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Mortgage lending criteria

View our criteria for residential and Buy to Let applications.

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Latest mortgage rates

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Home Mover

  • 2 year fixed 
  • 4.70%
  • £1999 product fee - 60% LTV
More on this rate
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Remortgage

  • 5 year fixed 
  • 4.75%
  • £1999 product fee - 60% LTV
More on this rate
Couple in the street

Buy to Let

  • 5 year fixed
  • 4.83%
  • £1749 product fee - 60% LTV
More on this rate

Latest news

FTB fixed rates reducing by up to 0.25% plus other residential changes

On Friday 24 April, we're reducing selected FTB, home mover and remortgage fixed rates. Including our My First Mortgage fixed rate that’s going down by 0.25%.

Renters’ Rights Act changes are almost here

From 1 May 2026, the Renters’ Rights Act changes how landlords manage rental properties and tenancies.

Purchase rates going down plus other changes

On Thursday 16 April, we're reducing selected FTB and home mover fixed and tracker rates, plus BTL purchase fixed rates.