Please check our website to ensure that this is the most up to date product
guide.
Please be aware that you can access the relevant product range by clicking the specific product
name below.
THE RANGE:
SELECT
SELECT TRACKERS
EKO
EKO REWARD
HERO
PROFESSIONAL
LARGE LOAN
SHARED OWNERSHIP
CORE
HELP TO BUY
RIGHT TO BUY
PROPERTY PLUS
RESI 12
RESI 12 STEP DOWN
RESI 6
RESI 6 STEP DOWN
FLEXI FIXED FOR TERM
When choosing the right mortgage for your client, bear in mind that whilst their circumstances and location are
pivotal, the product itself is also very important - sometimes a product with a lower reversion rate or longer
Kensington review the Kensington Standard Rate (KSR) Quarterly. The current KSR rate is 5.30%.
This rate is set as of the 10th June 2024 and effective from the 1st July 2024 (all new mortgage application documentation is
reflected with this rate from 11th June 2024). KSR is set using Bank of England base rate (BBR, the ’external rate’); KSR will
never be more than 1% above the external rate, and will never be lower than the external rate (or 0%, whichever is the greater)
at the time of reset.
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England &
Wales: Company No. 03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington
Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some
investment mortgage contracts are not regulated by the FCA.
RESIDENTIAL LENDING
21st August 2024
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above KSR)
Residential Select - Special
Select 5 Years Fixed 4.99 £999 £25,000 £1,500,000 70 082400369 Select, 70, 5, 4.99 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.24 £999 £25,000 £1,500,000 70 082400365 Select, 70, 3, 5.24 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 £0 £25,000 £1,500,000 70 072400055 Select, 70, 5, 5.29, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 £0 £25,000 £500,000 70 072400056 Select, 70, 5, 5.29, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 £0 £25,000 £1,500,000 70 072400057 Select, 70, 5, 5.29, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 2 Years Fixed 5.29 £999 £25,000 £1,500,000 70 082400361 Select, 70, 2, 5.29 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.19 £999 £25,000 £1,500,000 75 082400338 Select, 75, 5, 5.19 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 5.29 £999 £25,000 £1,500,000 75 082400017 Select, 75, 5, 5.29 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 0 £25,000 £1,500,000 75 082400341 Select, 75, 5, 5.29, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 0 £25,000 £500,000 75 082400342 Select, 75, 5, 5.29, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.29 0 £25,000 £1,500,000 75 082400343 Select, 75, 5, 5.29, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 3 Years Fixed 5.39 £999 £25,000 £1,500,000 75 082400350 Select, 75, 3, 5.39 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 5.49 0 £25,000 £1,500,000 75 082400022 Select, 75, 5, 5.49, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 5.49 0 £25,000 £500,000 75 082400023 Select, 75, 5, 5.49, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 5.49 0 £25,000 £1,500,000 75 082400024 Select, 75, 5, 5.49, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 3 Years Fixed 5.49 £999 £25,000 £1,500,000 75 082400244 Select, 75, 3, 5.49 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 2 Years Fixed 5.49 £999 £25,000 £1,500,000 75 082400337 Select, 75, 2, 5.49 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.49 0 £25,000 £1,500,000 75 082400352 Select, 75, 3, 5.49, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.49 0 £25,000 £500,000 75 082400353 Select, 75, 3, 5.49, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.49 0 £25,000 £1,500,000 75 082400354 Select, 75, 3, 5.49, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 5.69 £999 £25,000 £1,500,000 75 082400016 Select, 75, 2, 5.69 Purchase, Remortgage None £0 2.50
Residential Select
Select 3 Years Fixed 5.74 0 £25,000 £1,500,000 75 082400247 Select, 75, 3, 5.74, FV Purchase Free Vals £0 2.50
Residential Select
Select 3 Years Fixed 5.74 0 £25,000 £500,000 75 082400248 Select, 75, 3, 5.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 3 Years Fixed 5.74 0 £25,000 £1,500,000 75 082400249 Select, 75, 3, 5.74, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 2 Years Fixed 5.74 0 £25,000 £1,500,000 75 082400358 Select, 75, 2, 5.74, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 2 Years Fixed 5.74 0 £25,000 £500,000 75 082400359 Select, 75, 2, 5.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 2 Years Fixed 5.74 0 £25,000 £1,500,000 75 082400360 Select, 75, 2, 5.74, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 1 Year Fixed 6.04 £999 £25,000 £1,500,000 75 082400009 Select, 75, 1, 6.04 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 6.19 0 £25,000 £1,500,000 75 082400333 Select, 75, 2, 6.19, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 6.19 0 £25,000 £500,000 75 082400334 Select, 75, 2, 6.19, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 6.19 0 £25,000 £1,500,000 75 082400335 Select, 75, 2, 6.19, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 5.34 £999 £25,000 £1,500,000 80 082400019 Select, 80, 5, 5.34 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 5.54 0 £25,000 £1,500,000 80 082400028 Select, 80, 5, 5.54, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 5.54 0 £25,000 £500,000 80 082400029 Select, 80, 5, 5.54, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 5.54 0 £25,000 £1,500,000 80 082400030 Select, 80, 5, 5.54, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 3 Years Fixed 5.54 £999 £25,000 £1,500,000 80 082400245 Select, 80, 3, 5.54 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 5 Years Fixed 5.54 £999 £25,000 £1,500,000 80 082400340 Select, 80, 5, 5.54 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 5.74 £999 £25,000 £1,500,000 80 082400018 Select, 80, 2, 5.74 Purchase, Remortgage None £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.84 0 £25,000 £1,500,000 80 082400355 Select, 80, 3, 5.84, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.84 0 £25,000 £500,000 80 082400356 Select, 80, 3, 5.84, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 3 Years Fixed 5.84 0 £25,000 £1,500,000 80 082400357 Select, 80, 3, 5.84, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 1 Year Fixed 6.09 £999 £25,000 £1,500,000 80 082400010 Select, 80, 1, 6.09 Purchase, Remortgage None £0 2.50
Residential Select
Select 3 Years Fixed 6.09 0 £25,000 £1,500,000 80 082400250 Select, 80, 3, 6.09, FV Purchase Free Vals £0 2.50
Residential Select
Select 3 Years Fixed 6.09 0 £25,000 £500,000 80 082400251 Select, 80, 3, 6.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 3 Years Fixed 6.09 0 £25,000 £1,500,000 80 082400252 Select, 80, 3, 6.09, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 2 Years Fixed 6.09 0 £25,000 £1,500,000 80 082400344 Select, 80, 2, 6.09, FV Purchase Free Vals £0 2.50
RESIDENTIAL PRODUCTS - SELECT
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
*** First Time Buyers capped at £1,000,000
Residential Select
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above KSR)
Residential Select
Residential Select - Special
Select 2 Years Fixed 6.09 0 £25,000 £500,000 80 082400345 Select, 80, 2, 6.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select - Special
Select 2 Years Fixed 6.09 0 £25,000 £1,500,000 80 082400346 Select, 80, 2, 6.09, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 6.29 0 £25,000 £1,500,000 80 082400025 Select, 80, 2, 6.29, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 6.29 0 £25,000 £500,000 80 082400026 Select, 80, 2, 6.29, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 6.29 0 £25,000 £1,500,000 80 082400027 Select, 80, 2, 6.29, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 5.49 £999 £25,000 £1,500,000 82.5 082400312 Select, 82.5, 5, 5.49 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 5.69 0 £25,000 £1,500,000 82.5 082400320 Select, 82.5, 5, 5.69, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 5.69 0 £25,000 £500,000 82.5 082400321 Select, 82.5, 5, 5.69, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 5.69 0 £25,000 £1,500,000 82.5 082400322 Select, 82.5, 5, 5.69, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 5.94 £999 £25,000 £1,500,000 82.5 082400311 Select, 82.5, 2, 5.94 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 6.42 0 £25,000 £1,500,000 82.5 082400317 Select, 82.5, 2, 6.42, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 6.42 0 £25,000 £500,000 82.5 082400318 Select, 82.5, 2, 6.42, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 6.42 0 £25,000 £1,500,000 82.5 082400319 Select, 82.5, 2, 6.42, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 5.64 £999 £25,000 £1,500,000 85 082400021 Select, 85, 5, 5.64 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 5.84 0 £25,000 £1,500,000 85 082400034 Select, 85, 5, 5.84, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 5.84 0 £25,000 £500,000 85 082400035 Select, 85, 5, 5.84, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 5.84 0 £25,000 £1,500,000 85 082400036 Select, 85, 5, 5.84, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 3 Years Fixed 5.94 £999 £25,000 £1,500,000 85 082400246 Select, 85, 3, 5.94 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 6.14 £999 £25,000 £1,500,000 85 082400020 Select, 85, 2, 6.14 Purchase, Remortgage None £0 2.50
Residential Select
Select 3 Years Fixed 6.29 0 £25,000 £1,500,000 85 082400253 Select, 85, 3, 6.29, FV Purchase Free Vals £0 2.50
Residential Select
Select 3 Years Fixed 6.29 0 £25,000 £500,000 85 082400254 Select, 85, 3, 6.29, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 3 Years Fixed 6.29 0 £25,000 £1,500,000 85 082400255 Select, 85, 3, 6.29, FVCB250 Remortgage Free Vals £250 2.50
