Key mortgage rates

Confident with how it works? Learn more about our mortgage types:

Our mortgage rates will differ depending upon the type of mortgage you choose. Take a look at the options below to find the mortgage and rate that best suits your circumstances as a first time buyer.

  • Fixed

    With a fixed rate mortgage, you will pay a fixed rate for an agreed time at the start of your mortgage. Ideal if you want guaranteed protection from possible interest rate rises for a set period.

  • Discount

    Offers you a discounted rate off our Standard Variable Rate (SVR) for an agreed period at the start of your mortgage. This gives you lower monthly repayments in the first few years to help you settle in.

  • Self Certification

    Specialist mortgages for buyers with irregular incomes; we have fixed rate, discount variable rate and easyflex Self Certification mortgages to choose from.

  • easyflex

    Our easyflex mortgage allows you to have more say over your mortgage payments. It gives you the flexibility to overpay, underpay your mortgage and take payment holidays, giving you greater control over your finances. These mortgages track the Bank Base Rate, and can therefore go up or down in line with any changes that the Bank of England may make to interest rates.

  • First Start

    This is our specialist mortgage to help you get onto the property ladder. It helps overcome the common problem many first time buyers face - you've found the place you like, you could afford the repayments, but you don't earn enough to get the mortgage you need.

  • Professional

    A Professional mortgage is simply a first time buyer mortgage for people working within certain professions. If you qualify, we'll consider lending you more than we might otherwise; in fact we could lend you up to 5 times your income (or 4.5 times a joint income).