Representative example – for illustrative purposes only.

This representative example is for illustration purposes only and doesn’t reflect the exact terms available to you.

An interest‑only mortgage of £162,897.07 payable over 25 years, with a fixed interest rate of 6.67% for the first 2 years, followed by our Standard Variable Rate (SVR) of 7.35% for the remaining term, would require 24 monthly payments of £905.44, followed by 276 monthly payments of £997.74.

The total amount of credit is £162,897.07

The total amount payable would be £460,053.87, made up of the loan amount plus interest, with a £0 product fee and a £50 final repayment charge.

The overall cost for comparison is 7.5% APRC.

This representative example assumes the SVR remains unchanged for the remainder of the mortgage term.

This is an interest‑only mortgage. Your monthly payments cover the interest only and don’t reduce the amount borrowed. You will still owe the full loan amount at the end of the mortgage term, and will need a suitable repayment vehicle in place to repay the loan in full.

Please note the rates shown are subject to change at any time

This mortgage is secured against your property. Your home may be repossessed if you do not keep up repayments on your mortgage.

Product codeProductMax LTVProduct FeeRateAPR/CERCRepayment basis
Resi Retire (50+) Mortgage
53056Resi Retire (50+) 2 year fixed60%£9956.47%7.50%Years 1-2 = 3%Interest only and repayment
53057Resi Retire (50+) 2 year fixed (fee free)60%£06.67%7.50%Years 1-2 = 3%Interest only and repayment
53062Resi Retire (50+) 5 year fixed60%£9956.12%7.10%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53063Resi Retire (50+) 5 year fixed (fee free)60%£06.22%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53058Resi Retire (50+) 2 year fixed75%£9956.57%7.50%Years 1-2 = 3%Interest only and repayment
53059Resi Retire (50+) 2 year fixed (fee free)75%£06.77%7.50%Years 1-2 = 3%Interest only and repayment
53064Resi Retire (50+) 5 year fixed75%£9956.22%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53065Resi Retire (50+) 5 year fixed (fee free)75%£06.32%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53060Resi Retire (50+) 2 year fixed85%£9957.07%7.50%Years 1-2 = 3%Repayment
53061Resi Retire (50+) 2 year fixed (fee free)85%£07.27%7.60%Years 1-2 = 3%Repayment
53066Resi Retire (50+) 5 year fixed85%£9956.72%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Repayment
53067Resi Retire (50+) 5 year fixed (fee free)85%£06.82%7.40%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Repayment
RIO Mortgage
53068RIO Mortgage 2 year fixed60%£9956.58%7.50%Years 1-2 = 3%Interest only
53069RIO Mortgage 2 year fixed (fee free)60%£06.78%7.50%Years 1-2 = 3%Interest only
53072RIO Mortgage 5 year fixed60%£9956.27%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only
53073RIO Mortgage 5 year fixed (fee free)60%£06.41%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only
53070RIO Mortgage 2 year fixed75%£9956.78%7.50%Years 1-2 = 3%Interest only
53071RIO Mortgage 2 year fixed (fee free)75%£06.98%7.50%Years 1-2 = 3%Interest only
53074RIO Mortgage 5 year fixed75%£9956.47%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only
53075RIO Mortgage 5 year fixed (fee free)75%£06.61%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only
Holiday Let Mortgage
53032HBTL Mortgage 2 year fixed75%£9956.35%7.40%Years 1-2 = 3%Interest only and repayment
53033HBTL Mortgage 2 year fixed (fee free)75%£06.55%7.50%Years 1-2 = 3%Interest only and repayment
53034HBTL Mortgage 5 year fixed75%£9956.35%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53035HBTL Mortgage 5 year fixed (fee free)75%£06.45%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
Retirement Mortgage
52916Retirement Mortgage 2 year fixedBased on age£06.08%7.40%Years 1-2 = 3%Interest only
52917Retirement Mortgage 5 year fixedBased on age£06.05%7.10%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only
Resi
53010Resi 2 year fixed60%£9956.19%7.40%Years 1-2 = 3%Interest only and repayment
53011Resi 2 year fixed80%£9956.55%7.50%Years 1-2 = 3%Interest only and repayment
53012Resi 2 year fixed (fee free)80%£06.79%7.50%Years 1-2 = 3%Interest only and repayment
53013Resi 2 year fixed90%£9956.69%7.50%Years 1-2 = 3%Interest only and repayment
53014Resi 2 year fixed (fee free)90%£06.89%7.50%Years 1-2 = 3%Interest only and repayment
53015Resi 5 year fixed60%£9956.25%7.20%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53016Resi 5 year fixed80%£9956.55%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53017Resi 5 year fixed (fee free)80%£06.65%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53018Resi 5 year fixed90%£9956.69%7.30%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment
53019Resi 5 year fixed (fee free)90%£06.79%7.40%Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%Interest only and repayment