Product Product type Rate Reversion Max LTV* Max loan ERCs Product fee
Special Edition Standard Special Edition Standard 2 Year Fixed Special Edition Standard 2 Year Fixed 2.95% 5.00% + LIBOR 60% £1.0M 2%/2% 1.50%
Special Edition Standard 2 Year Fixed 3.09% 5.00% + LIBOR 70% £1.0M 2%/2% 1.50%
Special Edition Standard 5 Year Fixed Special Edition Standard 5 Year Fixed 3.35% 5.00% + LIBOR 60% £1.0M 5%/5%/3%/2%/2% 1.50%
Special Edition Standard 5 Year Fixed 3.45% 5.00% + LIBOR 70% £1.0M 5%/5%/3%/2%/2% 1.50%
Special Edition New Build Special Edition New Build Standard 2 Year Fixed Special Edition New Build Standard 2 Year Fixed 3.09% 5.00% + LIBOR 60% £500k 2%/2% 1.50%
Special Edition New Build Standard 5 Year Fixed Special Edition New Build Standard 5 Year Fixed 3.35% 5.00% + LIBOR 60% £500k 5%/5%/3%/2%/2% 1.50%
Standard Standard 2 Year Fixed Standard 2 Year Fixed 3.39% 5.00% + LIBOR 60% £1.5M 2%/2% 1.50%
Standard 2 Year Fixed 3.54% 5.00% + LIBOR 75% £1.5m@70%
£1.0m@75%
2%/2% 1.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.54% 5.00% + LIBOR 60% £1.5M 5%/5%/3%/2%/2% 1.50%
Standard 5 Year Fixed 3.59% 5.00% + LIBOR 70% £1.5M 5%/5%/3%/2%/2% 1.50%
Standard 5 Year Fixed 3.69% 5.00% + LIBOR 75% £1.0M 5%/5%/3%/2%/2% 1.50%
Standard Term Tracker Standard Term Tracker 3.40% (3.20% + LIBOR) n/a 60% £1.5M n/a 2.00%
Standard Term Tracker 3.65% (3.45% + LIBOR) n/a 75% £1.5m@70%
£1.0m@75%
n/a 2.00%
New Build Standard 2 Year Fixed New Build Standard 2 Year Fixed 3.39% 5.00% + LIBOR 60% £750k 2%/2% 1.50%
New Build Standard 2 Year Fixed 3.54% 5.00% + LIBOR 75% £750k 2%/2% 1.50%
New Build Standard 5 Year Fixed New Build Standard 5 Year Fixed 3.54% 5.00% + LIBOR 60% £750k 5%/5%/3%/2%/2% 1.50%
New Build Standard 5 Year Fixed 3.74% 5.00% + LIBOR 75% £750k 5%/5%/3%/2%/2% 1.50%
New Build Standard Term Tracker New Build Standard Term Tracker 3.40% (3.20% + LIBOR) n/a 60% £750k n/a 2.00%
New Build Standard Term Tracker 3.65% (3.45% + LIBOR) n/a 75% £750k n/a 2.00%
HMO/MUFB Small HMO/MUFB 2 Year Fixed Small HMO/MUFB 2 Year Fixed 3.49% 5.00% + LIBOR 60% £1.5M 2%/2% 1.75%
Small HMO/MUFB 2 Year Fixed 3.69% 5.00% + LIBOR 75% £1.5m@70%
£1.0m@75%
2%/2% 1.75%
Small HMO/MUFB 5 Year Fixed Small HMO/MUFB 5 Year Fixed 3.84% 5.00% + LIBOR 60% £1.5M 5%/5%/3%/2%/2% 2.00%
Small HMO/MUFB 5 Year Fixed 3.99% 5.00% + LIBOR 75% £1.5m@70%
£1.0m@75%
5%/5%/3%/2%/2% 2.00%
Small HMO/MUFB Tracker Small HMO/MUFB Tracker 3.56% (3.36% + LIBOR) n/a 60% £1.5M n/a 2.00%
Small HMO/MUFB Tracker 3.66% (3.46% + LIBOR) n/a 75% £1.5m@70%
£1.0m@75%
n/a 2.00%
New Build Small HMO/MUFB 2 Year Fixed New Build Small HMO/MUFB 2 Year Fixed 3.49% 5.00% + LIBOR 60% £750k 2%/2% 1.75%
