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Buy to let - Standard View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.84% 1.50% No ERCs 00671 KBTL1605
65% Fixed 2 3.79% 1.50% 4% in year one, 3% in year two 00672 KBTL1605
75% Discounted Variable 2 4.04% 1.50% No ERCs 00616 KBTL1605
75% Fixed 2 3.99% 1.50% 4% in year one, 3% in year two 00617 KBTL1605
75% Fixed 5 3.79% 2.00% 5% in year one, 4% in year two and 3% in years three, four and five 00996 KBTL17F5
80% Discounted Variable 2 4.54% 1.50% No ERCs 00620 KBTL1605
80% Fixed 2 4.49% 1.50% 4% in year one, 3% in year two 00621 KBTL1605
80% Fixed 5 4.39% 2.00% 5% in year one, 4% in year two and 3% in years three, four and five 01203 KBTL17F5
85% Discounted Variable 2 5.24% 2.50% No ERCs 00497 KBTL1507
85% Fixed 2 5.19% 2.50% 4% in year one, 3% in year two 00498 KBTL1507
85% Fixed 5 5.29% 2.50% 5% in year one, 4% in year two and 3% in years three, four and five 01204 KBTL17F5

Minimum loan £50,000. Maximum loan £1,000,000. Minimum property value of £75,000 is applicable. When the LTV exceeds 75% a minimum loan of £100,000 is applicable.
The Buy to Let Variable Rate (the revert rate) is 6.83%



Buy to let - Large Loans Standard View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.84% 1.50% No ERCs 00671 KBTL1605
65% Fixed 2 3.79% 1.50% 4% in year one, 3% in year two 00672 KBTL1605
75% Discounted Variable 2 4.04% 1.25% No ERCs 00655 KBLL1605
75% Fixed 2 3.99% 1.25% 4% in year one, 3% in year two 00656 KBLL1605
75% Fixed 5 3.79% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01028 KBLL17F5
80% Discounted Variable 2 4.54% 1.25% No ERCs 00659 KBLL1605
80% Fixed 2 4.49% 1.25% 4% in year one, 3% in year two 00660 KBLL1605
80% Fixed 5 4.39% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01211 KBLL17F5

Minimum loan £750,000. Maximum loan £3,000,000.
The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Specialist View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.49% 1.50% No ERCs 01005 SBTL1702
65% Fixed 2 3.19% 1.50% 3% in years one and two 01006 SBTL1702
75% Discounted Variable 2 3.69% 1.50% No ERCs 01009 SBTL1702
75% Fixed 2 3.39% 1.50% 3% in years one and two 01010 SBTL1702
75% Fixed 5 3.79% 2.00% 5% in year one, 4% in year two and 3% in years three, four and five 01012 SBTL17F5
80% Discounted Variable 2 3.99% 1.50% No ERCs 01013 SBTL1702
80% Fixed 2 3.69% 1.50% 3% in years one and two 01014 SBTL1702
80% Fixed 5 4.39% 2.00% 5% in year one, 4% in year two and 3% in years three, four and five 01207 SBTL17F5
85% Discounted Variable 2 4.89% 2.50% No ERCs 01017 SBTL1702
85% Fixed 2 4.59% 2.50% 3% in years one and two 01018 SBTL1702
85% Fixed 5 5.29% 2.50% 5% in year one, 4% in year two and 3% in years three, four and five 01208 SBTL17F5

Minimum loan £50,000. Maximum loan £1,000,000. Minimum property value of £100,000 is applicable.
When the LTV exceeds 75% a minimum loan of £100,000 is applicable.
Multiple units under a single freehold subject to a minimum loan of £75,000.
The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Large Loans Specialist View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.49% 1.25% No ERCs 01033 SBLL1702
65% Fixed 2 3.19% 1.25% 3% in years one and two 01034 SBLL1702
75% Discounted Variable 2 3.69% 1.25% No ERCs 01037 SBLL1702
75% Fixed 2 3.39% 1.25% 3% in years one and two 01038 SBLL1702
75% Fixed 5 3.79% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01040 SBLL17F5
80% Discounted Variable 2 3.99% 1.25% No ERCs 01041 SBLL1702
80% Fixed 2 3.69% 1.25% 3% in years one and two 01042 SBLL1702
80% Fixed 5 4.39% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01214 SBLL17F5

