We know you’re busy, so we’ve made it easier to get the information you need about our straightforward products. Select the product range you need and off you go.
What's New

What's New

New products for more residential options

1-year fixed rates launched

  • Supporting customers who want the comfort of short-term fixed payments
  • Rates from 5.44% with a 1% fee

Lifetime tracker launched

  • Ideal for customers who want more freedom than a fixed rate
  • Rates from 6.79% (BBR + 1.54%) featuring different fee options, with or without ERCs

Adverse accepted on both products tier 0 - 4, up to 85% LTV.

What's New

What's New

New buy to let products

Up to 80% LTV products

  • 2 and 5-year fixed rates now from 6.04%

Relaunched Tier 2 and Tier 3 products

  • Supporting landlords with adverse credit profiles
  • 2 and 5-year fixed rates from 5.64%

Step 1: Contact us

Before we can start the process, we’ll need authority from your customer allowing you to act on their behalf. Until we receive their authority we’re unable to secure a rate for your customer.

The quickest way to do this is to ask your customer to call us and give their authority verbally over the phone. Simply ask them to call our Product Transfer Team on 0333 240 6180 and we’ll register their authority directly onto our system, meaning you can start talking with us straight away about your customer’s product transfer requirements.

Alternatively, you can ask them to complete our Product Transfer Letter of Authority. Once you have this, email it to us at  and we’ll then contact you within 5 working days to get the ball rolling.

Step 2: Initial assessment

We’ll run some initial checks on your customer’s account and let you know if a product transfer is available for them, such as making sure their account is up to date.

Step 3: Product selection

Just let us know which product your customer has selected. We’ll accept applications up to three months before the current product rate and early repayment charge period expires but completion of the transfer cannot take place during an early repayment charge period.

Step 4: Mortgage illustration

We’ll send you a mortgage illustration for the product selected for you to discuss with your customer.

Changes to your customer’s account, such as amending the term or repayment method, can be considered but would need to be completed either before or after the product transfer completes.

If your customer wants to make a lump sum overpayment, this can be completed in the 10 days before the transfer completes as long as we’ve received the acceptance of offer.

Step 5: Mortgage offer

If your customer is happy with the illustration we’ll then produce mortgage offer packs and send a copy to both you and your customer. To move the transfer on to completion we’ll need to receive their acceptance of offer.

Your customer can change their mind about a product transfer at any time before completion. If they’ve not yet returned the acceptance of offer, then simply give us a call and we’ll update our records. If the acceptance of offer has been sent to us they’re still able to cancel the product transfer up until the day the new product is due to take effect.

Step 6: Completion

You need to make sure there’s a clear calendar month between us receiving the signed acceptance of offer and the product transfer completing.

For all product transfer completions, we’ll pay a procuration fee of 0.25% if submitted direct or, if submitted via a club or network, we’ll pay them 0.30% for distribution.

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