Residential Select - Special
Select 1 Year Fixed 6.49 £999 £25,000 £1,500,000 85 082400011 Select, 85, 1, 6.49 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 6.54 0 £25,000 £1,500,000 85 082400031 Select, 85, 2, 6.54, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 6.54 0 £25,000 £500,000 85 082400032 Select, 85, 2, 6.54, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 6.54 0 £25,000 £1,500,000 85 082400033 Select, 85, 2, 6.54, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 6.02 £999 £25,000 £1,000,000 87.5 082400314 Select, 87.5, 5, 6.02 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 6.22 0 £25,000 £1,000,000 87.5 082400326 Select, 87.5, 5, 6.22, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 6.22 0 £25,000 £500,000 87.5 082400327 Select, 87.5, 5, 6.22, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 6.22 0 £25,000 £1,000,000 87.5 082400328 Select, 87.5, 5, 6.22, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 6.47 £999 £25,000 £1,000,000 87.5 082400313 Select, 87.5, 2, 6.47 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 6.79 0 £25,000 £1,000,000 87.5 082400323 Select, 87.5, 2, 6.79, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 6.79 0 £25,000 £500,000 87.5 082400324 Select, 87.5, 2, 6.79, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 6.79 0 £25,000 £1,000,000 87.5 082400325 Select, 87.5, 2, 6.79, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 6.39 £999 £25,000 £1,000,000 90 082400152 Select, 90, 5, 6.39 Purchase, Remortgage None £0 2.50
Residential Select
Select 3 Years Fixed 6.59 £999 £25,000 £1,000,000 90 022400379 Select, 90, 3, 6.59 Purchase, Remortgage None £0 2.50
Residential Select
Select 5 Years Fixed 6.59 0 £25,000 £1,000,000 90 082400153 Select, 90, 5, 6.59, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 6.59 0 £25,000 £500,000 90 082400154 Select, 90, 5, 6.59, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 5 Years Fixed 6.59 0 £25,000 £1,000,000 90 082400155 Select, 90, 5, 6.59, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 3 Years Fixed 6.74 0 £25,000 £1,000,000 90 082400280 Select, 90, 3, 6.74, FV Purchase Free Vals £0 2.50
Residential Select
Select 3 Years Fixed 6.74 0 £25,000 £500,000 90 082400281 Select, 90, 3, 6.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 3 Years Fixed 6.74 0 £25,000 £1,000,000 90 082400282 Select, 90, 3, 6.74, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 6.79 £999 £25,000 £1,000,000 90 082400148 Select, 90, 2, 6.79 Purchase, Remortgage None £0 2.50
Residential Select
Select 2 Years Fixed 7.04 0 £25,000 £1,000,000 90 082400149 Select, 90, 2, 7.04, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 7.04 0 £25,000 £500,000 90 082400150 Select, 90, 2, 7.04, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select
Select 2 Years Fixed 7.04 0 £25,000 £1,000,000 90 082400151 Select, 90, 2, 7.04, FVCB250 Remortgage Free Vals £250 2.50
Residential Select
Select 5 Years Fixed 6.67 £999 £25,000 £500,000 92.5 082400316 Select, 92.5, 5, 6.79, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 6.87 £0 £25,000 £500,000 92.5 082400330 Select, 92.5, 5, 6.99, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 7.09 £999 £25,000 £500,000 92.5 082400315 Select, 92.5, 2, 7.24, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 7.34 £0 £25,000 £500,000 92.5 082400329 Select, 92.5, 2, 7.47, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 6.94 £999 £25,000 £500,000 95 022400206 Select, 95, 5, 6.94, FV Purchase Free Vals £0 2.50
Residential Select
Select 3 Years Fixed 7.09 £999 £25,000 £500,000 95 022400383 Select, 95, 3, 7.09, FV Purchase Free Vals £0 2.50
Residential Select
Select 5 Years Fixed 7.14 £0 £25,000 £500,000 95 022400208 Select, 95, 5, 7.14, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 5 Years Fixed 7.19 £0 £25,000 £500,000 95 052400022 Select, 95, 5, 7.19, FVCB1K Purchase Free Vals £1,000 2.50
Residential Select
Select 3 Years Fixed 7.34 £0 £25,000 £500,000 95 022400384 Select, 95, 3, 7.34, FV Purchase Free Vals £0 2.50
Residential Select
Select 2 Years Fixed 7.39 £999 £25,000 £500,000 95 022400205 Select, 95, 2, 7.39, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 3 Years Fixed 7.39 £0 £25,000 £500,000 95 052400023 Select, 95, 3, 7.39, FVCB1K Purchase Free Vals £1,000 2.50
Residential Select - Special
Select 2 Years Fixed 7.59 £0 £25,000 £500,000 95 022400427 Select, 95, 2, 7.59, FVCB250 Purchase Free Vals £250 2.50
Residential Select
Select 2 Years Fixed 7.64 £0 £25,000 £500,000 95 022400207 Select, 95, 2, 7.64, FV Purchase Free Vals £0 2.50
Residential Select - Special
Select 2 Years Fixed 7.69 £0 £25,000 £500,000 95 052400021 Select, 95, 2, 7.69, FVCB1K Purchase Free Vals £1,000 2.50
Product Category
Credit
Criteria *
Initial Period Interest Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above KSR)
Residential Select Select 2 Year Tracker 7.14 (KSR + 1.84%) £999 £25,000 £1,500,000 85 022400291 Select Track, 85, 2, 1.84 Purchase, Remortgage None £0 2.50
Residential Select Select 2 Year Tracker 7.39 (KSR + 2.09%) 0 £25,000 £1,500,000 85 022400292 Select Track, 85, 2, 2.09, FV Purchase Free Vals £0 2.50
Residential Select Select 2 Year Tracker 7.39 (KSR + 2.09%) 0 £25,000 £500,000 85 022400293 Select Track, 85, 2, 2.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select Select 2 Year Tracker 7.39 (KSR + 2.09%) 0 £25,000 £1,500,000 85 022400294 Select Track, 85, 2, 2.09, FVCB250 Remortgage Free Vals £250 2.50
Residential Select Select 2 Year Tracker 8.30 (KSR + 3.00%) £999 £25,000 £1,000,000 90 022400295 Select Track, 90, 2, 3 Purchase, Remortgage None £0 2.50
Residential Select Select 2 Year Tracker 8.70 (KSR + 3.40%) 0 £25,000 £1,000,000 90 022400296 Select Track, 90, 2, 3.4, FV Purchase Free Vals £0 2.50
Residential Select Select 2 Year Tracker 8.70 (KSR + 3.40%) 0 £25,000 £500,000 90 022400297 Select Track, 90, 2, 3.4, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Select Select 2 Year Tracker 8.70 (KSR + 3.40%) 0 £25,000 £1,000,000 90 022400298 Select Track, 90, 2, 3.4, FVCB250 Remortgage Free Vals £250 2.50
RESIDENTIAL PRODUCTS - SELECT TRACKERS
For those who don't want to fix their mortgage rates
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
*** First Time Buyer capped at £1,000,000
Residential Select Tracker
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV**
Product
Code
Product Name Loan Purpose Incentives*** Cashback
Reversion
Margin (above
KSR)
eKo*** Select 5 Years Fixed 5.49 0 £25,000 £500,000 75.00 082400130 Select, 75, 5, 5.49, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 5 Years Fixed 5.49 0 £25,000 £500,000 75.00 082400131 Select, 75, 5, 5.49, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
eKo*** Select 2 Years Fixed 6.19 0 £25,000 £500,000 75.00 082400128 Select, 75, 2, 6.19, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 2 Years Fixed 6.19 0 £25,000 £500,000 75.00 082400129 Select, 75, 2, 6.19, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
eKo*** Select 5 Years Fixed 5.54 0 £25,000 £500,000 80.00 082400134 Select, 80, 5, 5.54, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 5 Years Fixed 5.54 0 £25,000 £500,000 80.00 082400135 Select, 80, 5, 5.54, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
eKo*** Select 2 Years Fixed 6.29 0 £25,000 £500,000 80.00 082400132 Select, 80, 2, 6.29, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 2 Years Fixed 6.29 0 £25,000 £500,000 80.00 082400133 Select, 80, 2, 6.29, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
eKo*** Select 5 Years Fixed 5.84 0 £25,000 £500,000 85.00 082400138 Select, 85, 5, 5.84, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 5 Years Fixed 5.84 0 £25,000 £500,000 85.00 082400139 Select, 85, 5, 5.84, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
eKo*** Select 2 Years Fixed 6.54 0 £25,000 £500,000 85.00 082400136 Select, 85, 2, 6.54, FVEKO Purchase, Remortgage Free Vals £1,000 2.50
eKo*** Select 2 Years Fixed 6.54 0 £25,000 £500,000 85.00 082400137 Select, 85, 2, 6.54, FLFVEKO Remortgage Free Vals, Free Legals £1,000 2.50
£1000 cashback for making their home more energy efficient
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
*** eKo cashback is conditional upon eligibility criteria being satisfied post-completion, see ESIS for details.
RESIDENTIAL PRODUCTS - EKO
Residential eKo
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV**
Product
Code
Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above KSR)
Residential eKo Reward Select 5 Years Fixed 5.49 0 £25,000 £500,000 75 082400160 Select, 75, 5, 5.49, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 2 Years Fixed 6.19 0 £25,000 £500,000 75 082400159 Select, 75, 2, 6.19, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 5 Years Fixed 5.54 0 £25,000 £500,000 80 082400162 Select, 80, 5, 5.54, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 2 Years Fixed 6.29 0 £25,000 £500,000 80 082400161 Select, 80, 2, 6.29, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 5 Years Fixed 5.84 0 £25,000 £500,000 85 082400164 Select, 85, 5, 5.84, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 2 Years Fixed 6.54 0 £25,000 £500,000 85 082400163 Select, 85, 2, 6.54, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 5 Years Fixed 6.59 0 £25,000 £500,000 90 082400166 Select, 90, 5, 6.59, FVCB500 Purchase Free Vals £500 2.50
Residential eKo Reward Select 2 Years Fixed 7.04 0 £25,000 £500,000 90 082400165 Select, 90, 2, 7.04, FVCB500 Purchase Free Vals £500 2.50
RESIDENTIAL PRODUCTS - EKO REWARD
£500 cashback for the most energy efficient homes
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV.
