Variable interest rates – existing customers

For your main home
Loan to Value (LTV) Loan to Value Rate APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 3.10% 3.17%
< 60% 3.25% 3.32%
< 70% 3.30% 3.37%
< 80% 3.60% 3.68%
< 90% 3.90% 3.99%
For buy to let properties
Loan to Value (LTV) Loan to Value Rate Capital & Interest** APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan. Rate Interest only** APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 4.40% 4.77% 4.50% 4.87%
< 60% 4.75% 5.13% 4.85% 5.24%
< 70% 4.75% 5.13% 4.85% 5.24%
< 80% 4.80% 5.19% 4.90% 5.29%

*APRC = Annual Percentage Rate of Charge
**An interest-only period  is available for the first 5 years of the loan

Fixed interest rates – existing customers

3 Year Fixed Rates

For your main home
Loan to Value (LTV) Loan to Value Rate APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 3.30% 3.23%
< 60% 3.45% 3.38%
< 70% 3.50% 3.43%
< 80% 3.80% 3.75%
< 90% 4.10% 4.06%

 5 Year Fixed Rates

For your main home
Loan to Value (LTV) Loan to Value Rate APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 3.45% 3.34%
< 60% 3.50% 3.44%
< 70% 3.55% 3.49%
< 80% 3.80% 3.78%
< 90% 4.15% 4.12%

*APRC = Annual Percentage Rate of Charge

 

 

Regulatory Notices

Where a variable interest rate applies to the loan:
Warning: The cost of your monthly repayments may increase.

Where a fixed interest rate applies to the loan:
Warning: You may have to pay charges if you pay off a fixed-rate loan early.