| Lender | Product Description | Gross | Net |
| AIB | All Products | 0.45% | 0.40% |
| Accord Mortgages | Residential | 0.45% | 0.43% |
| Offset | 0.45% | 0.43% |
| Residential Ported Products | 0.30% | 0.28% |
| Product Transfer – Residential | 0.30% | 0.28% |
| Product Transfer – Buy to Let | 0.30% | 0.28% |
| Additional Loan | 0.30% | 0.28% |
| Buy to Let | 0.50% | 0.47% |
| Affirmative Finance Ltd | All Products | 1.50% | 1.45% |
| Afin Bank | All Products | 0.60% | 0.50% |
| Aldermore | Residential – Retention | 0.35% | 0.30% |
| Buy to Let – Retention | 0.35% | 0.30% |
| Residential | 0.55% | 0.52% |
| Buy to Let | 0.65% | 0.62% |
| Direct Cases – Residential | 0.55% | 0.52% |
| Direct Cases – BTL | 0.65% | 0.62% |
| April Mortgages | Residential Purchase/Remortgage | 0.45% | 0.40% |
| Residential Product Transfer | 0.45% | 0.40% |
| Service Fee | 0.30% | 0.25% |
| BM Solutions | Ltd Company BTL | 0.54% | 0.52% |
| Buy to Let/Let to Buy – Further Advance | 0.46% | 0.43% |
| Buy to Let/Let to Buy | 0.46% | 0.43% |
| Buy to Let/Let to Buy – Product Transfer | 0.37% | 0.33% |
| Bank of Ireland | Residential | 0.40% | 0.37% |
| Buy to Let | 0.50% | 0.47% |
| First Start | 0.50% | 0.47% |
| Buy to Let – Retention | 0.30% | 0.28% |
| Porting and Further Advance | 0.30% | 0.28% |
| Residential – Retention | 0.30% | 0.28% |
| Barclays | Retention – Mainstream | 0.20% | 0.20% |
| Buy to Let – Retention | 0.20% | 0.20% |
| Further Advance | 0.30% | 0.28% |
| Buy to Let | 0.40% | 0.40% |
| Residential | 0.35% | 0.35% |
| Offset | 0.35% | 0.35% |
| Bath BS | Residential/BTL/RIO | 0.43% | 0.40% |
| Retention | 0.30% | 0.28% |
| Beverley BS | Retention | 0.37% | 0.35% |
| All Products | 0.42% | 0.40% |
| Bluestone | Residential | 0.60% | 0.55% |
| Residential Product Transfer | 0.35% | 0.33% |
| Buckinghamshire BS | Buy to Let and Contractors | 0.42% | 0.40% |
| Shared Ownership | 0.40% | 0.38% |
| Residential & Retirement Products | 0.40% | 0.38% |
| RIO | 0.40% | 0.38% |
| Existing Customer Retention/Product Transfer | 0.22% | 0.20% |
| BuildLoan | Chorley / Furness / Vernon | 0.40% | 0.35% |
| Newcastle BS/Together | 0.40% | 0.35% |
| Loughborough BS | 0.40% | 0.35% |
| Chorley | 0.35% | 0.30% |
| Bath/Bucks/Chorley/Furness/Loughboro/Mansfield/Vernon – Further advance | 0.50% | 0.47% |
| Mint/Spring | 0.75% | 0.70% |
| (£600k-£1m) Nottingham/Chorley | 0.50% | 0.45% |
| Bridging Finance Solutions | 0.50% | 0.40% |
| MT Finance – Bridging & Development | 1.00% | 0.90% |
| Mansfield BS / Stafford Railway BS / Tipton&Coseley | 0.40% | 0.35% |
| Buckinghamshire BS | 0.40% | 0.35% |
| Penrith BS/Bath BS/Darlington/West Bromwich BS | 0.40% | 0.35% |
| Precise Mortgages | 1.25% | 1.20% |
| Hinckley & Rugby | 0.40% | 0.35% |
| MT Finance | 1.00% | 0.95% |
| Affirmative/Alternative Bridging Corporation | 0.75% | 0.65% |
| Birchwood Mortgages | 0.50% | 0.45% |
| CHL Mortgages | Buy to Let | 0.60% | 0.55% |