Residential eKo Reward
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion Margin
(above KSR)
Hero Select 5 Years Fixed 5.19 £999 £25,000 £500,000 75 082400097 Heroes, 75, 5, 5.19 Purchase, Remortgage None £0 2.50
Hero Select 5 Years Fixed 5.39 0 £25,000 £500,000 75 082400105 Heroes, 75, 5, 5.39, FV Purchase Free Vals £0 2.50
Hero Select 5 Years Fixed 5.39 0 £25,000 £500,000 75 082400106 Heroes, 75, 5, 5.39, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 5 Years Fixed 5.39 0 £25,000 £500,000 75 082400107 Heroes, 75, 5, 5.39, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 2 Years Fixed 5.59 £999 £25,000 £500,000 75 082400096 Heroes, 75, 2, 5.59 Purchase, Remortgage None £0 2.50
Hero Select 2 Years Fixed 6.09 0 £25,000 £500,000 75 082400102 Heroes, 75, 2, 6.09, FV Purchase Free Vals £0 2.50
Hero Select 2 Years Fixed 6.09 0 £25,000 £500,000 75 082400103 Heroes, 75, 2, 6.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 2 Years Fixed 6.09 0 £25,000 £500,000 75 082400104 Heroes, 75, 2, 6.09, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 5 Years Fixed 5.24 £999 £25,000 £500,000 80 082400099 Heroes, 80, 5, 5.24 Purchase, Remortgage None £0 2.50
Hero Select 5 Years Fixed 5.44 0 £25,000 £500,000 80 082400111 Heroes, 80, 5, 5.44, FV Purchase Free Vals £0 2.50
Hero Select 5 Years Fixed 5.44 0 £25,000 £500,000 80 082400112 Heroes, 80, 5, 5.44, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 5 Years Fixed 5.44 0 £25,000 £500,000 80 082400113 Heroes, 80, 5, 5.44, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 2 Years Fixed 5.64 £999 £25,000 £500,000 80 082400098 Heroes, 80, 2, 5.64 Purchase, Remortgage None £0 2.50
Hero Select 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400108 Heroes, 80, 2, 6.19, FV Purchase Free Vals £0 2.50
Hero Select 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400109 Heroes, 80, 2, 6.19, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400110 Heroes, 80, 2, 6.19, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 5 Years Fixed 5.54 £999 £25,000 £500,000 85 082400101 Heroes, 85, 5, 5.54 Purchase, Remortgage None £0 2.50
Hero Select 5 Years Fixed 5.74 0 £25,000 £500,000 85 082400117 Heroes, 85, 5, 5.74, FV Purchase Free Vals £0 2.50
Hero Select 5 Years Fixed 5.74 0 £25,000 £500,000 85 082400118 Heroes, 85, 5, 5.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 5 Years Fixed 5.74 0 £25,000 £500,000 85 082400119 Heroes, 85, 5, 5.74, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 2 Years Fixed 6.04 £999 £25,000 £500,000 85 082400100 Heroes, 85, 2, 6.04 Purchase, Remortgage None £0 2.50
Hero Select 2 Years Fixed 6.44 0 £25,000 £500,000 85 082400114 Heroes, 85, 2, 6.44, FV Purchase Free Vals £0 2.50
Hero Select 2 Years Fixed 6.44 0 £25,000 £500,000 85 082400115 Heroes, 85, 2, 6.44, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 2 Years Fixed 6.44 0 £25,000 £500,000 85 082400116 Heroes, 85, 2, 6.44, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 5 Years Fixed 6.29 £999 £25,000 £500,000 90 082400141 Heroes, 90, 5, 6.29 Purchase, Remortgage None £0 2.50
Hero Select 5 Years Fixed 6.49 0 £25,000 £500,000 90 082400145 Heroes, 90, 5, 6.49, FV Purchase Free Vals £0 2.50
Hero Select 5 Years Fixed 6.49 0 £25,000 £500,000 90 082400146 Heroes, 90, 5, 6.49, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 5 Years Fixed 6.49 0 £25,000 £500,000 90 082400147 Heroes, 90, 5, 6.49, FVCB250 Remortgage Free Vals £250 2.50
Hero Select 2 Years Fixed 6.69 £999 £25,000 £500,000 90 082400140 Heroes, 90, 2, 6.69 Purchase, Remortgage None £0 2.50
Hero Select 2 Years Fixed 6.94 0 £25,000 £500,000 90 082400142 Heroes, 90, 2, 6.94, FV Purchase Free Vals £0 2.50
Hero Select 2 Years Fixed 6.94 0 £25,000 £500,000 90 082400143 Heroes, 90, 2, 6.94, FLFV Remortgage Free Vals, Free Legals £0 2.50
Hero Select 2 Years Fixed 6.94 0 £25,000 £500,000 90 082400144 Heroes, 90, 2, 6.94, FVCB250 Remortgage Free Vals £250 2.50
For essential skilled workers, who provide vital community services
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
RESIDENTIAL PRODUCTS - HERO
Residential Hero
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV**
Product
Code
Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Professional Select 5 Years Fixed 5.24 £999 £25,000 £1,000,000 75 082400062 Professional, 75, 5, 5.24 Purchase, Remortgage None £0 2.50
Professional Select 2 Years Fixed 5.64 £999 £25,000 £1,000,000 75 082400061 Professional, 75, 2, 5.64 Purchase, Remortgage None £0 2.50
Professional Select 5 Years Fixed 5.29 £999 £25,000 £1,000,000 80 082400064 Professional, 80, 5, 5.29 Purchase, Remortgage None £0 2.50
Professional Select 2 Years Fixed 5.69 £999 £25,000 £1,000,000 80 082400063 Professional, 80, 2, 5.69 Purchase, Remortgage None £0 2.50
Professional Select 5 Years Fixed 5.59 £999 £25,000 £1,000,000 85 082400066 Professional, 85, 5, 5.59 Purchase, Remortgage None £0 2.50
Professional Select 2 Years Fixed 6.09 £999 £25,000 £1,000,000 85 082400065 Professional, 85, 2, 6.09 Purchase, Remortgage None £0 2.50
Professional Select 5 Years Fixed 6.34 £999 £25,000 £1,000,000 90 082400168 Professional, 90, 5, 6.34 Purchase, Remortgage None £0 2.50
Professional Select 5 Years Fixed 6.54 0 £25,000 £1,000,000 90 082400067 Professional, 90, 5, 6.54 Purchase, Remortgage None £0 2.50
Professional -
Special
Select 2 Years Fixed 6.74 £999 £25,000 £1,000,000 90 082400167 Professional, 90, 2, 6.74 Purchase, Remortgage None £0 2.50
Professional -
Special
Select 2 Years Fixed 6.99 0 £25,000 £1,000,000 90 082400336 Professional, 90, 2, 6.99 Purchase, Remortgage None £0 2.50
For your qualified professionals
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
RESIDENTIAL PRODUCTS - PROFESSIONAL
Residential Professional
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan**
Customer
Share
LTV**
Product
Code
Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Shared Ownership -
Special
Select 5 Years Fixed 5.99 £0 £25,000 £500,000 85 062400112 Shared Own, 85, 5, 5.99, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 5 Years Fixed 6.69 £0 £25,000 £500,000 85 042400268 Shared Own, 85, 5, 6.69, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 2 Years Fixed 6.79 0 £25,000 £500,000 85 082400332 Shared Own, 85, 2, 6.79, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership -
Special
Select 5 Years Fixed 6.09 £0 £25,000 £500,000 90 062400111 Shared Own, 90, 5, 6.09, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 5 Years Fixed 6.79 £0 £25,000 £500,000 90 042400266 Shared Own, 90, 5, 6.79, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 2 Years Fixed 6.89 0 £25,000 £500,000 90 082400331 Shared Own, 90, 2, 6.89, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership -
Special
Select 5 Years Fixed 6.19 £0 £25,000 £500,000 95 062400055 Shared Own, 95, 5, 6.19, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 2 Years Fixed 6.99 0 £25,000 £500,000 95 082400158 Shared Own, 95, 2, 6.99, FV Purchase, Remortgage Free Vals £0 2.50
Shared Ownership Select 5 Years Fixed 7.19 £0 £25,000 £500,000 95 042400159 Shared Own, 95, 5, 7.19, FV Purchase, Remortgage Free Vals £0 2.50
RESIDENTIAL PRODUCTS - SHARED OWNERSHIP
Shared Ownership
* See Credit Criteria page for full details
** Shared Ownership products are not available in Northern Ireland or Scotland
Residential Shared Ownership
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Large Loan Select 5 Years Fixed 5.29 £1999 £500,000 £2,000,000 75 082400308 Select, 75, 5, 5.29 Purchase, Remortgage None £0 2.50
Large Loan Select 5 Years Fixed 5.39 £1499 £500,000 £2,000,000 75 082400305 Select, 75, 5, 5.39 Purchase, Remortgage None £0 2.50
Large Loan Select 5 Years Fixed 5.64 £1999 £500,000 £2,000,000 80 082400309 Select, 80, 5, 5.64 Purchase, Remortgage None £0 2.50
Large Loan Select 5 Years Fixed 5.74 £1499 £500,000 £2,000,000 80 082400306 Select, 80, 5, 5.74 Purchase, Remortgage None £0 2.50
Large Loan Select 5 Years Fixed 5.84 £1999 £500,000 £1,500,000 85 082400310 Select, 85, 5, 5.84 Purchase, Remortgage None £0 2.50
Large Loan Select 5 Years Fixed 5.94 £1499 £500,000 £1,500,000 85 082400307 Select, 85, 5, 5.94 Purchase, Remortgage None £0 2.50
For larger loans
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount.