Minimum loan £750,000. Maximum loan £3,000,000.
The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Standard ExPat View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable 2 4.29% 2.00% 3% in years one and two 01133 KEXP1704
75% Fixed 2 3.99% 2.00% 3% in years one and two 01134 KEXP1704
75%  Fixed 4.19%  2.00% 3% in years one, two and three 01135 KEXP1704 
75% Fixed 5 4.49%  2.00%  5% in year one, 4% in year two and 3% in years three, four and five  01136 KEXP17F5

Minimum loan £125,000. Maximum loan £3,000,000.
The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Specialist ExPat View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable 2 4.29% 2.00% 3% in years one and two 01137 SEXP1704
75% Fixed 2 3.99% 2.00% 3% in years one and two 01138 SEXP1704
75%  Fixed 4.19% 2.00%  3% in years one, two and three  01139 SEXP1704 
75%  Fixed 4.49%  2.00%  5% in year one, 4% in year two and 3% in years three, four and five   01140 SEXP17F5

Minimum loan £125,000. Maximum loan £3,000,000.
The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Further Advance Standard View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.84% 0.75% No ERCs 00936 KFAB1609
65% Fixed 2 3.79% 0.75% 3% in years one and two
00937 KFAB1609
75% Discounted Variable 2 4.04%
0.75% No ERCs 00704 KFAB1605
75% Fixed 2 3.99% 0.75% 4% in year one, 3% in year two
00705 KFAB1605
75% Fixed 5 3.79% 1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01076 KFAB17F5
80% Discounted Variable 2 4.54%
0.75% No ERCs 00708 KFAB1605
80% Fixed 2 4.49%
0.75% 4% in year one, 3% in year two
00709 KFAB1605
80% Fixed 5 4.39% 1.00% 5% in year one, 4% in year two and 3% in years three, four and five
01231 KFAB17F5
85% Discounted Variable 2 5.24%
1.25% No ERCs 00584 KFAB1605
85% Fixed 2 5.19%
1.25% 4% in year one, 3% in year two
00585 KFAB1605
85% Fixed 5 5.29%
1.25% 5% in year one, 4% in year two and 3% in years three, four and five 01232 KFAB17F5

The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Further Advance Specialist View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable 2 3.49%
0.75% No ERCs 01085 SFAB1702
65% Fixed 2 3.19%
0.75% 3% in years one and two
01086 SFAB1702
75% Discounted Variable 2 3.69%
0.75% No ERCs 01089 SFAB1702
75% Fixed 2 3.39%
0.75% 3% in years one and two
01090 SFAB1702
75% Fixed 5 3.79%
1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01092 SFAB17F5
80% Discounted Variable 2 3.99%
0.75% No ERCs 01093 SFAB1702
80% Fixed 2 3.69%
0.75% 3% in years one and two
01094 SFAB1702
80% Fixed 5 4.39%
1.00% 5% in year one, 4% in year two and 3% in years three, four and five
01235 SFAB17F5
85% Discounted Variable 2 4.89%
1.25% No ERCs 01097 SFAB1702
85% Fixed 2 4.59%
1.25% 3% in years one and two
01098 SFAB1702
85% Fixed 5 5.29%
1.25% 5% in year one, 4% in year two and 3% in years three, four and five 01236 SFAB17F5

The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Further Advance Expat Standard View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable 2 4.29%
1.00% 3% in years one and two
01149 KFAE1704
75% Fixed 2 3.99%
1.00% 3% in years one and two
01150 KFAE1704
75% Fixed 3 4.19%
1.00% 3% in years one, two and three
01151 KFAE1704
75% Fixed 5 4.49%
1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01152 KFAE17F5

