Whatever you're looking for in a mortgage, we can find the right product for you from our range
As a Private Banking customer, we offer you an exclusive residential mortgage range. Your Private Manager will discuss your options and put you in touch with an expert adviser. At all times, these professionals will act with your best interests at heart and work with you to find the product most suited to your needs from our range. We offer a varied range of residential mortgages and Investment Housing Loans. For alternative products please see our personal banking mortgage range.
Applicants must be aged 18 or over. All loans are subject to status. Security will be required.
Your home may be repossessed if you do not keep up repayments on your mortgage
- All private repayment mortgages
- Private fixed rate
- Private buy to let
- Private offset
- Private discounted SVR
- Private professional
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Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate 75% 1.69% 31st January 20225.20%4.6% APRC £999 
2 year fixed rate - loans over £1m 75% 1.84% 31st January 20225.20%4.6% APRC £19992 year fixed rate 80% 1.89% 31st January 20225.20%4.7% APRC £999 2 year fixed rate - loans over £1m 80% 1.99% 31st January 20225.20%4.7% APRC £1,999 5 year fixed rate 75% 2.49% 31st January 20255.20%4.2% APRC £999 5 year fixed rate - loans over £1m 75% 2.49% 31st January 20255.20%4.2% APRC £1,9995 year fixed rate 80% 2.69% 31st January 20255.20%4.3% APRC £999 5 year fixed rate - loans over £1m 80% 2.69% 31st January 20255.20%4.2% APRC £1,999 2 year fixed rate BTL - fee offer 60% 2.59% 31st January 20225.60%5.1% APRC £02 year fixed rate BTL - Over £1m - London and South East only 60% 2.79% 31st January 20225.60%5.2% APRC £2,999 2 year fixed rate BTL 75% 2.49% 31st January 20225.60%5.1% APRC £1999 2 year fixed rate BTL - fee offer 75% 2.84% 31st January 20225.60%5.2% APRC £05 year fixed rate BTL - fee offer 60% 2.69% 31st January 20255.60%4.5% APRC £05 year fixed rate BTL 75% 2.59% 31st January 20255.60%4.5% APRC £1999 5 year fixed rate BTL - fee offer 75% 2.79% 31st January 20255.60%4.5% APRC £0Offset Variable Investment Housing Loan 75% 5.60% (variable) No end date Variable for term 5.9% APRC £1,9992 year offset discounted SVR 75% 2.89% (variable) 31st January 20225.20%4.9% APRC £999 2 year offset discounted SVR 80% 3.09% (variable) 31st January 20225.20%4.9% APRC £999 2 year offset discounted SVR - loans over £1m 75% 2.99%
(variable)31st January 20225.20%4.9% APRC £1,9992 year offset discounted SVR - loans over £1m 80% 3.19% (variable) 31st January 20225.20%4.9% APRC £1,999 2 year discounted SVR (SVR minus 3.01%) 75% 2.19% (variable) 31st January 20225.20%4.7% APRC £999 2 year discounted SVR (SVR minus 2.91%) 80% 2.29% (variable) 31st January 20225.20%4.7% APRC £999 2 year fixed rate - Fee offer 85% 1.89% 31st January 20225.20%4.6% APRC £02 year fixed rate - Fee offer 90% 1.99% 31st January 20225.20%4.7% APRC £05 year fixed rate - Fee offer 85% 2.19% 31st January 20255.20%4.0% APRC £05 year fixed rate - Fee offer 90% 2.34% 31st January 20255.20%4.1% APRC £0 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate 75% 1.69% 31st January 20225.20%4.6% APRC £999 2 year fixed rate - loans over £1m 75% 1.84% 31st January 20225.20%4.6% APRC £19992 year fixed rate 80% 1.89% 31st January 20225.20%4.7% APRC £999 2 year fixed rate - loans over £1m 80% 1.99% 31st January 20225.20%4.7% APRC £1,999 5 year fixed rate 75% 2.49% 31st January 20255.20%4.2% APRC £999 5 year fixed rate - loans over £1m 75% 2.49% 31st January 20255.20%4.2% APRC £1,9995 year fixed rate 80% 2.69% 31st January 20255.20%4.3% APRC £999 5 year fixed rate - loans over £1m 80% 2.69% 31st January 20255.20%4.2% APRC £1,999 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate BTL - fee offer 60% 2.59% 31st January 20225.60%5.1% APRC £02 year fixed rate BTL - Over £1m - London and South East only 60% 2.79% 31st January 20225.60%5.2% APRC £2,999 2 year fixed rate BTL 75% 2.49% 31st January 20225.60%5.1% APRC £1999 2 year fixed rate BTL - fee offer 75% 2.84% 31st January 20225.60%5.2% APRC £05 year fixed rate BTL - fee offer 60% 2.69% 31st January 20255.60%4.5% APRC £05 year fixed rate BTL 75% 2.59% 31st January 20255.60%4.5% APRC £1999 5 year fixed rate BTL - fee offer 75% 2.79% 31st January 20255.60%4.5% APRC £0Offset Variable Investment Housing Loan 75% 5.60% (variable) No end date Variable for term 5.9% APRC £1,999 -
Deal Max LTV Initial rate Discounted rate expires Follow-on rate (variable) Overall cost for comparison Product fee 2 year offset discounted SVR 75% 2.89% (variable) 31st January 20225.20%4.9% APRC £999 2 year offset discounted SVR 80% 3.09% (variable) 31st January 20225.20%4.9% APRC £999 2 year offset discounted SVR - loans over £1m 75% 2.99%
(variable)31st January 20225.20%4.9% APRC £1,9992 year offset discounted SVR - loans over £1m 80% 3.19% (variable) 31st January 20225.20%4.9% APRC £1,999 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year discounted SVR (SVR minus 3.01%) 75% 2.19% (variable) 31st January 20225.20%4.7% APRC £999 2 year discounted SVR (SVR minus 2.91%) 80% 2.29% (variable) 31st January 20225.20%4.7% APRC £999 -
Deal Max LTV Initial rate Until Follow-on rate (variable) Overall cost for comparison Product fee 2 year fixed rate - Fee offer 85% 1.89% 31st January 20225.20%4.6% APRC £02 year fixed rate - Fee offer 90% 1.99% 31st January 20225.20%4.7% APRC £05 year fixed rate - Fee offer 85% 2.19% 31st January 20255.20%4.0% APRC £05 year fixed rate - Fee offer 90% 2.34% 31st January 20255.20%4.1% APRC £0
(Rates correct as at 1st November 2019)
* Standard Variable Rate
** Offset Variable Rate
*** Offset Variable Investment Housing Loan Rate
(P) This product is only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.
Representative Example
A mortgage of £274,370 payable over 22 years, initially on a fixed rate of 1.69% for 2 years and then our Standard Variable Rate, currently 5.2%, for the remaining 20 years. This would require 26 monthly payments of £1,245.38 and then 237 monthly payments of £1,693.59 plus one final payment of £1,690.24.
The total amount payable would be £437,334.95 made up of the loan amount plus interest (£161,080.95), Product fee (£999), valuation fee (£650), Funds Transfer fee/telegraphic transfer fee (£40) and Mortgage exit fee (£195).
The overall cost for comparison is 4.6% APRC representative.
The Representative Example is for illustrative purposes only. It is representative of our full range of private repayment mortgages. Your actual costs and monthly repayments will vary depending on your mortgage. If you have refined your results using the tabs above, this example will no longer be representative.