*** First Time Buyer capped at £1,000,000
RESIDENTIAL PRODUCTS - LARGE LOAN
Residential Large Loan
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Residential Core Core 5 Years Fixed 5.44 £999 £25,000 £500,000 70 082400173 Core, 70, 5, 5.44 Purchase, Remortgage None £0 2.50
Residential Core Core 5 Years Fixed 5.64 0 £25,000 £500,000 70 082400177 Core, 70, 5, 5.64, FV Purchase Free Vals £0 2.50
Residential Core Core 5 Years Fixed 5.64 0 £25,000 £500,000 70 082400178 Core, 70, 5, 5.64, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 5 Years Fixed 5.64 0 £25,000 £500,000 70 082400179 Core, 70, 5, 5.64, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 2 Years Fixed 5.84 £999 £25,000 £500,000 70 082400172 Core, 70, 2, 5.84 Purchase, Remortgage None £0 2.50
Residential Core Core 2 Years Fixed 6.04 0 £25,000 £500,000 70 082400174 Core, 70, 2, 6.04, FV Purchase Free Vals £0 2.50
Residential Core Core 2 Years Fixed 6.04 0 £25,000 £500,000 70 082400175 Core, 70, 2, 6.04, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 2 Years Fixed 6.04 0 £25,000 £500,000 70 082400176 Core, 70, 2, 6.04, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 5 Years Fixed
5.54 £999 25000
£500,000
75 082400038 Core, 75, 5, 5.54 Purchase, Remortgage None
£0 2.50
Residential Core Core 5 Years Fixed 5.74 0 £25,000 £500,000 75 082400046 Core, 75, 5, 5.74, FV Purchase Free Vals £0 2.50
Residential Core Core 5 Years Fixed 5.74 0 £25,000 £500,000 75 082400047 Core, 75, 5, 5.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 5 Years Fixed 5.74 0 £25,000 £500,000 75 082400048 Core, 75, 5, 5.74, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 3 Years Fixed 5.74 £999 £25,000 £500,000 75 082400256 Core, 75, 3, 5.74 Purchase, Remortgage None £0 2.50
Residential Core Core 2 Years Fixed
5.84 £999 25000
£500,000
75 082400037 Core, 75, 2, 5.84 Purchase, Remortgage None
£0 2.50
Residential Core Core 3 Years Fixed 5.94 0 £25,000 £500,000 75 082400259 Core, 75, 3, 5.94, FV Purchase Free Vals £0 2.50
Residential Core Core 3 Years Fixed 5.94 0 £25,000 £500,000 75 082400260 Core, 75, 3, 5.94, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 3 Years Fixed 5.94 0 £25,000 £500,000 75 082400261 Core, 75, 3, 5.94, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 2 Years Fixed 6.14 0 £25,000 £500,000 75 082400043 Core, 75, 2, 6.14, FV Purchase Free Vals £0 2.50
Residential Core Core 2 Years Fixed 6.14 0 £25,000 £500,000 75 082400044 Core, 75, 2, 6.14, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 2 Years Fixed 6.14 0 £25,000 £500,000 75 082400045 Core, 75, 2, 6.14, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 5 Years Fixed 5.59 £999 £25,000 £500,000 80 082400040 Core, 80, 5, 5.59 Purchase, Remortgage None £0 2.50
Residential Core Core 5 Years Fixed 5.79 0 £25,000 £500,000 80 082400052 Core, 80, 5, 5.79, FV Purchase Free Vals £0 2.50
Residential Core Core 5 Years Fixed 5.79 0 £25,000 £500,000 80 082400053 Core, 80, 5, 5.79, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 5 Years Fixed 5.79 0 £25,000 £500,000 80 082400054 Core, 80, 5, 5.79, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 3 Years Fixed 5.79 £999 £25,000 £500,000 80 082400257 Core, 80, 3, 5.79 Purchase, Remortgage None £0 2.50
Residential Core Core 2 Years Fixed
5.99 £999 25000
£500,000
80 082400039 Core, 80, 2, 5.99 Purchase, Remortgage None
£0 2.50
Residential Core Core 3 Years Fixed 5.99 0 £25,000 £500,000 80 082400262 Core, 80, 3, 5.99, FV Purchase Free Vals £0 2.50
Residential Core Core 3 Years Fixed 5.99 0 £25,000 £500,000 80 082400263 Core, 80, 3, 5.99, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 3 Years Fixed 5.99 0 £25,000 £500,000 80 082400264 Core, 80, 3, 5.99, FVCB250 Remortgage Free Vals £250 2.50
For those with a small credit blip more than 24 months ago
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
RESIDENTIAL PRODUCTS - CORE
Residential Core
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Residential Core
Residential Core Core 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400049 Core, 80, 2, 6.19, FV Purchase Free Vals £0 2.50
Residential Core Core 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400050 Core, 80, 2, 6.19, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 2 Years Fixed 6.19 0 £25,000 £500,000 80 082400051 Core, 80, 2, 6.19, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 5 Years Fixed 5.89 £999 £25,000 £500,000 85 082400042 Core, 85, 5, 5.89 Purchase, Remortgage None £0 2.50
Residential Core Core 5 Years Fixed 6.09 0 £25,000 £500,000 85 082400058 Core, 85, 5, 6.09, FV Purchase Free Vals £0 2.50
Residential Core Core 5 Years Fixed 6.09 0 £25,000 £500,000 85 082400059 Core, 85, 5, 6.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 5 Years Fixed 6.09 0 £25,000 £500,000 85 082400060 Core, 85, 5, 6.09, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 3 Years Fixed 6.19 £999 £25,000 £500,000 85 082400258 Core, 85, 3, 6.19 Purchase, Remortgage None £0 2.50
Residential Core Core 2 Years Fixed 6.39 £999 £25,000 £500,000 85 082400041 Core, 85, 2, 6.39 Purchase, Remortgage None £0 2.50
Residential Core Core 3 Years Fixed 6.39 0 £25,000 £500,000 85 082400265 Core, 85, 3, 6.39, FV Purchase Free Vals £0 2.50
Residential Core Core 3 Years Fixed 6.39 0 £25,000 £500,000 85 082400266 Core, 85, 3, 6.39, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 3 Years Fixed 6.39 0 £25,000 £500,000 85 082400267 Core, 85, 3, 6.39, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 2 Years Fixed 6.59 0 £25,000 £500,000 85 082400055 Core, 85, 2, 6.59, FV Purchase Free Vals £0 2.50
Residential Core Core 2 Years Fixed 6.59 0 £25,000 £500,000 85 082400056 Core, 85, 2, 6.59, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 2 Years Fixed 6.59 0 £25,000 £500,000 85 082400057 Core, 85, 2, 6.59, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 5 Years Fixed 6.79 £999 £25,000 £500,000 90 062400072 Core, 90, 5, 6.79 Purchase, Remortgage None £0 2.50
Residential Core Core 5 Years Fixed 6.89 £0 £25,000 £500,000 90 062400076 Core, 90, 5, 6.89, FV Purchase Free Vals £0 2.50
Residential Core Core 5 Years Fixed 6.89 £0 £25,000 £500,000 90 062400077 Core, 90, 5, 6.89, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 5 Years Fixed 6.89 £0 £25,000 £500,000 90 062400078 Core, 90, 5, 6.89, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 3 Years Fixed 7.09 £999 £25,000 £500,000 90 062400095 Core, 90, 3, 7.09 Purchase, Remortgage None £0 2.50
Residential Core Core 2 Years Fixed 7.19 £999 £25,000 £500,000 90 062400071 Core, 90, 2, 7.19 Purchase, Remortgage None £0 2.50
Residential Core Core 3 Years Fixed 7.19 £0 £25,000 £500,000 90 062400096 Core, 90, 3, 7.19, FV Purchase Free Vals £0 2.50
Residential Core Core 3 Years Fixed 7.19 £0 £25,000 £500,000 90 062400097 Core, 90, 3, 7.19, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 3 Years Fixed 7.19 £0 £25,000 £500,000 90 062400098 Core, 90, 3, 7.19, FVCB250 Remortgage Free Vals £250 2.50
Residential Core Core 2 Years Fixed 7.39 0 £25,000 £500,000 90 082400169 Core, 90, 2, 7.39, FV Purchase Free Vals £0 2.50
Residential Core Core 2 Years Fixed 7.39 0 £25,000 £500,000 90 082400170 Core, 90, 2, 7.39, FLFV Remortgage Free Vals, Free Legals £0 2.50
Residential Core Core 2 Years Fixed 7.39 0 £25,000 £500,000 90 082400171 Core, 90, 2, 7.39, FVCB250 Remortgage Free Vals £250 2.50
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion
Margin
(above
KSR)
Help to Buy - Wales Core 5 Years Fixed 6.49 0 £25,000 £500,000 75 082400195 HTB, 75, 5, 6.49, FV Purchase, Remortgage Free Vals £0 2.50
Help to Buy - Wales Core 2 Years Fixed 6.89 0 £25,000 £500,000 75 082400194 HTB, 75, 2, 6.89, FV Purchase, Remortgage Free Vals £0 2.50
Help to Buy Core 5 Years Fixed 6.49 0 £25,000 £500,000 75 082400095 HTB, 75, 5, 6.49, FV Remortgage Free Vals £0 2.50
Help to Buy Core 2 Years Fixed 6.89 0 £25,000 £500,000 75 082400094 HTB, 75, 2, 6.89, FV Remortgage Free Vals £0 2.50
Help To Buy (Equity Loan)
* See Credit Criteria page for full details
** Help to Buy products are not available in Northern Ireland
RESIDENTIAL PRODUCTS - HELP TO BUY
Residential Help to Buy
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV**
Product
Code
Product Name Loan Purpose Incentives Cashback
Reversion
Margin
(above KSR)
Right to Buy Core 5 Years Fixed 6.59 0 £25,000 £500,000 75 082400093 RTB, 75, 5, 6.59, FV Purchase Free Vals £0 2.50
Right to Buy Core 2 Years Fixed 7.19 0 £25,000 £500,000 75 082400092 RTB, 75, 2, 7.19, FV Purchase Free Vals £0 2.50
100% of discounted purchase price
• Borrow up to 100% of discounted purchase price (Maximum 75% overall LTV)
• Repayment only
* See Credit Criteria page for full details
** Right to Buy products are not available in Northern Ireland
RESIDENTIAL PRODUCTS - RIGHT TO BUY
Residential Right to Buy
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV**
Product
Code
Product Name Loan Purpose Incentives** Cashback
Reversion
Margin
(above
KSR)
Core - Property Plus Core 5 Years Fixed 5.74 £999 £25,000 £500,000 75 082400121 Core, 75, 5, 5.74 Purchase, Remortgage None £0 2.50
Core - Property Plus Core 5 Years Fixed 5.94 0 £25,000 £500,000 75 082400125 Core, 75, 5, 5.94, FV Purchase Free Vals £0 2.50
Core - Property Plus Core 5 Years Fixed 5.94 0 £25,000 £500,000 75 082400126 Core, 75, 5, 5.94, FLFV Remortgage Free Vals, Free Legals £0 2.50
Core - Property Plus Core 5 Years Fixed 5.94 0 £25,000 £500,000 75 082400127 Core, 75, 5, 5.94, FVCB250 Remortgage Free Vals £250 2.50
Core - Property Plus Core 2 Years Fixed 6.04 £999 £25,000 £500,000 75 082400120 Core, 75, 2, 6.04 Purchase, Remortgage None £0 2.50
Core - Property Plus Core 2 Years Fixed 6.34 0 £25,000 £500,000 75 082400122 Core, 75, 2, 6.34, FV Purchase Free Vals £0 2.50
Core - Property Plus Core 2 Years Fixed 6.34 0 £25,000 £500,000 75 082400123 Core, 75, 2, 6.34, FLFV Remortgage Free Vals, Free Legals £0 2.50
Core - Property Plus Core 2 Years Fixed 6.34 0 £25,000 £500,000 75 082400124 Core, 75, 2, 6.34, FVCB250 Remortgage Free Vals £250 2.50
