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Residential mortgage rates

Get a quick overview of our residential rates in the table below. Or review our full product range and rates in the downloadable guide on the right.

Where a property does not meet the anticipated valuation and results in the maximum LTV being exceeded, a new product must be chosen from the current product range applicable at the time of the down-valuation.

Product type	Initial interest rate	Product fee	LTV	Early repayment charge	Notes
Tracker mortgages
Tracker	2.99% (BBBR + 2.49%) variable until 31/12/2014	£499	Up to 70%	1% of the balance repaid until 31/12/2014	Loyalty mortgage*

Tracker	3.49% (BBBR + 2.99%) variable until 31/12/2014	£499	Up to 80%	1% of the balance repaid until 31/12/2014	Loyalty mortgage*

Lifetime Tracker	3.69% (BBBR + 3.19%) variable	£999	Up to 70%	1% of the balance repaid until 31/12/2014

Lifetime Tracker	3.79% (BBBR + 3.29%) variable	£999	Up to 80%	1% of the balance repaid until 31/12/2014

2 Year Tracker	2.99% (BBBR + 2.49%) variable until 31/12/2014	£999	Up to 70%	1% of the balance repaid until 31/12/2014

2 Year Tracker	3.49% (BBBR + 2.99%) variable until 31/12/2014	£999	Up to 80%	1% of the balance repaid until 31/12/2014

2 Year Tracker	2.99% (BBBR + 2.49%) variable until 31/12/2014 then fixed at 3.99% until 31/12/2017	£999	Up to 70%	3% of the balance repaid until 31/12/2017	Future Fix†

2 Year Tracker	3.49% (BBBR + 2.99%) variable until 31/12/2014 then fixed at 4.29% until 31/12/2017	£999	Up to 80%	3% of the balance repaid until 31/12/2017	Future Fix†

Product type	Initial interest rate	Product fee	LTV	Early repayment charge	Notes
Offset mortgages
Lifetime Offset Tracker	3.69% (BBBR + 3.19%) variable	£1,499	Up to 70%	1% of the original balance upon full redemption until 31/12/2015

2 Year Offset Tracker	3.29% (BBBR + 2.79%) variable until 31/12/2014	£749	Up to 70%	1% of the original balance upon full redemption until 31/12/2014	Loyalty mortgage*

2 Year Offset Tracker	3.29% (BBBR + 2.79%) variable until 31/12/2014	£1,499	Up to 70%	1% of the original balance upon full redemption until 31/12/2014	Max loan £1m


Product type	Initial interest rate	Product fee	LTV	Early repayment charge	Notes
Fixed rate mortgages
Great Escape 2 Year Fixed	3.49% until 31/12/2014	£0	Up to 70%	3% of the balance repaid until 31/12/2014	Remortgage only Min loan £100k

Great Escape 2 Year Fixed	3.99% until 31/12/2014	£0	Up to 80%	3% of the balance repaid until 31/12/2014	Remortgage only Min loan £100k

2 Year Fixed	2.69% until 31/12/2014	£999	Up to 60%	3% of the balance repaid until 31/12/2014

2 Year Fixed	2.69% until 31/12/2014	£499	Up to 60%	3% of the balance repaid until 31/12/2014	Loyalty mortgage*

2 Year Fixed	2.89% until 31/12/2014	£999	Up to 70%	3% of the balance repaid until 31/12/2014

2 Year Fixed	2.89% until 31/12/2014	£499	Up to 70%	3% of the balance repaid until 31/12/2014	Loyalty mortgage*

2 Year Fixed	3.29% until 31/12/2014	£0	Up to 70%	3% of the balance repaid until 31/12/2014	Purchase only Min loan £50k

2 Year Fixed	3.69% until 31/12/2014	£999	Up to 80%	3% of the balance repaid until 31/12/2014

2 Year Fixed	3.69% until 31/12/2014	£499	Up to 80%	3% of the balance repaid until 31/12/2014	Loyalty mortgage*

3 Year Fixed	3.89% until 31/12/2015	£499	Up to 70%	3% of the balance repaid until 31/12/2015	Min loan £25k

3 Year Fixed	3.99% until 31/12/2015	£499	Up to 80%	3% of the balance repaid until 31/12/2015	Min loan £25k

4 Year Fixed	6.19% until 31/12/2016	£999	Up to 90%	3% of the balance repaid until 31/12/2016	Min loan £25k Max loan £500k

4 Year Fixed	6.19% until 31/12/2016	£499	Up to 90%	3% of the balance repaid until 31/12/2016	Loyalty mortgage* Min loan £25k Max loan £500k

5 Year Fixed	3.99% until 31/12/2017	£999	Up to 70%	3% of the balance repaid until 31/12/2017

5 Year Fixed	4.29% until 31/12/2017	£999	Up to 80%	3% of the balance repaid until 31/12/2017

5 Year Fixed	4.89% until 31/12/2017	£999	Up to 85%	3% of the balance repaid until 31/12/2017

5 Year Fixed	3.99% until 31/12/2017	£499	Up to 70%	3% of the balance repaid until 31/12/2017	Loyalty mortgage*

5 Year Fixed	4.29% until 31/12/2017	£499	Up to 80%	3% of the balance repaid until 31/12/2017	Loyalty mortgage*

5 Year Fixed	4.89% until 31/12/2017	£499	Up to 85%	3% of the balance repaid until 31/12/2017	Loyalty mortgage*

10 Year Fixed	4.99% until 31/12/2022	£1,499	Up to 70%	6% of the balance repaid until 31/12/2019 then 3% of the balance repaid until 31/12/2022

* Subject to meeting criteria

† 2 year tracker followed by 3 year fixed rate

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Latest rates – updated 21 November 2012

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Barclays Bank Base Rate

Current interest rate (effective 06/03/09)

0.5%

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