New Build Small HMO/MUFB 2 Year Fixed 3.69% 5.00% + LIBOR 75% £750k 2%/2% 1.75%
New Build Small HMO/MUFB 5 Year Fixed New Build Small HMO/MUFB 5 Year Fixed 3.84% 5.00% + LIBOR 60% £750k 5%/5%/3%/2%/2% 2.00%
New Build Small HMO/MUFB 5 Year Fixed 3.99% 5.00% + LIBOR 75% £750k 5%/5%/3%/2%/2% 2.00%
New Build Small HMO/MUFB Term Tracker New Build Small HMO/MUFB Term Tracker 3.56% (3.36% + LIBOR) n/a 60% £750k n/a 2.00%
New Build Small HMO/MUFB Term Tracker 3.66% (3.46% + LIBOR) n/a 75% £750k n/a 2.00%
Large HMO/MUFB 2 Year Fixed Large HMO/MUFB 2 Year Fixed 3.89% 5.00% + LIBOR 60% £1.5M 2%/2% 2.00%
Large HMO/MUFB 2 Year Fixed 3.94% 5.00% + LIBOR 70% £1.5M 2%/2% 2.00%
Large HMO/MUFB 5 Year Fixed Large HMO/MUFB 5 Year Fixed 4.22% 5.00% + LIBOR 60% £1.5M 5%/5%/3%/2%/2% 2.00%
Large HMO/MUFB 5 Year Fixed 4.27% 5.00% + LIBOR 70% £1.5M 5%/5%/3%/2%/2% 2.00%
Large HMO/MUFB Tracker Large HMO/MUFB Tracker 4.15% (3.95% + LIBOR) n/a 60% £1.5M n/a 2.00%
Large HMO/MUFB Tracker 4.20% (4.00% + LIBOR) n/a 70% £1.5M n/a 2.00%
3 months LIBOR repriced on a quarterly basis. Last repriced as of 1st July 2020 at 0.20%.

Our Application Fees - Valuation and Administration

Standard Small HMO Large HMO/MUFB
Up to £150,000 £230 (+£150 admin fee) £550 (+£150 admin fee) £875 (+£150 admin fee)
£150,001 - £200,000 £255 (+£150 admin fee) £580 (+£150 admin fee) £875 (+£150 admin fee)
£200,001 - £250,000 £285 (+£150 admin fee) £580 (+£150 admin fee) £950 (+£150 admin fee)
£250,001 - £300,000 £340 (+£150 admin fee) £580 (+£150 admin fee) £1025 (+£150 admin fee)
£300,001 - £400,000 £395 (+£150 admin fee) £650 (+£150 admin fee) £1200 (+£150 admin fee)
£400,001 - £500,000 £450 (+£150 admin fee) £750 (+£150 admin fee) £1325 (+£150 admin fee)
£500,001 - £600,000 £510 (+£150 admin fee) £790 (+£150 admin fee) £1450 (+£150 admin fee)
£600,001 - £700,000 £560 (+£150 admin fee) £860 (+£150 admin fee) £1575 (+£150 admin fee)
£700,001 - £800,000 £640 (+£150 admin fee) £930 (+£150 admin fee) £1700 (+£150 admin fee)
£800,001 - £900,000 £700 (+£150 admin fee) £1000 (+£150 admin fee) £1825 (+£150 admin fee)
£900,001 - £1,000,000 £790 (+£150 admin fee) £1090 (+£150 admin fee) £1950 (+£150 admin fee)
£1,000,001 - £1,200,000 £895 (+£150 admin fee) Quote Quote
£1,200,001 - £1,400,000 £1050 (+£150 admin fee) Quote Quote
£1,400,001 - £1,600,000 £1205 (+£150 admin fee) Quote Quote
£1,600,001 - £1,800,000 £1410 (+£150 admin fee) Quote Quote
£1,800,001 - £2,000,000 £1670 (+£150 admin fee) Quote Quote
Over £2,000,000 Quote Quote Quote
A large HMO will be classed as any property with more than 6 bedrooms. Please note, the administration fee is non-refundable and applications will not be accepted until all fees have been paid.