RESIDENTIAL PRODUCTS - PROPERTY PLUS
For homes of non-standard construction
* See Credit Criteria page for full details
** Free legals incentive not currently available in Northern Ireland.
Residential Property Plus
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion Margin
(above KSR)
RESI 12 RESI 12 5 Years Fixed 6.10 £999 £25,000 £500,000 70 082400296 RESI 12, 70, 5, 6.1 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.20 0 £25,000 £500,000 70 082400300 RESI 12, 70, 5, 6.2, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.20 0 £25,000 £500,000 70 082400301 RESI 12, 70, 5, 6.2, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.20 0 £25,000 £500,000 70 082400302 RESI 12, 70, 5, 6.2, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 2 Years Fixed 6.30 £999 £25,000 £500,000 70 082400295 RESI 12, 70, 2, 6.3 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.40 0 £25,000 £500,000 70 082400297 RESI 12, 70, 2, 6.4, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.40 0 £25,000 £500,000 70 082400298 RESI 12, 70, 2, 6.4, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.40 0 £25,000 £500,000 70 082400299 RESI 12, 70, 2, 6.4, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 5 Years Fixed 6.15 £999 £25,000 £500,000 75 082400221 RESI 12, 75, 5, 6.15 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.25 0 £25,000 £500,000 75 082400229 RESI 12, 75, 5, 6.25, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.25 0 £25,000 £500,000 75 082400230 RESI 12, 75, 5, 6.25, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.25 0 £25,000 £500,000 75 082400231 RESI 12, 75, 5, 6.25, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 3 Years Fixed 6.25 £999 £25,000 £500,000 75 082400283 RESI 12, 75, 3, 6.25 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.35 £999 £25,000 £500,000 75 082400220 RESI 12, 75, 2, 6.35 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.35 0 £25,000 £500,000 75 082400286 RESI 12, 75, 3, 6.35, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.35 0 £25,000 £500,000 75 082400287 RESI 12, 75, 3, 6.35, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.35 0 £25,000 £500,000 75 082400288 RESI 12, 75, 3, 6.35, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 2 Years Fixed 6.45 0 £25,000 £500,000 75 082400226 RESI 12, 75, 2, 6.45, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.45 0 £25,000 £500,000 75 082400227 RESI 12, 75, 2, 6.45, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.45 0 £25,000 £500,000 75 082400228 RESI 12, 75, 2, 6.45, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 5 Years Fixed 6.45 £999 £25,000 £500,000 80 082400223 RESI 12, 80, 5, 6.45 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.55 £999 £25,000 £500,000 80 082400284 RESI 12, 80, 3, 6.55 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.65 £999 £25,000 £500,000 80 082400222 RESI 12, 80, 2, 6.65 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.79 0 £25,000 £500,000 80 082400235 RESI 12, 80, 5, 6.79, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.79 0 £25,000 £500,000 80 082400236 RESI 12, 80, 5, 6.79, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 5 Years Fixed 6.79 0 £25,000 £500,000 80 082400237 RESI 12, 80, 5, 6.79, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 3 Years Fixed 6.89 0 £25,000 £500,000 80 082400289 RESI 12, 80, 3, 6.89, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.89 0 £25,000 £500,000 80 082400290 RESI 12, 80, 3, 6.89, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.89 0 £25,000 £500,000 80 082400291 RESI 12, 80, 3, 6.89, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 2 Years Fixed 6.99 0 £25,000 £500,000 80 082400232 RESI 12, 80, 2, 6.99, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.99 0 £25,000 £500,000 80 082400233 RESI 12, 80, 2, 6.99, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.99 0 £25,000 £500,000 80 082400234 RESI 12, 80, 2, 6.99, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 5 Years Fixed 6.74 £999 £25,000 £500,000 85 082400225 RESI 12, 85, 5, 6.74 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 3 Years Fixed 6.84 £999 £25,000 £500,000 85 082400285 RESI 12, 85, 3, 6.84 Purchase, Remortgage None £0 2.50
RESI 12 RESI 12 2 Years Fixed 6.94 £999 £25,000 £500,000 85 082400224 RESI 12, 85, 2, 6.94 Purchase, Remortgage None £0 2.50
RESIDENTIAL PRODUCTS - RESI 12
For those with a small credit blip more than 12 months ago
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
Residential Resi 12
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion Margin
(above KSR)
Residential Resi 12
RESI 12 RESI 12 5 Years Fixed 7.14 0 £25,000 £500,000 85 082400241 RESI 12, 85, 5, 7.14, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 5 Years Fixed 7.14 0 £25,000 £500,000 85 082400242 RESI 12, 85, 5, 7.14, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 5 Years Fixed 7.14 0 £25,000 £500,000 85 082400243 RESI 12, 85, 5, 7.14, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 3 Years Fixed 7.24 0 £25,000 £500,000 85 082400292 RESI 12, 85, 3, 7.24, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 3 Years Fixed 7.24 0 £25,000 £500,000 85 082400293 RESI 12, 85, 3, 7.24, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 3 Years Fixed 7.24 0 £25,000 £500,000 85 082400294 RESI 12, 85, 3, 7.24, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12 2 Years Fixed 7.34 0 £25,000 £500,000 85 082400238 RESI 12, 85, 2, 7.34, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12 2 Years Fixed 7.34 0 £25,000 £500,000 85 082400239 RESI 12, 85, 2, 7.34, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 12 RESI 12 2 Years Fixed 7.34 0 £25,000 £500,000 85 082400240 RESI 12, 85, 2, 7.34, FVCB250 Remortgage Free Vals £250 2.50
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion
Margin (above
KSR)
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
6.47,
5.33
£999 £25,000 £500,000 75 082400196 RESI 12 Step, 75, 5, 6.47
Purchase,
Remortgage
None £0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
6.57,
5.42
0 £25,000 £500,000 75 082400199 RESI 12 Step, 75, 5, 6.57, FV
Purchase Free Vals £0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
6.57,
5.42
0 £25,000 £500,000 75 082400200 RESI 12 Step, 75, 5, 6.57, FLFV
Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
6.57,
5.42
0 £25,000 £500,000 75 082400201 RESI 12 Step, 75, 5, 6.57, FVCB250
Remortgage Free Vals £250 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
6.78,
5.60
£999 £25,000 £500,000 80 082400197 RESI 12 Step, 80, 5, 6.78
Purchase,
Remortgage
None £0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.14,
5.89
0 £25,000 £500,000 80 082400202 RESI 12 Step, 80, 5, 7.14, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.14,
5.89
0 £25,000 £500,000 80 082400203 RESI 12 Step, 80, 5, 7.14, FLFV Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.14,
5.89
0 £25,000 £500,000 80 082400204 RESI 12 Step, 80, 5, 7.14, FVCB250 Remortgage Free Vals £250 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.09,
5.85
£999 £25,000 £500,000 85 082400198 RESI 12 Step, 85, 5, 7.09
Purchase,
Remortgage
None £0 2.50
RESIDENTIAL PRODUCTS - RESI 12 STEP DOWN
A 5 year fixed term for clients with a small credit blip more than 12 months ago
The 5 year Step Down fixed rate option provides a fixed rate for the first 2 years, followed by a lower fixed rate for the remaining 3 years, giving your client an overall saving compared to the equivalent Resi 12 5 year
fixed rate.
