Capital and Interest Mortgages

Flexible, competitive mortgages for your clients

We offer a range of repayment mortgage products, designed to appeal to both purchasers and current owners. Our product range is available for new applications, and product transfers are available to eligible customers. We take a flexible approach to this sector of the market - talk to us about the needs of your clients.

View interest only mortgages

(Information correct as at 7th November 2024).

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
Broker Exclusive - 2 Year Fixed <= 65% LTV - Capital and Interest - BO1628	65%	4.64%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <= 75% LTV - Capital and Interest - BO1629	75%	4.67%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1653	75%	4.59%	31st January 2027	8.99%	8.40% APRC	£1,499
Broker Exclusive - 2 Year Fixed <= 80% LTV - Capital and Interest - BO1700	80%	4.68%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <= 80% LTV - Loan <= £1.5m - Capital and Interest - CI1634	80%	4.75%	31st January 2027	8.99%	8.40% APRC	£1,499
2 year Capital and Interest fixed rate - Fee Offer CI1351 Capital and interest	85%	5.37%	31st January 2027	8.99%	8.50% APRC	£0
2 year Capital and Interest fixed rate - Fee Offer CI1352 Capital and interest	90%	5.47%	31st January 2027	8.99%	8.60% APRC	£0
2 year Capital and Interest fixed rate - Fee Offer CI1455 Capital and interest	95%	5.49%	31st January 2027	8.99%	8.60% APRC	£0
2 year fixed rate BO1399	65%	4.70%	31st January 2027	8.99%	8.40% APRC	£999
2 year fixed rate - £500,000 and Over BO1400	65%	4.70%	31st January 2027	8.99%	8.40% APRC	£1,499
2 year fixed rate - loans over £1m BO1601	65%	4.75%	31st January 2027	8.99%	8.40% APRC	£1999
2 year fixed rate BO1368	75%	4.87%	31st January 2027	8.99%	8.50% APRC	£999
2 year fixed rate - £500,000 and Over BO1374	75%	4.87%	31st January 2027	8.99%	8.50% APRC	£1,499
2 year fixed rate - loans over £1m BO1380	75%	4.92%	31st January 2027	8.99%	8.50% APRC	£1999
2 year fixed rate BO1370	80%	4.95%	31st January 2027	8.99%	8.50% APRC	£999
2 year fixed rate - loans over £1m BO1381	80%	4.98%	31st January 2027	8.99%	8.50% APRC	£1,999
2 year fixed rate - £500,000 and Over BO1376	80%	4.95%	31st January 2027	8.99%	8.50% APRC	£1,499
2 year fixed rate - Full C&I CI1372	85%	5.10%	31st January 2027	8.99%	8.50% APRC	£999
2 Year Fixed Rate over – Capital and Interest - over £1m CI1608	85%	5.20%	31st January 2027	8.99%	8.50% APRC	£1,999
2 Year Fixed Rate over £600,000 – Full Capital and Interest CI1450	90%	5.35%	31st January 2027	8.99%	8.60% APRC	£999
Residential fixed rate - 2 years - Loans up to 90% LTV - Full Capital and Interest CI1452	90%	5.15%	31st January 2027	8.99%	8.50% APRC	£999
Residential fixed rate - 2 years - Loans up to 95% LTV - Full Capital and Interest CI1454	95%	5.20%	31st January 2027	8.99%	8.50% APRC	£999
Broker Exclusive - 5 Year Fixed <= 65% LTV - Capital and Interest - BO1630	65%	4.35%	31st January 2030	8.99%	7.20% APRC	£1,999
Broker Exclusive - 5 Year Fixed <= 75% LTV - Capital and Interest - BO1631	75%	4.38%	31st January 2030	8.99%	7.20% APRC	£1,999
Broker Exclusive - 5 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1654	75%	4.34%	31st January 2030	8.99%	7.20% APRC	£1,499
Broker Exclusive - 5 Year Fixed <= 80% LTV - Loan <= £1.5m - Capital and Interest - CI1633	80%	4.42%	31st January 2030	8.99%	7.20% APRC	£1,499
Broker Exclusive - 5 Year Fixed <= 80% LTV - Capital and Interest - BO1701	80%	4.42%	31st January 2030	8.99%	7.20% APRC	£1,999
5 year Capital and Interest fixed rate - Fee Offer CI1355	85%	4.79%	31st January 2030	8.99%	7.40% APRC	£0
5 year Capital and Interest fixed rate - Fee Offer CI1356	90%	4.85%	31st January 2030	8.99%	7.40% APRC	£0
5 year Capital and Interest fixed rate - Fee Offer CI1456	95%	5.04%	31st January 2030	8.99%	7.50% APRC	£0
5 year fixed rate BO1401	65%	4.45	31st January 2030	8.99%	7.30% APRC	£999
5 year fixed rate - £500,000 and Over - Capital and Interest BO1402	65%	4.45%	31st January 2030	8.99%	7.20% APRC	£1,499
5 year fixed rate - loans over £1m BO1600	65%	4.50%	31st January 2030	8.99%	7.20% APRC	£1,999
5 year fixed rate BO1385	75%	4.49%	31st January 2030	8.99%	7.30% APRC	£999
5 year fixed rate - £500,000 and Over - Capital and Interest BO1391	75%	4.49%	31st January 2030	8.99%	7.20% APRC	£1,499
5 year fixed rate - loans over £1m BO1397	75%	4.54%	31st January 2030	8.99%	7.30% APRC	£1,999
5 year fixed rate BO1387	80%	4.53%	31st January 2030	8.99%	7.30% APRC	£999
5 year fixed rate - loans over £1m BO1398	80%	4.56%	31st January 2030	8.99%	7.30% APRC	£1,999
5 year fixed rate - £500,000 and Over BO1393	80%	4.53%	31st January 2030	8.99%	7.30% APRC	£1,499
5 year fixed rate - Full C&I CI1389	85%	4.75%	31st January 2030	8.99%	7.40% APRC	£999
5 year fixed rate - Over £1m CI1609	85%	4.85%	31st January 2030	8.99%	7.40% APRC	£1,999
5 Year Fixed Rate over £600,000 – Full Capital and Interest CI1451	90%	5.00%	31st January 2030	8.99%	7.50% APRC	£999
Residential fixed rate - 5 years - Loans up to 90% LTV Full Capital and Interest CI1453	90%	4.80%	31st January 2030	8.99%	7.40% APRC	£999
Residential fixed rate - 5 years - Loans up to 95% LTV Full Capital and Interest CI1459	95%	4.90%	31st January 2030	8.99%	7.40% APRC	£999