The Buy to Let variable rate (the revert rate) is 6.83%



Buy to let - Further Advance Expat Specialist View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable 2 4.29%
1.00% 3% in years one and two
01153 SFAE1704
75% Fixed 2 3.99%
1.00% 3% in years one and two
01154 SFAE1704
75% Fixed 3 4.19%
1.00% 3% in years one, two and three
01155 SFAE1704
75% Fixed 5 4.49%
1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01156 SFAE17F5

The Buy to Let variable rate (the revert rate) is 6.83%



Residential - Prime (Up to £500,000) including Asset Backed interest only* View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
85% Discounted Variable 2 3.42% 0.50% No ERCs 01407 KRES1901
85% Fixed 2 3.37% 0.50% 3% in years one and two 01408 KRES1901
85% Fixed 5 3.77% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01409 KRES19F5
90% Discounted Variable 2 4.02% 0.50% No ERCs 01410 KRES1901
90% Fixed 2 3.97% 0.50% 3% in years one and two 01411 KRES1901
90% Fixed 5 4.37% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01412 KRES19F5

Minimum Loan £50,000. Subject to eligibility please view Prime Criteria table. Minimum property value of £75,000 is applicable. When the LTV exceeds 75% a minimum loan of £100,000 is applicable.

*Asset Backed interest only available subject to a minimum property value of £500,000 and is not available at 90% LTV
The Residential standard variable rate (the revert rate) is 6.33%



Residential - Prime (Above £500,000) including Asset Backed interest only*View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable 2 3.42% 0.50% No ERCs 01413 KRES1901
75% Fixed 2 3.37% 0.50% 3% in years one and two 01414 KRES1901
75% Fixed 5 3.77% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01415 KRES19F5
85% Discounted Variable 2 3.92% 0.50% No ERCs 01416 KRES1901
85% Fixed 2 3.87% 0.50% 3% in years one and two 01417 KRES1901
85% Fixed 5 3.97% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01418 KRES19F5
90% Discounted Variable 2 4.02% 0.50% No ERCs 01419 KRES1901
90% Fixed 2 3.97% 0.50% 3% in years one and two 01420 KRES1901
90% Fixed 5 4.37% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01421 KRES19F5

Minimum loan £50,000. Minimum property value of £75,000 is applicable. When LTV exceeds 75% a minimum loan of £100,000 is applicable.

*Asset Backed interest only available. Not available at 90% LTV
The Residential standard variable rate (the revert rate) is 6.33%



Residential - Near Prime 1 View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
85% Discounted Variable 2 3.44% 0.50% 3% in years one and two 01317 KNPA1802
85% Fixed 2 3.39% 0.50% 3% in years one and two 01318 KNPA1802
85% Fixed 5 3.79% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01319 KNPA18F5
90% Discounted Variable 2 4.04% 0.50% 3% in years one and two 01320 KNPA1802
90% Fixed 2 3.99% 0.50% 3% in years one and two 01321 KNPA1802
90% Fixed 5 4.39% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01322 KNPA18F5

Minimum loan £50,000, maximum loan £1,000,000. Loans over £500,000 are subject to a maximum LTV of 80%. Minimum property value of £75,000 is applicable. When LTV exceeds 75% a minimum loan of £100,000 is applicable. Subject to eligibility please view Near Prime 1 table.
The Residential standard variable rate (the revert rate) is 6.33%



Residential - Near Prime 2 View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
70% Discounted Variable 2 3.94% 0.50% 3% in years one and two 01422 KNPB1901
70% Fixed 2 3.89% 0.50% 3% in years one and two 01423 KNPB1901
70% Fixed 5 4.29% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01424 KNPB19F5
75% Discounted Variable 2 4.44% 0.50% 3% in years one and two 01326 KNPB1802
75% Fixed 2 4.39% 0.50% 3% in years one and two 01327 KNPB1802
75% Fixed 5 4.79% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01328 KNPB18F5
85% Discounted Variable 2 4.84% 0.50% 3% in years one and two 01329 KNPB1802
85% Fixed 2 4.79% 0.50% 3% in years one and two 01330 KNPB1802
85% Fixed 5 5.29% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01331 KNPB18F5

