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Cashback mortgages

If you're looking for a great mortgage deal with an extra cash reward, then our range of cashback mortgages could be the perfect choice for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
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"The mortgage ideally met our needs. All members of staff that we dealt with were very helpful and informative."

Mortgage Completion Survey, November 2017

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Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

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Fixed Rate Mortgages

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  • Assisted 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.74% Fixed
  • Overall Cost for Comparison 4.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Assisted 2 Year Fixed Rate Remortgage 90% LTV
  • Initial Rate 2.74% Fixed
  • Overall Cost for Comparison 4.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.29% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.04% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.29% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £250 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.34% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.19% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.34% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £250 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.69% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.59% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • Help to Buy 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.69% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/08/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £250 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.49% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £750 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring the above charges.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.94% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £400 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.09% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £400 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.44% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £300 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.29% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £300 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.44% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £300 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.59% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £1000 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.14% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.19% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £300 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.64% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £1000 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.14% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Fees Assisted Legals and Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 95% LTV 16163
  • Initial Rate 3.39% Fixed
  • Overall Cost for Comparison 4.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £1000 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 75% LTV 16165
  • Initial Rate 1.79% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2021

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £400 cashback
    • Early Repayment Charges

      3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 95% LTV 16166
  • Initial Rate 3.39% Fixed
  • Overall Cost for Comparison 4.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2022

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £1250 cashback
    • Early Repayment Charges

      4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 95% LTV 16168
  • Initial Rate 3.49% Fixed
  • Overall Cost for Comparison 4.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £1500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 75% LTV 16169
  • Initial Rate 1.99% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV 16172
  • Initial Rate 2.44% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      4.49% variable for the term

      Benefits

      No booking fee
      No completion fee
      Free First Standard Valuation available (max £740)
      £500 cashback
    • Early Repayment Charges

      5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.

Representative example

A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 2.34% and then on our current standard variable rate of 4.49% (variable) for the remaining 23 years would require an initial payment of £981.04, 25 monthly payments of £682.93 and 274 monthly payments of £846.17.

The total amount payable would be £250,034.87 made up of the loan amount plus interest (£94,888.70), a telegraphic transfer fee (£30) and a release of charge fee (£100 - paid upon redemption).

The overall cost for comparison is 4.2% APRC representative.

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