| Cambridge BS | Residential | 0.40% | 0.37% |
| Buy to Let | 0.40% | 0.37% |
| Ltd Company BTL | 0.55% | 0.50% |
| Buy to Let – Retention | 0.30% | 0.29% |
| Residential – Retention | 0.30% | 0.29% |
| Castle Trust | Bridge To Let | 1.50% | 1.40% |
| Buy To Let | 0.80% | 0.70% |
| Catalyst | AVM | 1.05% | 1.00% |
| Bridging (Residential, Semi Commercial, Development Exit Finance, Finish & Exit & Auction) | 2.00% | 1.95% |
| Refurbishment with cost of works up to 50% of OMV/50% GDV | 2.00% | 1.95% |
| Refurbishment cost of works from 50% to 100% of OMV | 1.50% | 1.45% |
| Refurbishment with cost of works over 100% of OMV: | 1.50% | 1.45% |
| Second Charges | 1.25% | 1.20% |
| Central Trust | All Products | 2.00% | 1.75% |
| Chorley BS | Buy to Let | 0.50% | 0.45% |
| Residential | 0.40% | 0.38% |
| Product Transfer | 0.30% | 0.30% |
| Clydesdale | Buy to Let | 0.40% | 0.39% |
| Product Transfer | 0.20% | 0.18% |
| Standard Residential | 0.40% | 0.39% |
| Coutts | All Products | 0.35% | 0.33% |
| Product Transfer | 0.20% | 0.20% |
| Coventry BS | Residential Product Transfer | 0.30% | 0.28% |
| Buy to Let – Product Transfer – Godiva | 0.30% | 0.28% |
| Further Advance | 0.43% | 0.40% |
| Standard Residential | 0.43% | 0.41% |
| Buy to Let – Godiva | 0.43% | 0.41% |
| Offset | 0.43% | 0.40% |
| First Time Buyer | 0.43% | 0.40% |
| Buy to Let Limited Company – Godiva | 0.53% | 0.50% |
| Cynergy Bank | All Products | 0.40% | 0.38% |
| Danske Bank | Residential | 0.40% | 0.35% |
| Further Advance | 0.40% | 0.35% |
| Existing Customer Product Change | 0.40% | 0.35% |
| Darlington BS | Residential | 0.40% | 0.35% |
| Buy to Let | 0.40% | 0.35% |
| Retention | 0.30% | 0.28% |
| Digital Mortgages from Atom | All Products | 0.40% | 0.37% |
| Dudley BS | All Products | 0.40% | 0.37% |
| Product Transfer | 0.25% | 0.23% |
| Earl Shilton | All Products | 0.40% | 0.40% |
| Product Transfer | 0.25% | 0.25% |
| Ecology Building Society | All Products | 0.40% | 0.38% |
| Exclusive Products | 0.50% | 0.48% |
| Family Building Society | Owner Occupier – Offset – Product Transfer | 0.52% | 0.50% |
| Buy to Let – Product Transfer | 0.52% | 0.51% |
| Owner Occupier – Family Mortgage | 0.57% | 0.55% |
| Owner Occupier – Offset | 0.52% | 0.50% |
| Buy to Let | 0.52% | 0.51% |
| Owner Occupier | 0.42% | 0.41% |
| All Products – Further Advance | 0.27% | 0.25% |
| Owner Occupier – Product Transfer | 0.42% | 0.41% |
| Owner Occupier – Family Mortgage – Product Transfer | 0.57% | 0.55% |
| Fleet Mortgages | Buy To Let – Product Transfer | 0.35% | 0.34% |
| Buy to Let | 0.55% | 0.50% |
| Buy To Let – Loyalty | 0.45% | 0.40% |
| Foundation Home Loans | Buy to Let | 0.50% | 0.45% |
| Residential | 0.50% | 0.45% |
| Product Transfer | 0.30% | 0.28% |
| Solutions (Semi-Commercial) | 1.20% | 1.10% |
| Furness BS | Residential/BTL | 0.40% | 0.38% |
| Product Transfer | 0.30% | 0.28% |
| Gatehouse Bank | Buy to Let | 0.55% | 0.53% |
| Product Transfer | 0.30% | 0.25% |
| Residential – Advised Cases | 0.55% | 0.53% |
| BTL/Expat/International/HMO/MUFB | 0.65% | 0.60% |
| Introducer Only | 0.35% | 0.30% |
| Generation Home | All Products | 0.40% | 0.38% |
| Retention | 0.25% | 0.23% |
| Greenfield Mortgages | All Products | 1.55% | 1.50% |
| HSBC | Buy to Let | 0.50% | 0.50% |
| Product Transfer | 0.20% | 0.20% |
| Residential | 0.40% | 0.40% |
| Halifax | Ex Tesco Bank Borrower Additional Borrowing | 0.36% | 0.36% |
| Standard products | 0.36% | 0.36% |
| Ex Tesco Bank Borrower Product Transfer | 0.36% | 0.36% |
| Product Transfer | 0.27% | 0.27% |
| Further Advance | 0.36% | 0.36% |
| First Time Buyer | 0.39% | 0.39% |
| Shared Ownership | 0.39% | 0.39% |
| Hanley Economic BS | Standard Residential | 0.35% | 0.30% |
| Buy to Let | 0.40% | 0.35% |
| Self Build | 0.50% | 0.45% |
| RIO | 0.35% | 0.30% |
| Expat Buy to Let | 0.40% | 0.35% |
| Harpenden BS | Residential | 0.40% | 0.38% |
| Buy to Let | 0.40% | 0.38% |
| Retention/Further advance | 0.30% | 0.28% |
| Self Build | 0.50% | 0.45% |
| Hinckley & Rugby BS | Residential | 0.42% | 0.40% |
| Buy to Let | 0.42% | 0.40% |
| RIO | 0.42% | 0.40% |
| Product Transfer | 0.20% | 0.18% |
| Hodge Bank | All Products | 0.55% | 0.50% |
| Product Transfer | 0.30% | 0.28% |
| Interbay | Commercial | 1.05% | 0.85% |
| Buy to Let | 0.70% | 0.50% |
| Holiday Let | 0.70% | 0.60% |
| Product Switch | 0.60% | 0.58% |
| Investec Specialist Private Bank | Buy to Let | 0.50% | 0.45% |
| Residential/Revolving Mortgages | 0.40% | 0.38% |
| Self Build | 0.40% | 0.35% |
| Kensington | Buy To Let | 0.50% | 0.45% |
| Residential | 0.50% | 0.45% |
| Flexible fixed for Term | 0.75% | 0.70% |
| Product Switch | 0.30% | 0.27% |
| Kent Reliance | Buy to Let | 0.50% | 0.48% |
| Residential | 0.40% | 0.37% |
| Further Advance – Buy to Let | 0.50% | 0.45% |
| Further Advance – Residential | 0.40% | 0.35% |
| Product Transfer | 0.30% | 0.27% |
| Keystone Property Finance | Buy to Let | 0.80% | 0.70% |
| Buy To Let – Product Transfer | 0.45% | 0.40% |
| Product Transfer Plus (Including Further Advance) | 0.55% | 0.50% |
| Refurb To Let | 1.00% | 0.80% |
| LV= | Lump Sum | 1.75% | 1.75% |
| Draw Down | 1.00% | 1.00% |
| LandBay | All Products | 0.55% | 0.50% |
| Product Transfer | 0.35% | 0.32% |
| Leeds BS | Buy to Let | 0.50% | 0.47% |
| Mainstream | 0.40% | 0.38% |
| Shared Ownership | 0.40% | 0.37% |
| RIO | 0.40% | 0.37% |
| Product Transfer | 0.20% | 0.18% |
| Further Advance | 0.35% | 0.33% |
| Leek United BS | Retention | 0.25% | 0.23% |
| Buy to Let | 0.35% | 0.35% |
| Residential | 0.35% | 0.35% |
| Legal & General Home Finance | Premier Flexible | 3.00% | 2.85% |
| All Products | 3.00% | 2.85% |
| Further Drawdown | 1.50% | 1.50% |
| Income Lifetime Mortgage (Initial drawdown only) | 3.00% | 2.85% |
| RIO | 0.55% | 0.50% |
| LendCo | Buy to Let | 0.75% | 0.70% |
| Bridging | 1.50% | 1.30% |
| LendInvest | High Achieving Contributors | 1.10% | 1.00% |
| Bridging | 1.50% | 1.45% |
| Buy to Let | 0.70% | 0.64% |
| Product Transfer | 0.35% | 0.30% |
| Residential | 0.60% | 0.54% |
| Livemore Capital | All products | 0.55% | 0.50% |
| Enhanced Proc Fee (20yr/FFL) | 1.10% | 1.05% |
| Ongoing-care | 0.13% | 0.13% |
| Equity Release | 3.00% | 2.85% |
| Product Transfer | 0.30% | 0.28% |
| Loughborough BS | All Products | 0.40% | 0.37% |
| MPowered | Buy to Let | 0.60% | 0.54% |
| Residential | 0.40% | 0.36% |
| Residential Ported Products | 0.20% | 0.18% |
| Residential Product Transfer | 0.20% | 0.18% |
| MT Finance | Buy to Let | 0.60% | 0.55% |
| Bridging | 1.75% | 1.25% |
| Fresh Facilities | 1.00% | 0.90% |
| Mansfield BS | Residential | 0.37% | 0.35% |
| Buy To Let | 0.42% | 0.40% |
| Product Transfer | 0.22% | 0.20% |
| RIO | 0.52% | 0.50% |
| Expat Buy to Let | 0.52% | 0.50% |
| Market Harborough BS | Residential | 0.38% | 0.35% |
| Buy to Let | 0.50% | 0.45% |
| Product Transfer | 0.30% | 0.28% |
| Bridging | 2.00% | 1.80% |
| Marsden BS | Standard Residential | 0.40% | 0.37% |
| Expat Residential | 0.40% | 0.37% |
| RIO | 0.40% | 0.37% |
| Expat Buy to Let | 0.40% | 0.37% |
| Melton BS | Credit Assist/ Credit Recovery | 0.55% | 0.50% |
| Buy to Let | 0.45% | 0.40% |
| Retention | 0.26% | 0.25% |
| Self Build | 0.50% | 0.45% |
| Standard Residential | 0.40% | 0.38% |
| RIO | 0.45% | 0.40% |
| Near Prime Enhance/ Prime One | 0.50% | 0.45% |
| Shared Ownership | 0.40% | 0.38% |
| Metro Bank | Residential | 0.40% | 0.38% |
| Buy to Let | 0.43% | 0.41% |
| Rate Switch – Residential & Buy to Let | 0.30% | 0.29% |
| Moda Mortgages | All Products | 0.55% | 0.50% |
| Molo Finance | Buy To Let | 0.50% | 0.45% |
| ExPat & international BTL | 0.55% | 0.50% |
| BTL Product Transfer | 0.35% | 0.30% |
| Mpowered | Further Advance | 0.30% | 0.28% |
| Nationwide B.S. | Rate Switch/Retention | 0.20% | 0.20% |
| Further Advance | 0.35% | 0.35% |
| All Products | 0.35% | 0.35% |
| Natwest Intermediary Solutions | Mainstream | 0.35% | 0.35% |
| Buy to let | 0.45% | 0.45% |
| Residential Product Transfer | 0.20% | 0.20% |
| Buy to Let – Product Transfer | 0.20% | 0.20% |
| Natwest International | Product Transfer | 0.20% | 0.20% |
| Buy to Let | 0.45% | 0.40% |
| Residential | 0.40% | 0.35% |
| Newbury BS | Product Transfer | 0.20% | 0.18% |
| All Products | 0.42% | 0.40% |
| RIO | 0.42% | 0.40% |
| Newcastle BS | Residential | 0.40% | 0.38% |
| Buy to Let | 0.50% | 0.46% |
| Buy to Let – Retention | 0.30% | 0.28% |
| Residential Retention | 0.30% | 0.28% |
| Norton Homeloans | NHL Packaged (Second Charge) | 1.00% | 0.80% |
| Optimal Plans (Second Charge) | 2.00% | 1.25% |
| Member Packaged (Second Charge) | 2.00% | 1.75% |
| Nottingham BS | Buy to Let | 0.40% | 0.39% |
| Limited Company Buy to Let/RIO | 0.35% | 0.33% |
| Residential/Buy to Let – Product transfer | 0.30% | 0.28% |
| RIO | 0.50% | 0.48% |
| Expat/Foreign National | 0.50% | 0.48% |
| Mainstream | 0.40% | 0.39% |
| Limited Company Buy to Let | 0.55% | 0.50% |
| Octane Capital | All Products | 1.50% | 1.40% |
| OneFamily | All Products | 2.50% | 2.30% |
| Paragon | Product Switch | 0.43% | 0.40% |
| Buy to Let – Further Advance | 0.55% | 0.50% |
| Buy to Let | 0.55% | 0.52% |
| Refurb to Let | 0.80% | 0.75% |
| Penrith BS | Buy to Let | 0.45% | 0.43% |
| Residential | 0.45% | 0.43% |
| Retention | 0.30% | 0.28% |
| Pepper Money | Residential | 0.50% | 0.41% |
| Residential Product Transfer | 0.27% | 0.26% |
| Buy to Let | 0.50% | 0.41% |
| Perenna Bank PLC | Additional Borrowing/Porting | 0.20% | 0.18% |
| Trail Commission | 0.20% | 0.18% |
| All Products | 0.40% | 0.37% |
| Precise | Bridging | 1.25% | 1.00% |
| Product Transfer | 0.30% | 0.28% |
| Buy to Let | 0.60% | 0.54% |
| Homeowner / Residential | 0.60% | 0.55% |
| Refurb BTL | 0.60% | 0.50% |
| Principality | Mainstream | 0.40% | 0.38% |
| Buy To Let | 0.40% | 0.39% |
| Retention | 0.20% | 0.20% |
| Progressive | All Products | 0.38% | 0.36% |
| Product Switch | 0.20% | 0.19% |
| Quantum Mortgages | Buy To Let | 0.75% | 0.70% |
| Bridging | 2.00% | 1.85% |
| Raw Capital | Short Term Lending | 1.00% | 0.90% |
| Long Term Lending | 0.50% | 0.45% |
| Rely | Buy to Let | 0.60% | 0.55% |
| Roma Finance | Bridging | 2.00% | 1.90% |
| Buy to Let | 1.00% | 0.90% |
| Saffron BS | Buy to Let – Light Refurbishment & Ex Pat | 0.45% | 0.40% |
| Self Employed | 0.45% | 0.40% |
| Professional and Contractor Mortgage | 0.45% | 0.40% |
| Owner Occupier / Next Step/ FTB/Family Support | 0.45% | 0.40% |
| Buy To Let/Ltd Company/HMO | 0.45% | 0.40% |
| RIO | 0.45% | 0.40% |
| Self Build | 1.00% | 0.90% |
| Product Transfer | 0.35% | 0.30% |
| Santander for Intermediaries | Residential – Retention | 0.20% | 0.20% |
| Buy to Let – Retention | 0.20% | 0.20% |
| Buy to Let | 0.45% | 0.45% |
| Standard Residential | 0.36% | 0.36% |
| Ported Products | 0.36% | 0.36% |
| Standard products – L&G Exclusives | 0.36% | 0.36% |
| Scottish BS | All Products | 0.42% | 0.41% |
| Product Transfer | 0.25% | 0.23% |
| Scottish Widows | Further Advance | 0.36% | 0.36% |
| Mortgage Acquisition | 0.36% | 0.36% |
| Product Transfer | 0.27% | 0.27% |
| Lifetime Drawdowns | 1.25% | 1.20% |
| Selina Finance | Home Equity Line of Credit | 1.50% | 1.25% |
| Homeowner Loan | 1.50% | 1.25% |
| Skipton B/S | Buy to Let | 0.50% | 0.47% |
| Mainstream | 0.40% | 0.38% |
| Shared Ownership | 0.45% | 0.40% |
| Product Transfer – Residential | 0.30% | 0.28% |
| Buy to Let – Product Transfer | 0.35% | 0.33% |
| Stafford BS | All Products | 0.40% | 0.37% |
| State Bank of India | Professional BTL | 0.75% | 0.70% |
| Product Switch (Non Professional BTL) | 0.20% | 0.19% |
| Non Professional BTL | 0.50% | 0.45% |
| Product Switch (Professional BTL) | 0.20% | 0.19% |
| Stride Up | Home Purchase Plan – Advised | 0.55% | 0.50% |
| Home Purchase Plan – Non Advised | 0.45% | 0.40% |
| Single Unit BTL | 0.55% | 0.50% |
| SPV/Expat/HMO/Multi Unit/Portfolio BTL | 0.70% | 0.67% |
| Introducer Only | 0.40% | 0.35% |
| Suffolk BS | Residential | 0.40% | 0.37% |
| Buy To Let | 0.40% | 0.37% |
| Green Further advance (over £25k) | 0.00% | 0.00% |
| Product Transfer | 0.20% | 0.18% |
| Further Advance | 0.40% | 0.40% |
| Swansea BS | Residential | 0.37% | 0.35% |
| Buy to Let | 0.37% | 0.35% |
| TSB | Further Advance | 0.30% | 0.28% |
| Buy to Let | 0.44% | 0.40% |
| Residential | 0.35% | 0.33% |
| Residential Product Transfer | 0.28% | 0.27% |
| Buy to Let – Product Transfer | 0.28% | 0.27% |
| Tandem | Specialist Residential | 0.60% | 0.55% |
| Teachers BS | Shared Ownership | 0.35% | 0.32% |
| Mainstream | 0.35% | 0.32% |
| Buy to Let | 0.35% | 0.32% |
| The Co-operative Bank | Standard Products | 0.40% | 0.37% |
| Buy to Let/Let to Buy | 0.48% | 0.43% |
| Buy to Let/Let to Buy Premier | 0.48% | 0.43% |
| Retention – Mainstream | 0.30% | 0.28% |
| Buy to Let/Let to Buy – Retention | 0.30% | 0.28% |
| The Mortgage Lender | Residential | 0.60% | 0.54% |
| Buy to Let | 0.60% | 0.55% |
| Product Transfer | 0.30% | 0.27% |
| The Mortgage Works | Buy to Let | 0.44% | 0.43% |
| Large Portfolio Products | 0.54% | 0.49% |
| Limited Company Buy to Let | 0.54% | 0.49% |
| Switcher Product Advance | 0.20% | 0.19% |
| Limited Company Further Advance | 0.54% | 0.49% |
| Tipton & Coseley | Product Transfer | 0.20% | 0.18% |
| RIO | 0.42% | 0.40% |
| Residential | 0.42% | 0.40% |
| Buy to Let | 0.45% | 0.40% |
| Together Money | Buy to Let | 0.60% | 0.55% |
| Residential | | 0.00% |
| United Trust Bank | Product Transfer – Residential | 0.40% | 0.37% |
| Product Transfer – Second Charge | 1.00% | 0.80% |
| 1st Charge – CLS, Haysto, Fluent, Create, Celtic ONLY | 0.80% | 0.75% |
| 2nd Charge – CLS, Haysto, Fluent, Create, Celtic ONLY | 2.00% | 1.75% |
| BTL – CLS, Haysto, Fluent, Create, Celtic ONLY | 0.90% | 0.85% |
| 2ND CHARGE LOANS | 1.25% | 1.00% |
| First Charge | 0.45% | 0.42% |
| Standard and Specialist BTL | 0.50% | 0.46% |
| Vernon BS | Residential | 0.37% | 0.35% |
| Buy to Let | 0.42% | 0.40% |
| Retention | 0.22% | 0.20% |
| Vida Homeloans | Product Transfer | 0.40% | 0.38% |
| Residential | 0.70% | 0.67% |
| Buy to Let | 0.70% | 0.67% |
| Limited Edition Products | 0.80% | 0.75% |
| Virgin Money | Standard products | 0.50% | 0.46% |
| Buy to Let | 0.50% | 0.46% |
| Product Transfer | 0.38% | 0.35% |
| Shared Ownership | 0.50% | 0.45% |
| West Bromwich BS | All Products | 0.40% | 0.38% |
| Further Advance | 0.40% | 0.38% |
| Product Transfer | 0.20% | 0.19% |
| West One | Bridging | 1.50% | 1.40% |
| Buy To Let | 0.60% | 0.53% |
| Residential | 0.50% | 0.46% |
| Product Transfer | 0.30% | 0.28% |
| Zephyr Homeloans | Buy to Let | 0.70% | 0.65% |
