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Criteria and rates

Lending Criteria

We believe that mortgages should be simple, with zero fuss. And that’s what you can expect from our lending criteria. Straight talking information available.

Current rates and product criteria

Criteria and rates

 

Standard Variable Rate (SVR) 

 

At the end of the fixed-rate product, our Standard Variable Rate (SVR) will apply. Unlike other lenders, our SVR is priced according to risk and the lower the LTV, the lower the rate will be. Our SVR uses the same LTV bands as our fixed rate products and, as the LTV reduces over time, the SVR automatically moves to a new lower rate as it passes into a new LTV band.

 

However, an SVR  should rarely be a first choice and we will offer your client the same great deals we offer to new clients. We always make sure you are involved in this process and will proactively contact you at the same time as your client in advance of the fixed rate ending.

 

Criteria and rates

Historical rates 

 

Find an archive of our historical rates here:

Criteria and rates

London postcodes list 

For the purposes of determining valuation fees applicable, please find a list of postcodes below that we classify as being within London. 

BR

N

CR

NW

DA

RM

EC

SE

EN

SM

E

SW

HA

TW

IG

UB

KT

W

For more details on our valuation fees, please click the button below:

Criteria and rates

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