Key mortgage rates

Discount rate mortgages are linked to our Standard Variable Rate (SVR) for a set period of time. These rates are, by their nature, variable and therefore do not allow you to set a fixed repayment. They will move - either up or down - in accordance with our SVR, so you need to ensure you can afford a higher payment if the rate increases.


Self Cert Discount mortgage rates

These products are currently not available.




What you need to know up front with a Self Certification Discount Rate mortgage

  • You must be 21 years old to take out a Self Certification mortgage.
  • Available to first time buyers.
  • You can borrow up to 90% of the property's value with our Self Certification mortgages, meaning you'll need a minimum of 10% deposit.
  • You can add the arrangement fee to the mortgage. We'll add the fee to the total mortgage and interest will be charged on it.
  • You can overpay up to 10% of the mortgage balance each year without paying any early repayment or administration charges (subject to minimum payments).
  • We lend in England, Scotland & Wales. Sorry, but we don't lend in Northern Ireland.

As long as you have been employed for 6 months or self employed for 12 months, no proof of income is necessary.

We won't even need to contact your accountant or employers. Our minimum annual income requirement is £10,000 if you're taking the mortgage out in your name only and £15,000 if you are taking out a joint mortgage.

We offer a range of promotional periods to suit people's circumstances, for example 3 or 5 years. You should consider the length of time you're prepared to commit to the mortgage up front as you will have to pay a charge if you repay your mortgage before the end of your promotional period.

Don't forget that all of our mortgages are portable. This means that the rate, terms and conditions of your original mortgage can be transferred to the new property if you move house.