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
Residential Resi 12 Step Down
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion
Margin (above
KSR)
Residential Resi 12 Step Down
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.51,
6.20
0 £25,000 £500,000 85 082400205 RESI 12 Step, 85, 5, 7.51, FV Purchase Free Vals £0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.51,
6.20
0 £25,000 £500,000 85 082400206 RESI 12 Step, 85, 5, 7.51, FLFV Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 12 RESI 12
5 Year Fixed
(2 Year Fixed then
3 Year Fixed)
7.51,
6.20
0 £25,000 £500,000 85 082400207 RESI 12 Step, 85, 5, 7.51, FVCB250 Remortgage Free Vals £250 2.50
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion Margin
(above KSR)
RESI 6 Resi 6 5 Years Fixed 6.30 £999 £25,000 £500,000 70 082400181 RESI 6, 70, 5, 6.3 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.50 0 £25,000 £500,000 70 082400185 RESI 6, 70, 5, 6.5, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.50 0 £25,000 £500,000 70 082400186 RESI 6, 70, 5, 6.5, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.50 0 £25,000 £500,000 70 082400187 RESI 6, 70, 5, 6.5, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 2 Years Fixed 6.60 £999 £25,000 £500,000 70 082400180 RESI 6, 70, 2, 6.6 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.80 0 £25,000 £500,000 70 082400182 RESI 6, 70, 2, 6.8, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.80 0 £25,000 £500,000 70 082400183 RESI 6, 70, 2, 6.8, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.80 0 £25,000 £500,000 70 082400184 RESI 6, 70, 2, 6.8, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 5 Years Fixed 6.35 £999 £25,000 £500,000 75 082400069 RESI 6, 75, 5, 6.35 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 3 Years Fixed 6.45 £999 £25,000 £500,000 75 082400268 RESI 6, 75, 3, 6.45 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.55 0 £25,000 £500,000 75 082400077 RESI 6, 75, 5, 6.55, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.55 0 £25,000 £500,000 75 082400078 RESI 6, 75, 5, 6.55, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 5 Years Fixed 6.55 0 £25,000 £500,000 75 082400079 RESI 6, 75, 5, 6.55, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 2 Years Fixed 6.65 £999 £25,000 £500,000 75 082400068 RESI 6, 75, 2, 6.65 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 3 Years Fixed 6.65 0 £25,000 £500,000 75 082400271 RESI 6, 75, 3, 6.65, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 3 Years Fixed 6.65 0 £25,000 £500,000 75 082400272 RESI 6, 75, 3, 6.65, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 3 Years Fixed 6.65 0 £25,000 £500,000 75 082400273 RESI 6, 75, 3, 6.65, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 2 Years Fixed 6.95 0 £25,000 £500,000 75 082400074 RESI 6, 75, 2, 6.95, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.95 0 £25,000 £500,000 75 082400075 RESI 6, 75, 2, 6.95, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.95 0 £25,000 £500,000 75 082400076 RESI 6, 75, 2, 6.95, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 5 Years Fixed 6.65 £999 £25,000 £500,000 80 082400071 RESI 6, 80, 5, 6.65 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 3 Years Fixed 6.75 £999 £25,000 £500,000 80 082400269 RESI 6, 80, 3, 6.75 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 2 Years Fixed 6.95 £999 £25,000 £500,000 80 082400070 RESI 6, 80, 2, 6.95 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 5 Years Fixed 7.09 0 £25,000 £500,000 80 082400083 RESI 6, 80, 5, 7.09, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 5 Years Fixed 7.09 0 £25,000 £500,000 80 082400084 RESI 6, 80, 5, 7.09, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 5 Years Fixed 7.09 0 £25,000 £500,000 80 082400085 RESI 6, 80, 5, 7.09, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 3 Years Fixed 7.19 0 £25,000 £500,000 80 082400274 RESI 6, 80, 3, 7.19, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 3 Years Fixed 7.19 0 £25,000 £500,000 80 082400275 RESI 6, 80, 3, 7.19, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 3 Years Fixed 7.19 0 £25,000 £500,000 80 082400276 RESI 6, 80, 3, 7.19, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 2 Years Fixed 7.39 0 £25,000 £500,000 80 082400080 RESI 6, 80, 2, 7.39, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 2 Years Fixed 7.39 0 £25,000 £500,000 80 082400081 RESI 6, 80, 2, 7.39, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 2 Years Fixed 7.39 0 £25,000 £500,000 80 082400082 RESI 6, 80, 2, 7.39, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 5 Years Fixed 6.94 £999 £25,000 £500,000 85 082400073 RESI 6, 85, 5, 6.94 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 3 Years Fixed 7.04 £999 £25,000 £500,000 85 082400270 RESI 6, 85, 3, 7.04 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 2 Years Fixed 7.24 £999 £25,000 £500,000 85 082400072 RESI 6, 85, 2, 7.24 Purchase, Remortgage None £0 2.50
RESI 6 Resi 6 5 Years Fixed 7.24 0 £25,000 £500,000 85 082400089 RESI 6, 85, 5, 7.24, FV Purchase Free Vals £0 2.50
RESIDENTIAL PRODUCTS - RESI 6
For those with a small credit blip more than 6 months ago
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
Residential Resi 6
Product Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion Margin
(above KSR)
Residential Resi 6
RESI 6 Resi 6 5 Years Fixed 7.24 0 £25,000 £500,000 85 082400090 RESI 6, 85, 5, 7.24, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 5 Years Fixed 7.24 0 £25,000 £500,000 85 082400091 RESI 6, 85, 5, 7.24, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 3 Years Fixed 7.34 0 £25,000 £500,000 85 082400277 RESI 6, 85, 3, 7.34, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 3 Years Fixed 7.34 0 £25,000 £500,000 85 082400278 RESI 6, 85, 3, 7.34, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 3 Years Fixed 7.34 0 £25,000 £500,000 85 082400279 RESI 6, 85, 3, 7.34, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6 2 Years Fixed 7.74 0 £25,000 £500,000 85 082400086 RESI 6, 85, 2, 7.74, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6 2 Years Fixed 7.74 0 £25,000 £500,000 85 082400087 RESI 6, 85, 2, 7.74, FLFV Remortgage Free Vals, Free Legals £0 2.50
RESI 6 Resi 6 2 Years Fixed 7.74 0 £25,000 £500,000 85 082400088 RESI 6, 85, 2, 7.74, FVCB250 Remortgage Free Vals £250 2.50
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion
Margin (above
KSR)
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
6.68,
5.51
£999 £25,000 £500,000 75 082400208 RESI 6 Step, 75, 5, 6.68
Purchase,
Remortgage
None £0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
6.89,
5.68
0 £25,000 £500,000 75 082400211 RESI 6 Step, 75, 5, 6.89, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
6.89,
5.68
0 £25,000 £500,000 75 082400212 RESI 6 Step, 75, 5, 6.89, FLFV Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
6.89,
5.68
0 £25,000 £500,000 75 082400213 RESI 6 Step, 75, 5, 6.89, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
6.99,
5.78
£999 £25,000 £500,000 80 082400209 RESI 6 Step, 80, 5, 6.99
Purchase,
Remortgage
None £0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.45,
6.15
0 £25,000 £500,000 80 082400214 RESI 6 Step, 80, 5, 7.45, FV Purchase Free Vals £0 2.50
RESIDENTIAL PRODUCTS - RESI 6 STEP DOWN
A 5 year fixed term for clients with a small credit blip more than 6 months ago
The 5 year Step Down fixed rate option provides a fixed rate for the first 2 years, followed by a lower fixed rate for the remaining 3 years, giving your client an overall saving compared to the equivalent Resi 6 5 year
fixed rate.
* See Credit Criteria page for full details
** Northern Ireland currently capped at 80% LTV and £500,000 maximum loan amount. Free legals incentive not currently available in Northern Ireland.
Residential Resi 6 Step Down
Product
Category
Credit
Criteria *
Initial Period
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives Cashback
Reversion
Margin (above
KSR)
Residential Resi 6 Step Down
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.45,
6.15
0 £25,000 £500,000 80 082400215 RESI 6 Step, 80, 5, 7.45, FLFV Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.45,
6.15
0 £25,000 £500,000 80 082400216 RESI 6 Step, 80, 5, 7.45, FVCB250 Remortgage Free Vals £250 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.30,
6.02
£999 £25,000 £500,000 85 082400210 RESI 6 Step, 85, 5, 7.3
Purchase,
Remortgage
None £0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.61,
6.28
0 £25,000 £500,000 85 082400217 RESI 6 Step, 85, 5, 7.61, FV Purchase Free Vals £0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.61,
6.28
0 £25,000 £500,000 85 082400218 RESI 6 Step, 85, 5, 7.61, FLFV Remortgage
Free Vals,
Free Legals
£0 2.50
RESI 6 Resi 6
5 Year Fixed (2 Year
Fixed followed by 3
Year Fixed)
7.61,
6.28
0 £25,000 £500,000 85 082400219 RESI 6 Step, 85, 5, 7.61, FVCB250 Remortgage Free Vals £250 2.50
RESIDENTIAL CRITERIA SUMMARY
Minimum loan amount
Please refer to product grid for minimum loan amount.
Maximum loan amount
Please refer to product grid for maximum loan amount.
Where fees are added to the loan then affordability will be calculated on the gross loan amount. Please note,
that our maximum lending to an individual (or joint applicants) is limited to no greater than £2m across
Residential and Buy to Let mortgages.
Employment status
Employed/Self-employed. For the Hero Mortgage Range, Employed in Public Sector only.
Region
England, Wales, mainland Scotland and Northern Ireland only.
Minimum age at submission 18 Years.
Maximum age
Maximum age is 70 at the end of the term. Where a customer is borrowing beyond the age of 70, this can be
agreed on repayment mortgage and up to a maximum age of 75.
Minimum term
5 Years, except: The minimum term for 5 year fixed rates is 6 year fixed and the minimum term for 10 year
fixed is 11 year Fixed.
Maximum term 40 Years
Minimum valuation £75,000
New build
Maximum 90% LTV. Subject to product maximums and underwriter discretion regarding new build exposure.
Once an Offer is produced it is valid for a 180-day period. Extensions may be granted on purchase
applications subject to reassessment of the client, income (where applicable), re-inspection of the property
(where applicable) and new product.
Minimum income
Professional range: £35,000 sole applications £50,000 joint applications.
All other products no minimum income. All applications underwritten on affordability.
Referencing
Credit search will be undertaken for all applicants and where they do not appear on the electoral roll, proof of
residency will be obtained covering a period of 24 months. Where the applicants cannot be verified by E-ID,
proof of ID will be required.
Income verification:
Employed - payslips covering the last 3 months plus the latest P60. Where the LTV is less than 75%, the latest
P60 and most recent payslip are acceptable providing that no variable income is being considered.
Self-employed - most recent finalised and agreed accounts (for tax assessment) attached to the
a minimum of 2 Year trading will be required including proof of income.
Interest Only - proof of interest only repayment vehicle is required (Supplementary Form for Interest Only
must be completed).
We may request additional information including most recent 3 months bank statements.
Shared Ownership
Purchase and remortgage. England & Wales only. Up to £90k joint income for applicants within London. Up
to £80k for joint applicants within England (excluding London). Up to £60k joint income for applicants within
Wales. Up to 95% loan to customer share; subject to max 75% open market value LTV. Minimum Share
purchase 25%.
We only accept shared ownership scheme providers registered in England and Wales with the Homes and
Communities Agency (Homes England) and the Welsh Assembly (Shared Ownership-Wales). For a list of all
current providers please see the relevant website
www.gov.uk/government/publications/registered-providers-of-social-housing
www.gov.wales/registered-social-landlords
The lease must be in the standard model format produced by the Homes and Communities Agency
incorporating a Mortgage Protection Clause and the lease must allow staircasing up to 100% ownership and
have no re-sale or section 106 restrictions
Self-employed trading
history
Up to 85% 1 year trading
90%, 92.5% and 95% 2 year trading
Help to Buy
The Government Help to Buy scheme in England & Scotland is closed. We can still help your clients
remortgaging their Help to Buy property in England or Scotland.
