespoke service

We offer personalised underwriting for clients who don’t fit the mould.

Details of Bespoke

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

Filter Products

Showing 29 Products

The Bank of Ireland Standard Variable Rate is currently 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 18/09/2020.

60% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 1.70% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £995

£350 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 30/11/2021 then 2% until 30/11/2022 NLH
2 Yrs 1.80% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Interest Only

Part & Part

Capital Repayment

 3% until 30/11/2021 then 2% until 30/11/2022 NLJ
5 Yrs 1.92% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.4% APRC £995

£350 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 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NLL
70% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 1.83% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £995

£350 Cashback paid to solicitor with advance

Standard Valuation Fee paid by lender

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

 3% until 30/11/2021 then 2% until 30/11/2022 NLN
2 Yrs 1.92% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

 3% until 30/11/2021 then 2% until 30/11/2022 NLP
5 Yrs 2.10% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.4% APRC £995

£350 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NLQ
75% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 1.80% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,495

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 30/11/2021 then 2% until 30/11/2022 NLR
2 Yrs 1.90% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £995

£350 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 30/11/2021 then 2% until 30/11/2022 NLS
5 Yrs 2.12% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.4% APRC £1,495

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 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NLU
5 Yrs 2.20% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.5% APRC £995

£350 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 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NLV
80% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 2.91% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £1495

Minimum Loan £150,000

Maximum Loan £850,000

Repayment Methods:

Capital Repayment

 3% until 30/11/2021 then 2% until 30/11/2022 NKN
5 Yrs 2.93% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1495

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £850,000

Repayment Methods:

Capital Repayment

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NKP
85% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 3.26% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £1,495

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

 3% until 30/11/2021 then 2% until 30/11/2022 NLX
5 Yrs 3.28% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £1,495

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NLY
90% LTV | Residential Fixed Rates Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 Yrs 3.99% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 NPS
90% LTV | Residential Standard Variable Rate Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £500,000

Repayment Methods:

Capital Repayment

 None GBS
75% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 1.79% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,495

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

 3% until 30/11/2021 then 2% until 30/11/2022 Speak to your BDM for more information
2 Yrs 1.90% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

 3% until 30/11/2021 then 2% until 30/11/2022 Speak to your BDM for more information
5 Yrs 2.17% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.5% APRC £1,495

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 Speak to your BDM for more information
5 Yrs 2.35% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.6% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 Speak to your BDM for more information
80% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 3.11% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,250,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

 3% until 30/11/2021 then 2% until 30/11/2022 Speak to your BDM for more information
5 Yrs 3.13% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £1,495

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 Speak to your BDM for more information
85% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 Yrs 3.46% Fixed

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £1,995

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

 3% until 30/11/2021 then 2% until 30/11/2022 Speak to your BDM for more information
5 Yrs 3.48% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £1,495

Minimum Loan £150,000

Maximum Loan £1,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 Speak to your BDM for more information
90% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 Yrs 4.05% Fixed

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025 Speak to your BDM for more information
60% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 None Speak to your BDM for more information
75% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 None Speak to your BDM for more information
80% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

 None Speak to your BDM for more information
90% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products
Term Rate Description The Overall Cost of Comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

Minimum Loan £150,000

Maximum Loan £1,000,000

Repayment Methods:

Capital Repayment

 None Speak to your BDM for more information

60% LTV | Residential Fixed Rates Print products

Term2
Rate1.70% Fixed
CodeNLH
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£995
Features

£350 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

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term2
Rate1.80% Fixed
CodeNLJ
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Interest Only

Part & Part

Capital Repayment

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate1.92% Fixed
CodeNLL
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.4% APRC
Product Fee
£995
Features

£350 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

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

70% LTV | Residential Fixed Rates Print products

Term2
Rate1.83% Fixed
CodeNLN
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£995
Features

£350 Cashback paid to solicitor with advance

Standard Valuation Fee paid by lender

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term2
Rate1.92% Fixed
CodeNLP
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate2.10% Fixed
CodeNLQ
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.4% APRC
Product Fee
£995
Features

£350 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Part & Part (Interest Only element maximum 60% LTV)

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

75% LTV | Residential Fixed Rates Print products

Term2
Rate1.80% Fixed
CodeNLR
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,495
Features

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)

 

