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Residential Products

Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

  • Affordability calculator
  • Residential lending criteria
  • Mortgages for First time buyers
  • Mortgages for Self employed

We offer a range of Residential mortgages, giving your clients greater choice. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 24/07/2026.

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Residential products

60% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
3 years 4.70% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANSV
5 years 4.77% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSX

75% LTV | Residential 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 4.69% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2027, then 2% until 31/10/2028 ANSZ
3 years 4.75% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2028, then 2% until 31/10/2029 ANTB
5 years 4.82% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANTD

85% LTV | Residential 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 4.80% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANTL
3 years 4.84% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANTP
5 years 4.90% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANTR

90% LTV | Residential 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 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 3% until 31/08/2027, then 2% until 31/08/2028 ANBT
2 years 5.39% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.9% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2027, then 2% until 31/08/2028 ANBU
3 years 5.15% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/08/2028, then 2% until 31/08/2029 ANBV
3 years 5.29% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2028, then 2% until 31/08/2029 ANBW
5 years 5.15% Fixed until 31/08/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/08/2028, then 3% until 31/08/2030, then 2% until 31/08/2031 AMXC

95% LTV | Residential 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 5.59% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.9% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANTT
3 years 5.40% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/08/2028, then 2% until 31/08/2029 ANCA
3 years 5.52% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2028, then 2% until 31/08/2029 ANCB
5 years 5.39% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANTU

85% LTV | Residential 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 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.2% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX

75% LTV | Joint Borrower Sole Proprietor 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 4.45% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2027, then 2% until 31/10/2028 ANSN
5 years 4.54% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSP

85% LTV | Joint Borrower Sole Proprietor 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 4.56% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANSC
5 years 4.56% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSE

85% LTV | Joint Borrower Sole Proprietor 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 4.69% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANSQ
5 years 4.75% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSR

90% LTV | Joint Borrower Sole Proprietor 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 4.94% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANSH
2 years 4.99% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANSJ
5 years 4.87% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSK
5 years 4.92% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANSL

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 4.70% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2995
  • 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 31/10/2027, then 2% until 31/10/2028 ANTV
2 years 4.80% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £1995
  • 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 31/10/2027, then 2% until 31/10/2028 ANTW
2 years 4.90% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • 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 31/10/2027, then 2% until 31/10/2028 ANTX
2 years 4.90% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 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 31/10/2027, then 2% until 31/10/2028 ANTY
3 years 4.86% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £1995
  • 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 31/10/2028, then 2% until 31/10/2029 ANTZ
3 years 4.95% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • £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 31/10/2028, then 2% until 31/10/2029 ANUA
5 years 4.81% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £2995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUB
5 years 4.88% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £1995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUC
5 years 4.96% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUD
5 years 4.96% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUE

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 4.73% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2995
  • 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 31/10/2027, then 2% until 31/10/2028 ANUG
2 years 4.83% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2027, then 2% until 31/10/2028 ANUH
2 years 4.93% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2027, then 2% until 31/10/2028 ANUJ
2 years 4.93% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 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 31/10/2027, then 2% until 31/10/2028 ANUK
5 years 4.84% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £2995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUN
5 years 4.91% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUP
5 years 4.99% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUQ
5 years 4.99% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUR

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 4.86% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • 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 31/10/2027, then 2% until 31/10/2028 ANUT
2 years 4.96% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • 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 31/10/2027, then 2% until 31/10/2028 ANUU
2 years 4.96% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 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 31/10/2027, then 2% until 31/10/2028 ANUV
3 years 4.90% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £1995
  • 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 31/10/2028, then 2% until 31/10/2029 ANUW
5 years 4.96% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.1% APRC £1995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUX
5 years 5.04% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% APRC £995
  • 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUY
5 years 5.04% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £995
  • £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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANUZ

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 4.86% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVA
2 years 4.94% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • 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
 3% until 31/10/2027, then 2% until 31/10/2028 ANVB
2 years 5.05% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 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 31/10/2027, then 2% until 31/10/2028 ANVC
5 years 5.01% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVD
5 years 5.09% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £995
  • £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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVE

85% LTV | Bespoke Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.90% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVG
2 years 5.00% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVH
2 years 5.10% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 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 31/10/2027, then 2% until 31/10/2028 ANVJ
3 years 4.97% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANVK
3 years 5.02% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% 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 31/10/2028, then 2% until 31/10/2029 ANVL
5 years 5.03% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVN
5 years 5.11% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £995
  • £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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVP

90% LTV | Bespoke Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.03% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVQ
2 years 5.11% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVR
2 years 5.21% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVS
2 years 5.34% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANVT
3 years 5.13% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANVU
3 years 5.23% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANVV
3 years 5.28% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANVW
5 years 5.20% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVX
5 years 5.29% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVY
5 years 5.33% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANVZ

75% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.86% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/10/2027, then 2% until 31/10/2028 ANWA
2 years 4.96% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% 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 31/10/2027, then 2% until 31/10/2028 ANWB
5 years 4.97% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWC
5 years 5.04% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWD

80% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.95% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWE
2 years 5.05% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWG
5 years 5.02% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWH
5 years 5.10% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWJ

85% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.02% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWK
2 years 5.12% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWL
5 years 5.04% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWN
5 years 5.12% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWP

90% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.09% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWQ
2 years 5.23% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWR
2 years 5.38% Fixed until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 3% until 31/10/2027, then 2% until 31/10/2028 ANWS
5 years 5.18% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWT
5 years 5.29% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWU
5 years 5.38% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANWV

75% LTV | Bespoke Large Loans Variable Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% 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

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
 No Early Redemption Charges. PQR

85% LTV | Bespoke Large Loans Variable Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
 No Early Redemption Charges. ZZV

90% LTV | Bespoke Large Loans Variable Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
 No Early Redemption Charges. ZZW
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