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Existing customer mortgage deals

If your current mortgage deal is ending, or you're on our Standard Variable Rate (SVR), then you might be wondering how to switch your mortgage to a different deal.

We like to reward our loyal mortgage customers, so we have a range of exclusive rates just for our existing customers which offer preferential rates.

Existing mortgage customers who are switching deals, won’t need to go through any credit checks or underwriting.

Select your mortgage type below

Residential

	Product Code	Initial Rate¹	Followed by²	Overall cost for comparison³	Maximum LTV⁴	Fees⁵
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN437	4.99% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.80% _APRC	60%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN438	5.30% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.70% _APRC	60%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN435	4.80% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.10% _APRC	60%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN436	4.95% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.10% _APRC	60%	£0
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only	RETN439	5.45% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£999
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only	RETN465	5.75% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£0
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN463	5.90% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	80%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN400	6.25% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	80%	£0
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN446	5.15% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.80% _APRC	80%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN447	5.35% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.80% _APRC	80%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN448	4.85% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.10% _APRC	80%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN449	4.99% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.10% _APRC	80%	£0
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only	RETN441	5.99% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	90%	£999
2 Year Discounted Variable Rate Mortgage - Repayment and Interest Only	RETN443	6.15% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	90%	£0
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN464	5.99% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	90%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN450	6.45% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	90%	£0
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN452	5.80% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	90%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN451	6.05% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	90%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN453	5.30% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.40% _APRC	90%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN454	5.45% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.40% _APRC	90%	£0
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN405	5.95% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.10% _APRC	90%	£1999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN411	6.05% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	95%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN412	6.25% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	95%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN413	5.55% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	95%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN414	5.75% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.30% _APRC	95%	£0

1 The starting rate of interest which will be charged on your mortgage

2 After your initial rate period the interest rate will switch to the lenders variable rate

3 The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes

4 The amount of your loan as a percentage of the total value of your property

5 These could be reservation or administration fees that are payable on your mortgage deal

Buy-to-Let

	Product Code	Initial Rate¹	Followed by²	Overall cost for comparison³	Maximum LTV⁴	Fees⁵
2 Year Fixed Rate Mortgage	BUS -RETN455 CON -RETN456	5.50% _{Until 31 December 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£999
2 Year Fixed Rate Mortgage	BUS RETN457 / CON RETN458	5.80% _{Until 31 December 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£0
5 Year Fixed Rate Mortgage	BUS RETN459 / CON RETN460	5.05% _{Until 31 December 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	80%	£999
5 Year Fixed Rate Mortgage	BUS RETN461 / CON RETN462	5.15% _{Until 31 December 2029}	6.94% _{Standard Variable Rate}	6.30% _APRC	80%	£0

The starting rate of interest which will be charged on your mortgage

2 After your initial rate period the interest rate will switch to the lenders variable rate

4 The amount of your loan as a percentage of the total value of your property

5 These could be reservation or administration fees that are payable on your mortgage deal

Large Loans

	Product Code	Initial Rate¹	Followed by²	Overall cost for comparison³	Maximum LTV⁴	Fees⁵
2 Year Variable Rate Discounted Mortgage	RETN442	5.99% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	65%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage	RETN423	6.09% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	65%	£1999
2 Year Fixed Rate Mortgage	RETN424	5.60% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	65%	£1999
5 Year Fixed Rate Mortgage	RETN425	5.10% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.40% _APRC	65%	£1999
2 Year Variable Rate Discounted Mortgage	RETN444	6.05% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	7.00% _APRC	75%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage	RETN426	6.15% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	75%	£1999
2 Year Fixed Rate Mortgage	RETN427	5.65% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	75%	£1999
5 Year Fixed Rate Mortgage	RETN428	5.15% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.40% _APRC	75%	£1999
2 Year Variable Rate Discounted Mortgage	RETN445	6.05% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	80%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage	RETN429	6.15% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	7.00% _APRC	80%	£1999
2 Year Fixed Rate Mortgage	RETN430	5.65% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£1999
5 Year Fixed Rate Mortgage	RETN431	5.15% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	80%	£1999
2 Year Variable Rate Base Rate Tracker Mortgage	RETN432	6.20% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.00% _APRC	85%	£1999
2 Year Fixed Rate Mortgage	RETN433	6.70% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	85%	£1999
5 Year Fixed Rate Mortgage	RETN434	5.20% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	85%	£1999

1 The starting rate of interest which will be charged on your mortgage

2 After your initial rate period the interest rate will switch to the lenders variable rate

4 The amount of your loan as a percentage of the total value of your property

5 These could be reservation or administration fees that are payable on your mortgage deal

Self Employed

Product Code

Initial Rate¹

Followed by²

Overall cost for comparison³

Maximum LTV⁴

Fees⁵

2 Year Fixed Rate Mortgage

SEMP126

5.95%

_{Until 31 October 2026}

6.94%

_{Standard Variable Rate}

7.00%

_APRC

80%

£999

2 Year Fixed Rate Mortgage

SEMP127

6.05%

_{Until 31 October 2026}

6.94%

_{Standard Variable Rate}

7.00%

_APRC

80%

£0

1 The starting rate of interest which will be charged on your mortgage

2 After your initial rate period the interest rate will switch to the lenders variable rate

4 The amount of your loan as a percentage of the total value of your property

5 These could be reservation or administration fees that are payable on your mortgage deal

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Existing customer mortgage deals

Select your mortgage type below

4.99%

6.94%

6.80%

60%

£999

5.30%

6.94%

6.70%

60%

£0

4.80%

6.94%

6.10%

60%

£999

4.95%

6.94%

6.10%

60%

£0

5.45%

6.94%

6.90%

80%

£999

5.75%

6.94%

6.90%

80%

£0

5.90%

6.94%

7.00%

80%

£1999

6.25%

6.94%

7.00%

80%

£0

5.15%

6.94%

6.80%

80%

£999

5.35%

6.94%

6.80%

80%

£0

4.85%

6.94%

6.10%

80%

£999

4.99%

6.94%

6.10%

80%

£0

5.99%

6.94%

7.00%

90%

£999

6.15%

6.94%

7.00%

90%

£0