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term2
Rate1.90% Fixed
CodeNLS
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£995
Features

£350 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)

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate2.12% Fixed
CodeNLU
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.4% APRC
Product Fee
£1,495
Features

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)

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025
Term5
Rate2.20% Fixed
CodeNLV
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.5% APRC
Product Fee
£995
Features

£350 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)

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

80% LTV | Residential Fixed Rates Print products

Term2
Rate2.91% Fixed
CodeNKN
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.0% APRC
Product Fee
£1495
Features

Minimum Loan £150,000

Maximum Loan £850,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate2.93% Fixed
CodeNKP
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1495
Features

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £850,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

85% LTV | Residential Fixed Rates Print products

Term2
Rate3.26% Fixed
CodeNLX
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.1% APRC
Product Fee
£1,495
Features

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate3.28% Fixed
CodeNLY
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.9% APRC
Product Fee
£1,495
Features

Standard Valuation Fee paid by Lender

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

90% LTV | Residential Fixed Rates Print products

Term5
Rate3.99% Fixed
CodeNPS
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.1% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £750,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

90% LTV | Residential Standard Variable Rate Print products

TermStandard Variable
Rate4.09% Variable
CodeGBS
Description

which is our Standard Variable Rate for the entire mortgage term

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £500,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
None

75% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products

Term2
Rate1.79% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,495
Features

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term2
Rate1.90% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate2.17% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.5% APRC
Product Fee
£1,495
Features

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025
Term5
Rate2.35% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.6% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

80% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products

Term2
Rate3.11% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.1% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,250,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate3.13% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
3.8% APRC
Product Fee
£1,495
Features

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

85% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products

Term2
Rate3.46% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.1% APRC
Product Fee
£1,995
Features

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

 

Early Repayment Charges (% of the sum repaid)
3% until 30/11/2021 then 2% until 30/11/2022
Term5
Rate3.48% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.0% APRC
Product Fee
£1,495
Features

Minimum Loan £150,000

Maximum Loan £1,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

90% LTV | Bespoke PLUS Fixed Rates | Available on an exception basis only Print products

Term5
Rate4.05% Fixed
CodeSpeak to your BDM for more information
Description

until 30/11/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
4% until 30/11/2022 then 3% until 30/11/2024 then 2% until 30/11/2025

60% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products

TermStandard Variable
Rate4.09% Variable
CodeSpeak to your BDM for more information
Description

which is our Standard Variable Rate for the entire mortgage term

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £2,500,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
None

75% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products

TermStandard Variable
Rate4.09% Variable
CodeSpeak to your BDM for more information
Description

which is our Standard Variable Rate for the entire mortgage term

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £2,000,000

Repayment Methods:

Capital Repayment

Interest Only*

Part & Part*

*For Interest Only and Part & Part mortgages, the maximum Interest Only element is 50% LTV

Early Repayment Charges (% of the sum repaid)
None

80% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products

TermStandard Variable
Rate4.09% Variable
CodeSpeak to your BDM for more information
Description

which is our Standard Variable Rate for the entire mortgage term

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £1,500,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
None

90% LTV | Bespoke PLUS Variable Rates | Available on an exception basis only Print products

TermStandard Variable
Rate4.09% Variable
CodeSpeak to your BDM for more information
Description

which is our Standard Variable Rate for the entire mortgage term

The Overall Cost of Comparison
4.2% APRC
Product Fee
£0
Features

Minimum Loan £150,000

Maximum Loan £1,000,000

Repayment Methods:

Capital Repayment

Early Repayment Charges (% of the sum repaid)
None

Definitions

Standard legal fees: if your product states that standard legal fees are paid by the lender, we will pay the fees if you use our nominated solicitors. Additional legal work may incur additional fees, please refer to our lending criteria for full details. Terms and conditions apply.

Interest Only and Part & Part mortgages: Please see our lending criteria for terms and conditions.

Our Bespoke service

We offer personalised underwriting for clients who don’t fit the mould.

Details of Bespoke

Changes to our criteria

Close

We’ve made some temporary changes to our criteria, so we can continue to lend responsibly. Please see our Covid-19 page for more details.

We’re making some system changes over the weekend

Our website will be temporarily unavailable from 12pm Saturday 4th November until 9am Monday 6th November. We apologise for any inconvenience.