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 Year Fixed up to 60% LTV Capital and Interest BO1651	60%	4.59%	31st January 2027	9.49%	8.90% APRC	£1999
Broker exclusive - Buy to Let fixed rate - 2 years - loans up to 75LTV Capital and Interest BO1698	75%	4.70%	31st January 2027	9.49%	8.90% APRC	£3,999
2 year fixed rate BTL - Over £1m - London and South East only BO1344	75%	5.20%	31st January 2027	9.49%	9.00% APRC	£2,999
2 year fixed rate BTL – Over £1m – London and South East only - BO1343 - Capital and Interest	60%	4.94%	31st January 2027	9.49%	8.90% APRC	£2,999
2 year fixed rate BTL BO1341	75%	4.85%	31st January 2027	9.49%	8.90% APRC	£1,999
Buy to let 2 Year Fixed Loans up to 80% LTV Capital and Interest BO1602	80%	5.53%	31st January 2027	9.49%	9.10% APRC	£1,999
Broker exclusive - Buy to Let fixed rate - 5 years - loans up to 75LTV Capital and Interest BO1699	75%	4.64%	31st January 2030	9.49%	7.80% APRC	£3999
5 year fixed rate BTL BO1345	60%	4.65%	31st January 2030	9.49%	7.70% APRC	£1,999
5 Year IHL Fixed <= 60% LTV - Loan >= £1m Capital and Interest BO1652	60%	5.00%	31st January 2030	9.49%	7.80% APRC	£2,999
5 year fixed rate BTL BO1346	75%	4.69%	31st January 2030	9.49%	7.70% APRC	£1,999
5 year fixed rate BTL - Over £1m - London and South East only BO1348	75%	5.04%	31st January 2030	9.49%	7.80% APRC	£2,999
Buy to let 5 Year Fixed - Loans up to 80% LTV Capital and Interest BO1603	80%	5.07%	31st January 2030	9.49%	7.90% APRC	£1,999