Minimum loan £50,000, maximum loan £1,000,000. Loans over £500,000 are subject to a maximum LTV of 80%. Minimum property value of £75,000 is applicable. When LTV exceeds 75% a minimum loan of £100,000 is applicable. Subject to eligibility please view Near Prime 1 table.  
The Residential standard variable rate (the revert rate) is 6.33%



Residential - Near Prime 3 View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
70% Discounted Variable 2 4.24% 0.50% 3% in years one and two 01425 KNPC1901
70% Fixed 2 4.19% 0.50% 3% in years one and two 01426 KNPC1901
70% Fixed 5 4.59% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01427 KNPC19F5
75% Discounted Variable 2 4.84% 0.50% 3% in years one and two 01335 KNPC1802
75% Fixed 2 4.79% 0.50% 3% in years one and two 01336 KNPC1802
75% Fixed 5 5.19% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01337 KNPC18F5
80% Discounted Variable 2 5.24% 0.50% 3% in years one and two 01338 KNPC1802
80% Fixed 2 5.29% 0.50% 3% in years one and two 01339 KNPC1802
80% Fixed 5 5.69% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01340 KNPC18F5

Minimum loan £50,000, maximum loan £1,000,000. Loans over £500,000 are subject to a maximum LTV of 80%. Minimum property value of £75,000 is applicable. When LTV exceeds 75% a minimum loan of £100,000 is applicable. Subject to eligibility please view Near Prime 1 table.
The Residential standard variable rate (the revert rate) is 6.33%



Shared Ownership View details

MSV*  LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
 90% 75% Fixed 2 3.89% £399 3% in years one and two
01428 KSHO1901
 90% 75% Fixed 5 4.29% £399 5% in year one, 4% in year two and 3% in years three, four and five
01431 KSHO19F5
 95% 75% Fixed 2 3.99% £399 3% in years one and two 01429 KSHO1901
 95% 75% Fixed 5 4.39% £399 5% in year one, 4% in year two and 3% in years three, four and five
01432 KSHO19F5
 100% 75% Fixed 2 4.19% £399 3% in years one and two
01430 KSHO1901
 100% 75% Fixed 5 4.59% £399 5% in year one, 4% in year two and 3% in years three, four and five
01433 KSHO19F5

Minimum Loan £50,000. Maximum Loan £1,000,000. Minimum property value of £125,000 is applicable.
The Residential standard variable rate (the revert rate) is 6.33%




Residential Further Advance - Prime View details

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
85% Discounted Variable
2 3.42%
0.25% No ERCs 01446 KFAR1901
85% Fixed 2 3.37%
0.25% 3% in years one and two 01447 KFAR1901
85% Fixed 5 3.77%
0.25% 5% in year one, 4% in year two and 3% in years three, four and five 01448 KFAR19F5
90% Discounted Variable 2 4.02%
0.25% No ERCs 01449 KFAR1901
90% Fixed 2 3.97%
0.25% 3% in years one and two 01450 KFAR1901
90% Fixed 5 4.37%
0.25% 5% in year one, 4% in year two and 3% in years three, four and five 01451 KFAR19F5

The Residential standard variable rate (the revert rate) is 6.33%



Residential Further Advance - Shared Ownership View details

MSV*  LTV Mortgage type                    Term Initial rate Product fee Early repayment charge           Product code
 90% 75% Fixed 2 3.89%
£199 3% in years one and two 01452 KFAS1901
 90% 75% Fixed 5 4.29% £199 5% in year one, 4% in year two and 3% in years three, four and five 01455 KFAS19F5
 95% 75% Fixed 2 3.99% £199 3% in years one and two
01453 KFAS1901
 95% 75% Fixed 5 4.39% £199 5% in year one, 4% in year two and 3% in years three, four and five
01456 KFAS19F5
 100% 75% Fixed 2 4.19% £199 3% in years one and two
01454 KFAS1901
100%  75% Fixed 5 4.59% £199 5% in year one, 4% in year two and 3% in years three, four and five
01457 KFAS19F5

The Residential standard variable rate (the revert rate) is 6.33%





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