Help to Buy Equity loan is available in Wales for purchase & remortgages
Please refer to https://www.gov.wales/help-buy-wales for scheme eligibility
Property must be rated with an EPC rating of A or B
Property Plus
Range allows for lending on the following (subject to an acceptable valuation with no comments negatively
effecting resale):
Fully Repaired Pre-Fabricated Reinforced Concrete, Poured Concrete, Steel Framed / Steel Clad (pre 2000),
100% Timber Framed (post 1980), Cob Construction, Colt Construction, Concrete Block, Stone and Part
Rendered Breeze block with Pebble Dashed Outer Walls
For additional non-standard construction types refer to:
www.kensingtonmortgages.co.uk/intermediaries/lendingcriteria and search Property Plus
Property Changes
If your client needs to change their property after the case has been submitted; this is something we can do
if the valuation has not been carried out. Please contact us for full details.
Select Credit History -
Residential Select; eKo,
Heroes, Large Loan,
Professional & Shared
Ownership
Defaults acceptable if older than 36 months
Secured Loan/ Rent Arrears acceptable if older than 36 months
Satisfied CCJs acceptable if older than 36 months (72 months for LTV's above 90%)
discretion
Unsecured Credit arrears acceptable if accounts now up to date (max status of 2 in last 12 months)
We are unable to accept any Debt Management Plans (DMP) in place less than 12 months
Payday loans acceptable if older than 12 months
application. Bank Account defaults/arrears subject to underwriter discretion.
Core Credit History -
Residential Core; Property
Plus, Help to Buy & Right to
Buy
Defaults acceptable if older than 24 months
Secured Loan/ Rent Arrears acceptable if older than 24 months
Satisfied CCJs acceptable if older than 24 months
discretion
Unsecured Credit arrears acceptable if accounts now up to date (max status of 2 in last 12 months)
We are unable to accept any Debt Management Plans (DMP) in place less than 12 months
Payday loans acceptable if older than 12 months
application. Bank Account defaults/arrears subject to underwriter discretion.
Resi 12 Credit History -
Resi 12;
Defaults acceptable: Max 1 in 24 months, 0 in 12. Satisfied or unsatisfied. Max £1,500
Secured Loan/ Rent Arrears: 1 in 24 months, 0 in 12 (worst status)
CCJs: Max of 1 registered in 24 months. 0 in 12 (registered), maximum total of £1000. Need not be satisfied.
Unsecured Credit arrears acceptable if accounts now up to date (max status of 2 in last 12 months)
We are unable to accept any Debt Management Plans (DMP) in place less than 12 months
Payday loans acceptable if older than 12 months
application. Bank Account defaults/arrears subject to underwriter discretion.
Resi 6 Credit History -
Resi 6;
Defaults acceptable: Max 1 in 24 months, 0 in 6. Satisfied or unsatisfied. Max £1,500
Secured Loan/ Rent Arrears: 1 in 24 months, 0 in 3 (worst status)
CCJs: Max of 1 registered in 24 months. 0 in 6 (registered), maximum total of £1000. Need not be satisfied.
Unsecured Credit arrears: No max status. If current/existing arrears are present the last 6 months payments
must have been made.
We are unable to accept any Debt Management Plans (DMP) in place less than 12 months
Payday loans acceptable if older than 6 months
application. Bank Account defaults/arrears subject to underwriter discretion.
Repayment Only
Not Available for First Time Buyers
Product Transfers
For more information visit www.kensingtonmortgages.co.uk/intermediaries/product-transfers . You will be emailed if
your clients are eligible 4 months before their fixed rate is ending.
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales:
Company No. 03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage
Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment
mortgage contracts are not regulated by the FCA.
CRITERIA SELECT CORE RESI 12 RESI 6
Ranges
Select Residential,
eKo, Hero, Professional, Large
Loan, Shared Ownership
Core Residential, Property
Plus, Help to Buy, Right to
Buy
Resi 12 Resi 6
Defaults acceptable (if older
than)
36 months
No limit on number or value
24 months
No limit on number or value
0 in 12 months
1 in last 24 months
max of £1,500
0 in 6 months
1 in last 24 months
max of £1,500
Secured Loan/Rent Arrears
acceptable (if older than)
36 months 24 months
0 in 12 months
Worst status 1 in 24 months.
0 in 3 months
Worst status 1 in 24 months.
be accepted at the
underwriters discretion)
36 months ago
72 months for products above 90% LTV
No limit on number or value
24 months ago
No limit on number or value
0 in 12 months (registered)
1 in last 24 months
max of £1,000
0 in 6 months (registered)
1 in last 24 months
max of £1,000
Unsecured Credit arrears
acceptable if
accounts now up to date
Max status of 2
in last 12 months
Max status of 2
in last 12 months
Max status of 2
in last 12 months
No max status,
last 6 months payments
must have been made
Debt Management Plans
(DMPs) accept with a
track record of
12 months 12 months 12 months 12 months
No Payday loans, taken out
within the last
12 months 12 months 12 months 6 months
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales: Company No. 03049877. Registered
address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority
(Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the FCA.
Communication/Insurance/Bank Account and utility defaults:
discretion.
0800 111 020
#kensingtondifference
RESIDENTIAL CREDIT SUMMARY
Important bankruptcy update:
We can accept customers that have not been, in last 6 years, subject to proceedings for Bankruptcy/ Sequestration or an Individual Voluntary Arrangement (IVA) / Protected
Trust Deed and/or Debt Arrangement Scheme (DAS) and must be satisfied/ discharged and no longer showing on credit bureau
For full criteria details:
www.kensingtonmortgages.co.uk/intermediaries/criteria
To find your local BDM:
www.kensingtonmortgages.co.uk/intermediaries/bdm
Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6-10
1 Year Fixed 1.50%
2 Year Fixed 3.00% 2.00%
3 Year Fixed 3.00% 2.00% 1.00%
5 Year Fixed 4.00% 3.00% 1.50% 1.00% 1.00%
2 Year Tracker 1.00% 1.00%
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England &
Wales: Company No. 03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington
Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some
investment mortgage contracts are not regulated by the FCA.
ERC's
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 11-15 Year Fixed 5.57 £1499 £75,000 £2,000,000 60 102200052 Select FFT, 15Y 60, 5.57, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 5.79 £0 £75,000 £2,000,000 60 102200053 Select FFT, 15Y 60, 5.79, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 5.79 £0 £75,000 £500,000 60 102200054 Select FFT, 15Y 60, 5.79, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 5.80 £1499 £75,000 £2,000,000 75 102200049 Select FFT, 15Y 75, 5.8, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 6.03 £0 £75,000 £2,000,000 75 102200050 Select FFT, 15Y 75, 6.03, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 6.03 £0 £75,000 £500,000 75 102200051 Select FFT, 15Y 75, 6.03, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 5.94 £1499 £75,000 £1,500,000 85 102200046 Select FFT, 15Y 85, 5.94, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 6.17 £0 £75,000 £1,500,000 85 102200047 Select FFT, 15Y 85, 6.17, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 11-15 Year Fixed 6.17 £0 £75,000 £500,000 85 102200048 Select FFT, 15Y 85, 6.17, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 16-20 Year Fixed 5.59 £1499 £75,000 £2,000,000 60 102200043 Select FFT, 20Y 60, 5.59, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 5.78 £0 £75,000 £2,000,000 60 102200044 Select FFT, 20Y 60, 5.78, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 5.78 £0 £75,000 £500,000 60 102200045 Select FFT, 20Y 60, 5.78, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 5.82 £1499 £75,000 £2,000,000 75 102200040 Select FFT, 20Y 75, 5.82, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 6.01 £0 £75,000 £2,000,000 75 102200041 Select FFT, 20Y 75, 6.01, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 6.01 £0 £75,000 £500,000 75 102200042 Select FFT, 20Y 75, 6.01, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 6.04 £1499 £75,000 £1,500,000 85 102200037 Select FFT, 20Y 85, 6.04, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 6.23 £0 £75,000 £1,500,000 85 102200038 Select FFT, 20Y 85, 6.23, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 16-20 Year Fixed 6.23 £0 £75,000 £500,000 85 102200039 Select FFT, 20Y 85, 6.23, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
RESIDENTIAL PRODUCTS - FLEXI FIXED FOR TERM
A capital repayment mortgages that lets borrowers fix their mortgage term for 11 to 40 years and pay a fixed interest rate for the
duration of the mortgage
* See Credit Criteria page for full details
** Maximum loan amount; Up to 75% LTV to £2,000,000, £1,000,000 for First Time Buyers. Up to 85% LTV £1,500,000, £1,000,000 for First Time Buyers.
