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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, 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	RETN438	4.99% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.8% _APRC	60%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN437	5.30% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.7% _APRC	60%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN436	4.80% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.1% _APRC	60%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN435	4.95% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.1% _APRC	60%	£0
2 Year Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN399	5.85% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.0% _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}	7.0% _APRC	80%	£0
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN401	5.24% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.80% _APRC	80%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN402	5.55% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.80% _APRC	80%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN403	4.95% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	80%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN404	5.08% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	80%	£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 Variable Rate Base Rate Tracker Mortgage - Repayment and Interest Only	RETN406	6.30% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	7.10% _APRC	90%	£0
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN407	5.59% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	90%	£999
2 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN408	5.85% _{Until 31 October 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	90%	£0
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN409	5.10% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.30% _APRC	90%	£999
5 Year Fixed Rate Mortgage - Repayment and Interest Only	RETN410	5.25% _{Until 31 October 2029}	6.94% _{Standard Variable Rate}	6.20% _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 -RETN415 CON -RETN416	5.50% _{Until 30 November 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£999
2 Year Fixed Rate Mortgage	BUS RETN417 / CON RETN418	5.80% _{Until 30 November 2026}	6.94% _{Standard Variable Rate}	6.90% _APRC	80%	£0
5 Year Fixed Rate Mortgage	BUS RETN419 / CON RETN420	5.05% _{Until 30 November 2029}	6.94% _{Standard Variable Rate}	6.20% _APRC	80%	£999
5 Year Fixed Rate Mortgage	BUS RETN421 / CON RETN422	5.15% _{Until 30 November 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 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 Base Rate Tracker Mortgage	RETN426	6.15% _{Until 31 October 2029}	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 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

Complete our online form to request an appointment with one of our mortgage advisers.

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Speak to one of our friendly mortgage team about your options.

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Existing customer mortgage deals

Select your mortgage type below

4.99%

6.94%

6.8%

60%

£999

5.30%

6.94%

6.7%

60%

£0

4.80%

6.94%

6.1%

60%

£999

4.95%

6.94%

6.1%

60%

£0

5.85%

6.94%

7.0%

80%

£1999

6.25%

6.94%

7.0%

80%

£0

5.24%

6.94%

6.80%

80%

£999

5.55%

6.94%

6.80%

80%

£0

4.95%

6.94%

6.20%

80%

£999

5.08%

6.94%

6.20%

80%

£0

5.95%

6.94%

7.10%

90%

£1999

6.30%

6.94%

7.10%

90%

£0

5.59%

6.94%

6.90%

90%

£999

5.85%

6.94%

6.90%

90%

£0