Deal	Max LTV	Initial rate	Discounted rate expires	Follow-on rate (variable)	Overall cost for comparison	Product fee
Broker - 2 Year Discounted Offset <=80% (OVR minus 2.36%) > £1m Capital Interest - BO1681	80%	6.84% (variable)	31st January 2027	9.20%	9.10% APRC	£1999
2 Year Discounted Offset <=80% LTV (OVR minus 2.96%) >= £500,000 - Capital and Interest - CI1632	80%	6.24% (variable)	31st January 2027	9.20%	8.90% APRC	£1499
2 Year Discounted Offset <=80% LTV (OVR minus 2.96%) < £500,000 - Capital and Interest CI1337	80%	6.24% (variable)	31st January 2027	9.20%	9.00% APRC	£999.00
2 Year Discounted Offset <=80% LTV (OVR minus 2.66%) < £500k - Capital Interest - BO1679	80%	6.54% (variable)	31st January 2027	9.00%	9.0% APRC	£999
2 Year Discounted Offset <=80% LTV (OVR minus 2.66%) >= £500k - Capital Interest - BO1680	80%	6.54% (variable)	31st January 2027	9.20%	9.0% APRC	£1499
Broker - 2 Year Discounted Offset <=80% (OVR minus 2.66%) - Loan > £1m Capital and Interest - CI1339	80%	6.54% (variable)	31st January 2027	9.20%	9.0% APRC	£1999

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
Broker Exclusive - 2 Year Fixed <= 65% LTV - Capital and Interest - BO1628	65%	4.64%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <= 75% LTV - Capital and Interest - BO1629	75%	4.67%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1653	75%	4.59%	31st January 2027	8.99%	8.40% APRC	£1,499
Broker Exclusive - 2 Year Fixed <= 80% LTV - Capital and Interest - BO1700	80%	4.68%	31st January 2027	8.99%	8.40% APRC	£1,999
Broker Exclusive - 2 Year Fixed <= 80% LTV - Loan <= £1.5m - Capital and Interest - CI1634	80%	4.75%	31st January 2027	8.99%	8.40% APRC	£1,499
Broker Exclusive - 5 Year Fixed <= 65% LTV - Capital and Interest - BO1630	65%	4.35%	31st January 2030	8.99%	7.20% APRC	£1,999
Broker Exclusive - 5 Year Fixed <= 75% LTV - Capital and Interest - BO1631	75%	4.38%	31st January 2030	8.99%	7.20% APRC	£1,999
Broker Exclusive - 5 Year Fixed <=75% - Loan <= £1.5m - Full C&I - CI1654	75%	4.34%	31st January 2030	8.99%	7.20% APRC	£1,499
Broker Exclusive - 5 Year Fixed <= 80% LTV - Loan <= £1.5m - Capital and Interest - CI1633	80%	4.42%	31st January 2030	8.99%	7.20% APRC	£1,499
Broker Exclusive - 5 Year Fixed <= 80% LTV - Capital and Interest - BO1701	80%	4.42%	31st January 2030	8.99%	7.20% APRC	£1,999

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee

Deal	Max LTV	Initial rate	Until	Follow-on rate (variable)	Overall cost for comparison	Product fee
2 year fixed rate CI1702	65%	4.79%	31st January 2027	8.99%	8.40% APRC	£0
2 year fixed rate CI1638	75%	4.84%	31st January 2027	8.99%	8.40% APRC	£0
2 year fixed rate CI1703	80%	5.05%	31st January 2027	8.99%	8.50% APRC	£0
2 year fixed rate CI1360	85%	5.22%	31st January 2027	8.99%	8.50% APRC	£0
2 year fixed rate CI1362	90%	5.24%	31st January 2027	8.99%	8.50% APRC	£0
2 year fixed rate - Newly qualified professional CI1361	90%	5.52%	31st January 2027	8.99%	8.60% APRC	£0
2 year fixed rate - Newly qualified professional CI1457	95%	5.54%	31st January 2027	8.99%	8.60% APRC	£0
5 year fixed rate Capital and Interest CI1704	65%	4.41%	31st January 2030	8.99%	7.20% APRC	£0
5 year fixed rate Capital and Interest CI1640	75%	4.45%	31st January 2030	8.99%	7.20% APRC	£0
5 year fixed rate Capital and Interest CI1705	80%	4.49%	31st January 2030	8.99%	7.20% APRC	£0
5 year fixed rate Capital and Interest CI1364	85%	4.60%	31st January 2030	8.99%	7.30% APRC	£0
5 year fixed rate CI1366	90%	4.69%	31st January 2030	8.99%	7.30% APRC	£0
5 year fixed rate - Newly qualified professional CI1365	90%	4.90%	31st January 2030	8.99%	7.40% APRC	£0
5 year fixed rate - Newly qualified professional CI1458	95%	5.09%	31st January 2030	8.99%	7.50% APRC	£0

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