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Mortgage Types

Fixed Rate

Fixed Term Security

Lock in your interest rate for 2, 5, or 10 years for ultimate peace of mind and precision budgeting.
Variable

Variable Flexibility

Benefit from market fluctuations with rates that track the central bank base rate with ceiling protections.
First Time

Ambitious Beginnings

Lower deposit requirements and dedicated advisory support to help you scale the property ladder.
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Competitive Lending Rates.

Product Type Initial Rate APRC Max LTV Product Fee Action
2 Year Fixed 4.25% 6.4% 75% $999 Details
5 Year Fixed 3.89% 5.9% 80% $1,495 Details
Tracker Variable Base + 0.5% 6.1% 60% $0 Details
Repayment calculator

Estimate Your
Monthly Payments.

Move the sliders to see what a mortgage would actually cost you each month, and what it adds up to over the full term. This is an illustration, not a quotation.

$450,000
$50k$3m
$90,000
NoneFull value
25 years
3.89%
Repayment method
Loan to value 80.0%

Estimated monthly repayment

$1,875.42

Amount borrowed
$360,000
Total interest
$202,626
Total repayable
$562,626

Illustration only. Your rate depends on loan-to-value, term and affordability assessment.

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Figures exclude arrangement fees, valuation costs, buildings insurance and any property taxes. Interest is calculated monthly on the reducing balance. A quotation showing the total amount repayable and all fees is issued with any formal offer.

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The Road to Ownership.

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Investment Property

Build your rental portfolio with competitive rates and flexible terms designed for landlords.
Remortgage

Switch & Save

Refinance your existing mortgage to access better rates and unlock equity for your goals.
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Custom Construction

Stage-release funding for your dream build project with expert guidance every step of the way.

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Which range fits you?

Each range has its own criteria and maximum loan-to-value. Every figure below is indicative — your formal offer states the rate, the total repayable and every fee.

Range Best for Max LTV From
Fixed rate Certainty on the monthly payment 90% 3.89% Details arrow_forward
Variable rate Flexibility and no early repayment charge 90% 3.69% Details arrow_forward
First-time buyer A smaller deposit and more support 95% 4.09% Details arrow_forward
Remortgage Leaving a reversion rate or releasing equity 85% 3.84% Details arrow_forward
Investment property Buy-to-let assessed on rental coverage 75% 4.74% Details arrow_forward
Self-build Staged release against certified progress 70% 5.19% Details arrow_forward
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