Fix for life with a long-term fixed rate mortgage

Financial stability for decades, not years

Fix in an interest rate for between 20-40 years, so you can plan for the future with certainty on what your mortgage costs will be. You'll be protected from market changes that might increase interest rates, and there's no need to remortgage every few years.

Borrow up to 6 times your income with a 5% deposit

With a 5% deposit, you could borrow up to 6x your employed income, up to a maximum loan of £750,000. Note that if you're looking to mortgage a new-build house, or a property worth up to £1m, you'll need a 10% deposit.

Flexiblity as standard

A lot can change in 40-years. After 12-months, you can port your mortgage when you move home, or apply to borrow more money when you need it. Want to move out and rent the property? You can do that after a year too - subject to meeting criteria. After 5-years, if you'd like to change to a new mortgage deal - because rates have fallen for example - there's no charge.

There's no age limit

There's no maximum age when the term ends, this means that older borrowers can benefit from knowing what their repayments will be into retirement. Note that LTV is restricted to 70% where the oldest applicant is aged 65 or above when applying, and if the oldest applicant is 80 or above they'll need to obtain independent legal advice.