Make your next move with a home purchase plan
Whether you’re buying your first home, wish to move house or refinance your existing property, we’re here to help you. Our full product range available is listed below – if you need any help or advice please contact us.
Home Purchase Plan products - home purchase & refinance
| Product Name | Initial Rental Rate | Follow-on Rental Rate | Maximum Finance to Value |
Incentives | Application Fee | Early Payment Charge | More Info & Apply |
|---|---|---|---|---|---|---|---|
| Home Purchase Plan (HPP) - UK residents | |||||||
Product Name
Fixed for 2 years
(HFU041)
|
Initial Rental Rate 2.99% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee £499 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £40,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £50,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
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Product Name
Fixed for 2 years
(HFU042)
|
Initial Rental Rate 3.19% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 80%* |
Incentives None |
Application Fee £499 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £40,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 80% Refinance 80% For finance exceeding £1m, max FTV is 75% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £50,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFU044)
|
Initial Rental Rate 3.25% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee £499 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £40,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £50,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFU045)
|
Initial Rental Rate 3.49% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 80%* |
Incentives None |
Application Fee £499 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £40,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 80% Refinance 80% For finance exceeding £1m, max FTV is 75% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £50,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
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| Home Purchase Plan (HPP) - UK Expat | |||||||
Product Name
Fixed for 2 years
(HFE047)
|
Initial Rental Rate 3.29% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee £699 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £95,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 2 years
(HFE048)
|
Initial Rental Rate 3.49% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 80%* |
Incentives None |
Application Fee £699 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us Maximum Finance to Value (FTV)Home Purchase 80% Refinance 80% For finance exceeding £1m, max FTV is 75% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £95,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFE050)
|
Initial Rental Rate 3.49% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee £699 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £95,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFE051)
|
Initial Rental Rate 3.74% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 80%* |
Incentives None |
Application Fee £699 |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 80% Refinance 80% For finance exceeding £1m, max FTV is 75% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £95,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
| Home Purchase Plan (HPP) - International residents | |||||||
Product Name
Fixed for 2 years
(HFN053)
|
Initial Rental Rate 3.69% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee 1.0% |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £100,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 2 years
(HFN054)
|
Initial Rental Rate 3.95% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 75%* |
Incentives None |
Application Fee 1.0% |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 75% Refinance 75% For finance exceeding £1m, max FTV is 70% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £100,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFN056)
|
Initial Rental Rate 3.99% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 65% |
Incentives None |
Application Fee 1.0% |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 65% Refinance 65% Please note the minimum property value required is £100,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
Product Name
Fixed for 5 years
(HFN057)
|
Initial Rental Rate 4.19% |
Follow-on Rental Rate 4.50% (Standard Variable Rate) |
Maximum Finance to Value 75%* |
Incentives None |
Application Fee 1.0% |
Early Payment Charge None |
More Info & Apply
More Info & Apply Online
|
|
More information you need to know
FeesThe application fee is payable on completion and deducted from the finance amount. Valuation Fees and Legal Fees will also apply. An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. Fees and charges cannot be added to the finance amount. Please see our Tariff of Charges for more details. Finance AmountMinimum finance amount £75,000 Maximum finance amount £2.5m - for higher amounts please contact us. Maximum Finance to Value (FTV)Home Purchase 75% Refinance 75% For finance exceeding £1m, max FTV is 70% *The maximum FTV for Rent Only is 65% for Home Purchase and Refinance. Debt consolidation is not allowed. Please note the minimum property value required is £100,000 and it must be located in England and Wales. Finance TermsMinimum term 5 years Maximum terms:
Early Payment ChargeNone IncentivesNone Maximum number of applicantsUp to 4 applicants (income considered from two highest earning applicants only) Age RestrictionsMinimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier OverpaymentsNo overpayments can be made during the fixed term period. Standard Variable RateOur SVR (Standard Variable Rate) is currently 4.50% Tariff of ChargesOur Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or ApplyWe have an experienced team on hand to help you every step of the way. To find out more information or apply, simply click the ‘Apply’ button above. YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN. |
|||||||
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN.