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Private Customer Repayment Mortgages

Whatever you're looking for in a mortgage, we can find the right product for you from our range

As a Private Banking customer, we offer you an exclusive residential mortgage range. Your relationship manager will discuss your options and put you in touch with an expert adviser. At all times, these professionals will act with your best interests at heart and work with you to find the product most suited to your needs from our range. We offer a varied range of residential mortgages and Investment Housing Loans. For alternative products please see our personal banking mortgage range.

Applicants must be aged 18 or over. All loans are subject to status. Security will be required.

Representative Example

A mortgage of £370,274 payable over 21 years, initially on a fixed rate of 1.69% for 2 years and then our Standard Variable Rate, currently 4.70%, for the remaining 18 years. This would require 26 monthly payments of £1,776.21 and then 220 monthly payments of £2,280.49 plus one final payment of £2,281.02.

The total amount payable would be £551,904.28 made up of the loan amount plus interest (£179,896.28), arrangement fee (£999), valuation fee (£500), CHAPS/telegraphic transfer fee (£40) and security release fee (£195).

The overall cost for comparison is 4.1% APRC representative.

Your home may be repossessed if you do not keep up payments on your mortgage

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Product name
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Max loan to value
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Initial rate
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Until
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Variable rate thereafter
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The overall cost for comparison is
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Arrangement fee
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Early repayment charge
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Customer type
First Time Buyer 3 Year Fixed Private Exclusive - Loans over £175k 95% 3.84% 30th June 2020 4.70% 4.6% APRC £0Yes First Time Buyer 37
First Time Buyer 3 Year Fixed Private Exclusive - Loans over £175k 90% 2.74% 30th June 2020 4.70% 4.2% APRC £0 Yes First Time Buyer 36
Offset 2 Year Discount - Loans Over £200k Private (OVR Minus 2.11%) 80% 2.59% 30th June 2019 4.70% 4.4% APRC £999 Yes New Customer 29
Offset 2 Year Discount - Loans Over £200k Private (OVR Minus 2.11%) 80% 2.59% 30th June 2019 4.70% 4.4% APRC £499 Yes Existing Customer 29
Offset 2 Year Discount - Loans Over £1m Private (OVR Minus 1.91%) 80% 2.79% 30th June 2019 4.70% 4.4% APRC £1,999 Yes New Customer 27
Offset 2 Year Discount - Loans Over £1m Private (OVR Minus 1.91%) 80% 2.79% 30th June 2019 4.70% 4.4% APRC £499 Yes Existing Customer 27
Offset 2 Year Discount - Loans Over £200k Private (OVR Minus 2.31%) 75% 2.39% 30th June 2019 4.70% 4.4% APRC £999 Yes New Customer 28
Offset 2 Year Discount - Loans Over £200k Private (OVR Minus 2.31%) 75% 2.39% 30th June 2019 4.70% 4.4% APRC £499 Yes Existing Customer 28
Offset 2 Year Discount - Loans Over £1m Private (OVR Minus 2.31%) 75% 2.59% 30th June 2019 4.70% 4.4% APRC £1,999.00 Yes New Customer 25
Offset 2 Year Discount - Loans Over £1m Private (OVR Minus 2.31%) 75% 2.59% 30th June 2019 4.70% 4.4% APRC £499 Yes Existing Customer 25
5 Year Fixed Rate Buy To Let Private - Fee offer 75% 4.29% 30th June 2022 5.10% 4.9% APRC £0 Yes New Customer 35
5 Year Fixed Rate Buy To Let Private - Fee offer 75% 4.29% 30th June 2022 5.10% 4.9% APRC £0 Yes Existing Customer 35
5 Year Fixed Rate Buy To Let - Loans Over £1m Private 60% 3.79% 30th June 2022 5.10% 4.7% APRC £1,999.00 Yes New Customer 33
5 Year Fixed Rate Buy To Let - Loans Over £1m Private 60% 3.79% 30th June 2022 5.10% 4.7% APRC £499 Yes Existing Customer 33
5 Year Fixed Rate - Loans Over £1m Private 80% 2.69% 30th June 2022 4.70% 3.9% APRC £1,999 Yes New Customer 47
5 Year Fixed Rate - Loans Over £1m Private 80% 2.69% 30th June 2022 4.70% 3.9% APRC £499 Yes Existing Customer 47
5 Year Fixed Rate - Loans Over £200k Private 80% 2.49% 30th June 2022 4.70% 3.9% APRC £999 Yes New Customer 49
5 Year Fixed Rate - Loans Over £200k Private 80% 2.49% 30th June 2022 4.70% 3.9% APRC £499 Yes Existing Customer 49
5 Year Fixed Rate - Loans Over £200k Private 75% 2.19% 30th June 2022 4.70% 3.7% APRC £999 Yes New Customer 46
5 Year Fixed Rate - Loans Over £200k Private 75% 2.19% 30th June 2022 4.70% 3.7% APRC £499 Yes Exisitng Customer 46
5 Year Fixed Rate - Loans Over £1m Private 75% 2.49% 30th June 2022 4.70% 3.9% APRC £1,999 Yes New Customer 45
5 Year Fixed Rate - Loans Over £1m Private 75% 2.49% 30th June 2022 4.70% 3.9% APRC £499 Yes Exisitng Customer 45
2 Year Fixed Rate Buy To Let Private - Fee offer 75% 3.79% 30th June 2019 5.10% 5.0% APRC £0 Yes New Customer 32
2 Year Fixed Rate Buy To Let Private - Fee offer 75% 3.79% 30th June 2019 5.10% 5.0% APRC £0 Yes Existing Customer 32
2 Year Fixed Rate Buy To Let - Loans Over £1m Private 60% 3.09% 30th June 2019 5.10% 4.8% APRC £1,999 Yes New Customer 30
2 Year Fixed Rate Buy To Let - Loans Over £1m Private 60% 3.09% 30th June 2019 5.10% 4.8% APRC £499 Yes Existing Customer 30
2 Year Fixed Rate 60% Loan To Value - Remortgage Special - Fee Offer Greater Than £100,000 60% 1.79% 30th June 2019 4.70% 4.2% APRC £0 Yes New Customer 38
2 Year Fixed Rate 60% Loan To Value - Remortgage Special - Fee Offer Greater Than £100,000 60% 1.79% 30th June 2019 4.70% 4.2% APRC £0 Yes Existing Customer 38
2 Year Fixed Rate - Loans Over £200k Private 80% 1.69% 30th June 2019 4.70% 4.2% APRC £999 Yes New Customer 43
2 Year Fixed Rate - Loans Over £200k Private 80% 1.69% 30th June 2019 4.70% 4.2% APRC £499 Yes Existing Customer 43
2 Year Fixed Rate 80% - Loans Over £1m 80% 1.89% 30th June 2019 4.70% 4.2% APRC £1,999 Yes New Customer 41
2 Year Fixed Rate 80% - Loans Over £1m 80% 1.89% 30th June 2019 4.70% 4.2% APRC £499 Yes Existing Customer 41
2 Year Fixed Rate - Loans Over £1m Private 75% 1.79% 30th June 2019 4.70% 4.2% APRC £1,999 Yes New Customer 39
2 Year Fixed Rate - Loans Over £1m Private 75% 1.79% 30th June 2019 4.70% 4.2% APRC £499 Yes Existing Customer 39
2 Year Discounted Standard Variable Rate - Loans Over 200k - Private (SVR Minus 2.71%) 80% 1.99% 30th June 2019 4.70% 4.3% APRC £999 Yes New Customer 21
2 Year Discounted Standard Variable Rate - Loans Over 200k - Private (SVR Minus 2.71%) 80% 1.99% 30th June 2019 4.70% 4.3% APRC £499 Yes Existing Customer 21
2 Year Discounted Standard Variable Rate - Loans Over £1m - Private Exclusive (SVR Minus 2.71%) 80% 1.99% 30th June 2019 4.70% 4.3% APRC £1,999 Yes New Customer 23
2 Year Discounted Standard Variable Rate - Loans Over £1m - Private Exclusive (SVR Minus 2.71%) 80% 1.99% 30th June 2019 4.70% 4.3% APRC £499 Yes Existing Customer 23
2 Year Discounted Standard Variable Rate - Loans Over £1m - Private Exclusive (SVR Minus 2.81%) 75% 1.89% 30th June 2019 4.70% 4.2% APRC £1999 Yes New Customer 20
2 Year Discounted Standard Variable Rate - Loans Over £1m - Private Exclusive (SVR Minus 2.81%) 75% 1.89% 30th June 2019 4.70% 4.2% APRC £499 Yes Existing Customer 20
2 Year Discounted Standard Variable Rate - Loans Over 200k - Private (SVR Minus 3.01%) 75% 1.69% 30th June 2019 4.70% 4.2% APRC £999 Yes New Customer 18
2 Year Discounted Standard Variable Rate - Loans Over 200k - Private (SVR Minus 3.01%) 75% 1.69% 30th June 2019 4.70% 4.2% APRC £499 Yes Existing Customer 18

(Rates correct as at 1st March 2017)
* Standard Variable Rate
** Offset Variable Rate
*** Offset Variable Investment Housing Loan Rate