Not available for Packaged Cases, Not available in Northern Ireland, Repayment Only
Flexi Fixed For Term
For those wanting a term 11- 15 Year Fixed
Flexi Fixed For Term
For those wanting a term 16-20 Year Fixed
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 21- 25 Year Fixed 5.60 £1499 £75,000 £2,000,000 60 102200034 Select FFT, 25Y 60, 5.6, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 5.76 £0 £75,000 £2,000,000 60 102200035 Select FFT, 25Y 60, 5.76, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 5.76 £0 £75,000 £500,000 60 102200036 Select FFT, 25Y 60, 5.76, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 5.83 £1499 £75,000 £2,000,000 75 102200031 Select FFT, 25Y 75, 5.83, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 6.00 £0 £75,000 £2,000,000 75 102200032 Select FFT, 25Y 75, 6, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 6.00 £0 £75,000 £500,000 75 102200033 Select FFT, 25Y 75, 6, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 6.05 £1499 £75,000 £1,500,000 85 102200028 Select FFT, 25Y 85, 6.05, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 6.21 £0 £75,000 £1,500,000 85 102200029 Select FFT, 25Y 85, 6.21, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 21- 25 Year Fixed 6.21 £0 £75,000 £500,000 85 102200030 Select FFT, 25Y 85, 6.21, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 26-30 Year Fixed 5.65 £1499 £75,000 £2,000,000 60 102200025 Select FFT, 30Y 60, 5.65, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 5.80 £0 £75,000 £2,000,000 60 102200026 Select FFT, 30Y 60, 5.8, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 5.80 £0 £75,000 £500,000 60 102200027 Select FFT, 30Y 60, 5.8, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 5.89 £1499 £75,000 £2,000,000 75 102200022 Select FFT, 30Y 75, 5.89, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 6.04 £0 £75,000 £2,000,000 75 102200023 Select FFT, 30Y 75, 6.04, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 6.04 £0 £75,000 £500,000 75 102200024 Select FFT, 30Y 75, 6.04, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 6.10 £1499 £75,000 £1,500,000 85 102200019 Select FFT, 30Y 85, 6.1, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 6.26 £0 £75,000 £1,500,000 85 102200020 Select FFT, 30Y 85, 6.26, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 26-30 Year Fixed 6.26 £0 £75,000 £500,000 85 102200021 Select FFT, 30Y 85, 6.26, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Flexi Fixed For Term
For those wanting a term 21-25 Year Fixed
Flexi Fixed For Term
For those wanting a term 26-30 Year Fixed
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 31- 35 Year Fixed 5.71 £1499 £75,000 £2,000,000 60 102200016 Select FFT, 35Y 60, 5.71, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 5.86 £0 £75,000 £2,000,000 60 102200017 Select FFT, 35Y 60, 5.86, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 5.86 £0 £75,000 £500,000 60 102200018 Select FFT, 35Y 60, 5.86, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 5.93 £1499 £75,000 £2,000,000 75 102200013 Select FFT, 35Y 75, 5.93, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 6.08 £0 £75,000 £2,000,000 75 102200014 Select FFT, 35Y 75, 6.08, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 6.08 £0 £75,000 £500,000 75 102200015 Select FFT, 35Y 75, 6.08, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 6.15 £1499 £75,000 £1,500,000 85 102200010 Select FFT, 35Y 85, 6.15, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 6.30 £0 £75,000 £1,500,000 85 102200011 Select FFT, 35Y 85, 6.3, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 31- 35 Year Fixed 6.30 £0 £75,000 £500,000 85 102200012 Select FFT, 35Y 85, 6.3, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Product
Category
Credit Criteria * Term Taken
Interest
Rate
Completion
Fee
Min Loan Max Loan** LTV** Product Code Product Name Loan Purpose Incentives** Cashback
Fixed for Term Fixed for Term 36- 40 Year Fixed 5.84 £1499 £75,000 £2,000,000 60 102200007 Select FFT, 40Y 60, 5.84, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 5.98 £0 £75,000 £2,000,000 60 102200008 Select FFT, 40Y 60, 5.98, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 5.98 £0 £75,000 £500,000 60 102200009 Select FFT, 40Y 60, 5.98, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.05 £1499 £75,000 £2,000,000 75 102200004 Select FFT, 40Y 75, 6.05, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.20 £0 £75,000 £2,000,000 75 102200005 Select FFT, 40Y 75, 6.2, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.20 £0 £75,000 £500,000 75 102200006 Select FFT, 40Y 75, 6.2, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.26 £1499 £75,000 £1,500,000 85 102200001 Select FFT, 40Y 85, 6.26, 10OP Purchase, Remortgage
10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.41 £0 £75,000 £1,500,000 85 102200002 Select FFT, 40Y 85, 6.41, FV10OP Purchase, Remortgage
Free Vals, 10% Overpayment
£0
Fixed for Term Fixed for Term 36- 40 Year Fixed 6.41 £0 £75,000 £500,000 85 102200003 Select FFT, 40Y 85, 6.41, FLFV10OP Remortgage
Free Vals, Free Legals, 10% Overpayment
£0
Flexi Fixed For Term
For those wanting a term 36-40 Year Fixed
Flexi Fixed For Term
For those wanting a term 31-35 Year Fixed
FLEXI FIXED FOR TERM
Minimum Loan
£75,000
Maximum loan amount
Please refer to product grid for Maximum loan amount.
Where fees are added to the loan then affordability will be calculated on the gross loan amount. Fees cannot be
added above 90%
Please note, that our maximum lending to an individual (or joint applicants) is limited to no greater than £2m
across Residential and Buy to Let mortgages.
Employment status
Employed/Self-employed.
Must have been in current employment minimum 12 months
Region England, Wales, mainland Scotland
Minimum age at submission 18 Years
Maximum age Maximum age is 70 at the end of the term.
Minimum term
11 Years
Maximum term
40 Years
Additional Lending
Available. Additional lending is acceptable to fund the maintenance or development of the security property or
the purchase of an alternative property (where the mortgage is to be ported to that property). Additional lending
is not available in the first 12 months of the mortgage and is subject to assessment criteria and availability at the
time of application.
New business Rates apply for Additional Lending
Porting
Allowed. This option is not available in the first 12 months and will be subject to assessment criteria at the time of
application.
New build
Maximum 90% LTV for Houses and 85% for Flats. Subject to product maximums and underwriter discretion
regarding new build exposure.
Once an Offer is produced it is valid for a 180-day period. Extensions may be granted on purchase applications
subject to reassessment of the client, income (where applicable), re-inspection of the property (where applicable)
and new product.
Minimum income No minimum income. All applications underwritten on affordability.
Referencing
Credit search will be undertaken for all applicants and where they do not appear on the electoral roll, proof of
residency will be obtained covering a period of 24 months. Where the applicants cannot be verified by E-ID, proof
of ID will be required.
Income verification:
Employed - payslips covering the last 3 months plus the latest P60. Where the LTV is less than 75%, the latest P60
and most recent payslip are acceptable providing that no variable income is being considered.
Self-employed - a minimum of 2 Year Fixed trading will be required including proof of income.
We may request additional information including most recent 3 months bank statements.
Self-employed trading
history
A minimum of 2 year's trading history is required and the lower of:
- the average of the last 2 year's net profit figures;
will be considered when assessing affordability.
Fixed for Term Credit History
- Flexi Fixed for Term
See Flexi Fixed for Term Credit Summary page
Gifted Deposit Is acceptable. Immediate family members only
Procuration Fee
We will pay a gross Procuration fee of 0.75%. If applicable please contact your mortgage club/network for your
net amount; a total of any fees will be shown on the ESIS.
RESIDENTIAL CRITERIA SUMMARY
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales:
Company No. 03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage
Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment
mortgage contracts are not regulated by the FCA.
CRITERIA
Ranges
Defaults acceptable (if older than)
Secured Loan Arrears acceptable (if
older than)
CCJs
Unsecured Credit arrears acceptable if
accounts now up to date
Debt Management Plans (DMPs)
No Payday loans, taken out within the
last
IVA
Bankruptcy
Previous reposession
Not Acceptable
Communication/Insurance/Bank Account and utility defaults:
Account defaults/arrears subject to underwriter discretion.
0800 111 020
#kensingtondifference
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales: Company No.
03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage Company Limited is
authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not
regulated by the FCA.
72 months ago
No limit on number or value
0 in 24 months
(Now up to date)
None
24 months
Not Acceptable
Not Acceptable
Important bankruptcy update: We can accept customers that have not been, in last 6 Year Fixed, subject to proceedings for
Bankruptcy/Sequestration or an Individual Voluntary Arrangement (IVA) / Protected Trust Deed and/or Debt Arrangement
Scheme (DAS) and must be discharged.
36 months
RESIDENTIAL CREDIT SUMMARY
FLEXI FIXED FOR TERM
FIXED FOR TERM
Flexi Fixed for Term
36 months
No limit on number or value
For full criteria details:
www.kensingtonmortgages.co.uk/intermediaries/criteria
To find your local BDM:
www.kensingtonmortgages.co.uk/intermediaries/bdm
Term Taken
11-15 Year
Fixed
16-20 Year
Fixed
21-25 Year
Fixed
26-30 Year
Fixed
31-35 Year
Fixed
36-40 Year
Fixed
ERC Amount Payable in year
1 year 4.00% 5.00% 6.00% 7.00% 7.00% 7.00%
2 year 4.00% 5.00% 6.00% 7.00% 7.00% 7.00%
3 year 4.00% 5.00% 6.00% 7.00% 7.00% 7.00%
4 year 4.00% 5.00% 6.00% 7.00% 7.00% 7.00%
5 year 4.00% 5.00% 6.00% 7.00% 7.00% 7.00%
6 year 3.00% 4.00% 5.00% 6.00% 7.00% 7.00%
7 year 3.00% 4.00% 5.00% 6.00% 7.00% 7.00%
8 year 3.00% 4.00% 5.00% 6.00% 7.00% 7.00%
9 year 3.00% 4.00% 5.00% 6.00% 7.00% 7.00%
10 year 3.00% 4.00% 5.00% 6.00% 7.00% 7.00%
11 year 2.00% 3.00% 4.00% 5.00% 6.00% 7.00%
12 year 2.00% 3.00% 4.00% 5.00% 6.00% 7.00%
13 year 2.00% 3.00% 4.00% 5.00% 6.00% 7.00%
14 year 2.00% 3.00% 4.00% 5.00% 6.00% 7.00%
15 year 2.00% 3.00% 4.00% 5.00% 6.00% 7.00%
16 year 2.00% 3.00% 4.00% 5.00% 6.00%
17 year 2.00% 3.00% 4.00% 5.00% 6.00%
18 year 2.00% 3.00% 4.00% 5.00% 6.00%
19 year 2.00% 3.00% 4.00% 5.00% 6.00%
20 year 2.00% 3.00% 4.00% 5.00% 6.00%
21 year 2.00% 3.00% 4.00% 5.00%
22 year 2.00% 3.00% 4.00% 5.00%
23 year 2.00% 3.00% 4.00% 5.00%
24 year 2.00% 3.00% 4.00% 5.00%
25 year 2.00% 3.00% 4.00% 5.00%
26 year 2.00% 3.00% 4.00%
27 year 2.00% 3.00% 4.00%
28 year 2.00% 3.00% 4.00%
29 year 2.00% 3.00% 4.00%
32 year 2.00% 3.00%
33 year 2.00% 3.00%
34 year 2.00% 3.00%
35 year 2.00% 3.00%
36 year 2.00%
37 year 2.00%
38 year 2.00%
39 year 2.00%
40 year 2.00%
R0608202401
ERC's - FLEXI FIXED FOR TERM
Early repayment charges will not be charged if:
another lender and secured against the security property, the early repayment charge will be charged as set out below.
THIS INFORMATION IS FOR INTERMEDIARIES ONLY
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales: Company No.
03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage Company Limited is authorised
and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the FCA.
