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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 3.85% (Standard Variable Rate)	Maximum Finance to Value 65%	Incentives None	Application Fee £499	Early Payment Charge None	More Info & Apply More Info & Apply Online
Apply More information you need to know Fees The 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 Amount Minimum finance amount £40,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed Please note the minimum property value required is £60,000 and it must be located in England and Wales Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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 3.85% (Standard Variable Rate)	Maximum Finance to Value 65%	Incentives None	Application Fee £499	Early Payment Charge None	More Info & Apply More Info & Apply Online
Apply More information you need to know Fees The 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 Amount Minimum finance amount £40,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed. Please note the minimum property value required is £60,000 and it must be located in England and Wales. Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 18 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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) - UK Expat
Product Name Fixed for 2 years (HFE047)	Initial Rental Rate 3.29%	Follow-on Rental Rate 3.85% (Standard Variable Rate)	Maximum Finance to Value 65%	Incentives None	Application Fee £699	Early Payment Charge None	More Info & Apply More Info & Apply Online
Apply More information you need to know Fees The 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 Amount Minimum finance amount £75,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed. Please note the minimum property value required is £120,000 and it must be located in England and Wales. Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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 3.85% (Standard Variable Rate)	Maximum Finance to Value 65%	Incentives None	Application Fee £699	Early Payment Charge None	More Info & Apply More Info & Apply Online
Apply More information you need to know Fees The 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 Amount Minimum finance amount £75,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed. Please note the minimum property value required is £120,000 and it must be located in England and Wales. Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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 3.85% (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
Apply More information you need to know Fees The 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 Amount Minimum finance amount £75,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed. Please note the minimum property value required is £120,000 and it must be located in England and Wales. Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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 3.85% (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
Apply More information you need to know Fees The 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 Amount Minimum finance amount £75,000 Maximum finance amount: up to £1m Maximum Finance to Value (FTV) Home Purchase 65% Refinance 65% Debt consolidation is not allowed. Please note the minimum property value required is £120,000 and it must be located in England and Wales. Finance Terms Minimum term 5 years Maximum terms: Rent Only 35 years Acquisition & Rent 35 years Early Payment Charge None Incentives None Maximum number of applicants Up to 4 applicants (income considered from two highest earning applicants only) Age Restrictions Minimum age 21 years Maximum age at end of finance term 75 years or retirement age if earlier Overpayments No overpayments can be made during the fixed term period. Standard Variable Rate Our SVR (Standard Variable Rate) is currently 3.85% Valuations At the current time, all applications submitted will be subject to a desktop valuation for the Bank’s use only. Tariff of Charges Our Tariff of Charges gives details of the charges payable in connection with finance applications and additional administration charges following completion. Find out More or Apply We 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.

Tariff of Charges – Home Purchase Plan