Product Product type Rate Max LTV* Min loan Max loan Product fee ICR BTL calculator
Remortgage Free Property Valuation Standard 2 Year Fixed Standard 2 Year Fixed 3.29% 75% £30k £1M 1.75% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.49% 75% £150k £1M 1.75% 4.50%
Standard 5 Year Fixed 3.59% 75% £30k £1M 1.75% 3.59%
Special Edition Standard Standard 2 Year Fixed Standard 2 Year Fixed 2.95% 60% £30k £1.0M 1.50% 5.50%
Standard 2 Year Fixed 3.09% 70% £30k £1.0M 1.50% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.34% 60% £30k £1.0M 1.50% 3.34%
Standard 5 Year Fixed 3.39% 70% £30k £1.0M 1.50% 3.39%
Special Edition New Build Standard 2 Year Fixed Standard 2 Year Fixed 3.09% 60% £30k £500k 1.50% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.34% 60% £30k £500k 1.50% 3.59%
Special Edition Small HMO Small HMO 2 Year Fixed Small HMO 2 Year Fixed 3.35% 70% £30k £1M 1.75% 5.50%
Small HMO 5 Year Fixed Small HMO 5 Year Fixed 3.59% 70% £30k £1M 2.00% 3.59%
Remortgage Non Portfolio Standard 2 Year Fixed Standard 2 Year Fixed 3.14% 75% £100k £1M 1.50% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.44% 75% £100k £1M 1.50% 3.44%
Free Valuation Remortgage Non Portfolio Standard 2 Year Fixed Standard 2 Year Fixed 3.14% 75% £100k £1M 1.75% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed 3.44% 75% £100k £1M 1.75% 3.44%
Standard 2 Year Fixed Standard 2 Year Fixed Standard 2 Year Fixed 3.19% 60% £30k £1.5M 1.50% 5.50%
Standard 2 Year Fixed 3.24% 70% £30k £1.5M 1.50% 5.50%
Standard 2 Year Fixed 3.29% 75% £30k £1M 1.50% 5.50%
Standard 2 Year Fixed 3.79% 80% £100k £750k 2% 5.50%
New Build Standard 2 Year Fixed New Build Standard 2 Year Fixed 3.49% 75% £30k £750k 1.75% 5.50%
Standard 5 Year Fixed Standard 5 Year Fixed Standard 5 Year Fixed 3.45% 60% £30k £1.5M 1.50% 3.45%
Standard 5 Year Fixed 3.49% 65% £1.5M £2M 1.75% 3.49%
Standard 5 Year Fixed 3.49% 70% £30k £1M 1.50% 3.49%
Standard 5 Year Fixed 3.59% 75% £30k £1M 1.50% 3.59%
Standard 5 Year Fixed 3.99% 80% £100k £750k 2% 3.99%
New Build Standard 5 Year Fixed New Build Standard 5 Year Fixed 3.69% 75% £30k £750k 1.75% 3.69%
Remortgage Only Standard 5 Year Fixed Standard 5 Year Fixed 3.49% 75% £150k £1M 1.50% 4.50%
Cashback Standard 5 Year Fixed Standard 5 Year Fixed 3.49% 70% £1M £1.5M 1.50% 3.49%
HMO/MUFB Small HMO 2 Year Fixed Small HMO 2 Year Fixed 3.49% 70% £30k £1.5M 1.75% 5.50%
Small HMO 2 Year Fixed 3.59% 75% £30k £1M 1.75% 5.50%
Small HMO 5 Year Fixed Small HMO 5 Year Fixed 3.79% 70% £30k £1.5M 2.00% 3.79%
Small HMO 5 Year Fixed 3.89% 75% £30k £1M 2.00% 3.89%
Small MUFB 2 Year Fixed Small MUFB 2 Year Fixed 3.49% 70% £30k £1.5M 1.75% 5.50%
Small MUFB 2 Year Fixed 3.59% 75% £30k £1M 1.75% 5.50%
Small MUFB 5 Year Fixed Small MUFB 5 Year Fixed 3.79% 70% £30k £1.5M 2.00% 3.79%
Small MUFB 5 Year Fixed 3.89% 75% £30k £1M 2.00% 3.89%
Large HMO 2 Year Fixed Large HMO 2 Year Fixed 3.85% 70% £30k £1.5M 2.00% 5.50%
Large HMO 5 Year Fixed Large HMO 5 Year Fixed 4.09% 70% £30k £1.5M 2.00% 4.09%
Large MUFB 2 Year Fixed Large MUFB 2 Year Fixed 3.85% 70% £30k £1.5M 2.00% 5.50%
Large MUFB 5 Year Fixed Large MUFB 5 Year Fixed 4.09% 70% £30k £1.5M 2.00% 4.09%
New Build Small HMO 2 Year Fixed New Build Small HMO 2 Year Fixed 3.69% 75% £30k £750k 1.75% 5.50%
New Build Small HMO 5 Year Fixed New Build Small HMO 5 Year Fixed 3.99% 75% £30k £750k 2.00% 3.99%
New Build Small MUFB 2 Year Fixed New Build Small MUFB 2 Year Fixed 3.69% 75% £30k £750k 1.75% 5.50%
New Build Small MUFB 5 Year Fixed New Build Small MUFB 5 Year Fixed 3.99% 75% £30k £750k 2.00% 3.99%
Tracker Standard Term Tracker Standard Term Tracker 3.30% (3.20% + BBR) 60% £30k £1.5M 2.00% 5.50%
Standard Term Tracker 3.55% (3.45% + BBR) 70% £30k £1.5M 2.00% 5.50%
Standard Term Tracker 3.55% (3.45% + BBR) 75% £30k £1.0M 2.00% 5.50%
New Build Standard Term Tracker New Build Standard Term Tracker 3.55% (3.45% + BBR) 75% £30k £750k 2.00% 5.50%
Small HMO Tracker Small HMO Tracker 3.45% (3.35% + BBR) 60% £30k £1.5M 2.00% 5.50%
Small HMO Tracker 3.55% (3.45% + BBR) 70% £30k £1.5M 2.00% 5.50%
Small HMO Tracker 3.55% (3.45% + BBR) 75% £30k £1.0M 2.00% 5.50%
Small MUFB Tracker Small MUFB Tracker 3.45% (3.35% + BBR) 60% £30k £1.5M 2.00% 5.50%
Small MUFB Tracker 3.55% (3.45% + BBR) 70% £30k £1.5M 2.00% 5.50%
Small MUFB Tracker 3.55% (3.45% + BBR) 75% £30k £1.0M 2.00% 5.50%
New Build Small HMO Term Tracker New Build Small HMO Term Tracker 3.55% (3.45% + BBR) 75% £30k £750k 2.00% 5.50%
New Build Small MUFB Term Tracker New Build Small MUFB Term Tracker 3.55% (3.45% + BBR) 75% £30k £750k 2.00% 5.50%
Large HMO Tracker Large HMO Tracker 4.05% (3.95% + BBR) 60% £30k £1.5M 2.00% 5.50%
Large HMO Tracker 4.10% (4.00% + BBR) 70% £30k £1.5M 2.00% 5.50%
Large MUFB Tracker Large MUFB Tracker 4.05% (3.95% + BBR) 60% £30k £1.5M 2.00% 5.50%
Large MUFB Tracker 4.10% (4.00% + BBR) 70% £30k £1.5M 2.00% 5.50%
3 months LIBOR repriced on the 1st January 2021 at 0.05%. BBR repriced on the 1st January 2021 at 0.10%.
Cashback will be paid directly to the borrower once first mortgage payment is received.

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. Where there are 7 occupants in a 6 or less bedroom HMO the large HMO scale may be used. If the surveyor deems the property to be of certain complexity, a quote will be required, which may result in an additional charge.