Home Mortgages Mortgages types and rates

Mortgages types and rates

Our three types of interest rates

Fixed Rate Mortgages

Fix your interest rate for an agreed time for example 2 or 5 years, so you know exactly what you’re paying each month.

Find out more about Fixed Rate Mortgages

Tracker Rate Mortgages

Your interest rate will be set at an agreed percentage above the Bank of England Base Rate – your interest rate will change if and when the Bank of England adjusts the Base Rate.

Find out more about Tracker Rate Mortgages

Standard Variable Rate Mortgages

Your interest rate is set by us and may vary from time to time, over the life of the mortgage.

Learn more about Standard Variable Rate Mortgages

We have two types of mortgages

Repayment Mortgages

Simple and straightforward – if you keep up to date with your required monthly repayments this makes sure both the interest and money you’ve borrowed are paid off by the end of the mortgage term.

Learn about Repayment Mortgages

Interest only Offset Mortgages

Offset Mortgages are only available to existing Offset Mortgage customers. Link your savings and current account(s) to your mortgage and only pay the interest on the difference. For example, if your mortgage is £150k but your savings are £30k, you’ll only pay interest on £120k.

Read more about our Offset Mortgages

Find the mortgage for you