• Minimum loan £1,000

  • No maximum loan amount

  • