Whatever you're looking for in a mortgage, we can find the right product for you from our range
As a Private Banking customer, we offer you an exclusive residential mortgage range. Your Private Manager will discuss your options and put you in touch with an expert adviser. At all times, these professionals will act with your best interests at heart and work with you to find the product most suited to your needs from our range. We offer a varied range of residential mortgages and Investment Housing Loans. For alternative products please see our personal banking mortgage range.
Applicants must be aged 18 or over. All loans are subject to status. Security will be required.
Your home may be repossessed if you do not keep up repayments on your mortgage
- All private repayment mortgages
- Private fixed rate
- Private buy to let
- Private offset
- Private professional
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Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate CI1182 75% 1.66% 31st July 20234.55%4.1% APRC £999 
2 year fixed rate CI1183 80% 2.07% 31st July 20234.55%4.2% APRC £999 2 year fixed rate - loans over £1m BO1181 80% 2.14% 31st July 20234.55%4.2% APRC £1,999 5 year fixed rate CI1185 75% 2.22% 31st July 20264.55%3.7% APRC £499 5 year fixed rate CI1186 80% 2.41% 31st July 20264.55%3.8% APRC £999 5 year fixed rate - loans over £1m BO1184 80% 2.59% 31st July 20264.55%3.8% APRC £1,999 2 year fixed rate BTL - Over £1m - London and South East only BO1172 60% 2.79% 31st July 20234.95%4.6% APRC £2,999 2 year fixed rate BTL BO1173 75% 2.59% 31st July 20234.95%4.7% APRC £1999 2 year fixed rate BTL - fee offer BO1175 75% 2.79% 31st July 20234.95%4.6% APRC £05 year fixed rate BTL BO1174 75% 2.69% 31st July 20264.95%4.1% APRC £1999 5 year fixed rate BTL - fee offer BO1176 75% 2.84% 31st July 20264.95%4.1% APRC £0Offset Variable Investment Housing Loan BO1004 75% 4.95% (variable) No end date Variable for term 4.95% APRC £1,9992 year offset discounted SVR BO1171 80% 2.04% 31st July 20234.55%4.2% APRC £999 2 year offset discounted SVR - loans over 1m BO1170 80% 2.34% (variable) 31st July 20234.55%4.2% APRC £1,999 2 year fixed rate - Fee offer CI1177 85% 2.76% 31st July 20234.55%4.3% APRC £0Product Transfer 2 year fixed rate - Fee offer CI1178 90% 3.32% 31st July 20234.55%4.4% APRC £02 year fixed rate - Fee offer CI1187 90% 3.32% 31st July 20234.55%4.4% APRC £02 year fixed rate - Fee offer - £450,000 and over - London only CI1188 90% 3.32% 31st July 20234.55%4.4% APRC £05 year fixed rate - Fee offer CI1179 85% 2.82% 31st July 20264.55%3.9% APRC £0Product Transfer 5 year fixed rate - Fee offer CI1180 90% 3.58% 31st July 20264.55%4.2% APRC £05 year fixed rate - Fee offer CI1189 90% 3.58% 31st July 20264.55%4.2% APRC £05 year fixed rate - Fee offer - £450,000 and over - London only CI1190 90% 3.58% 31st July 20264.55%4.2% APRC £0 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate CI1182 75% 1.66% 31st July 20234.55%4.1% APRC £999 2 year fixed rate CI1183 80% 2.07% 31st July 20234.55%4.2% APRC £999 2 year fixed rate - loans over £1m BO1181 80% 2.14% 31st July 20234.55%4.2% APRC £1,999 5 year fixed rate CI1185 75% 2.22% 31st July 20264.55%3.7% APRC £499 5 year fixed rate CI1186 80% 2.41% 31st July 20264.55%3.8% APRC £999 5 year fixed rate - loans over £1m BO1184 80% 2.59% 31st July 20264.55%3.8% APRC £1,999 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate BTL - Over £1m - London and South East only BO1172 60% 2.79% 31st July 20234.95%4.6% APRC £2,999 2 year fixed rate BTL BO1173 75% 2.59% 31st July 20234.95%4.7% APRC £1999 2 year fixed rate BTL - fee offer BO1175 75% 2.79% 31st July 20234.95%4.6% APRC £05 year fixed rate BTL BO1174 75% 2.69% 31st July 20264.95%4.1% APRC £1999 5 year fixed rate BTL - fee offer BO1176 75% 2.84% 31st July 20264.95%4.1% APRC £0Offset Variable Investment Housing Loan BO1004 75% 4.95% (variable) No end date Variable for term 4.95% APRC £1,999 -
Deal Max LTV Initial rate Discounted rate expires Follow-on rate (variable) Overall cost for comparison Product fee 2 year offset discounted SVR BO1171 80% 2.04% 31st July 20234.55%4.2% APRC £999 2 year offset discounted SVR - loans over 1m BO1170 80% 2.34% (variable) 31st July 20234.55%4.2% APRC £1,999 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate - Fee offer CI1177 85% 2.76% 31st July 20234.55%4.3% APRC £0Product Transfer 2 year fixed rate - Fee offer CI1178 90% 3.32% 31st July 20234.55%4.4% APRC £02 year fixed rate - Fee offer CI1187 90% 3.32% 31st July 20234.55%4.4% APRC £02 year fixed rate - Fee offer - £450,000 and over - London only CI1188 90% 3.32% 31st July 20234.55%4.4% APRC £05 year fixed rate - Fee offer CI1179 85% 2.82% 31st July 20264.55%3.9% APRC £0Product Transfer 5 year fixed rate - Fee offer CI1180 90% 3.58% 31st July 20264.55%4.2% APRC £05 year fixed rate - Fee offer CI1189 90% 3.58% 31st July 20264.55%4.2% APRC £05 year fixed rate - Fee offer - £450,000 and over - London only CI1190 90% 3.58% 31st July 20264.55%4.2% APRC £0
(Rates correct as at 22nd April 2021)
* Standard Variable Rate
** Offset Variable Rate
*** Offset Variable Investment Housing Loan Rate
Professional products are only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Representative Example
A mortgage of £274,370 payable over 22 years, initially on a fixed rate of 1.69% for 2 years and then our Standard Variable Rate, currently 5.2%, for the remaining 20 years. This would require 26 monthly payments of £1,245.38 and then 237 monthly payments of £1,693.59 plus one final payment of £1,690.24.
The total amount payable would be £437,334.95 made up of the loan amount plus interest (£161,080.95), Product fee (£999), valuation fee (£650), Funds Transfer fee/telegraphic transfer fee (£40) and Mortgage exit fee (£195).
The overall cost for comparison is 4.6% APRC representative.
The Representative Example is for illustrative purposes only. It is representative of our full range of private repayment mortgages. Your actual costs and monthly repayments will vary depending on your mortgage. If you have refined your results using the tabs above, this example will no longer be representative.
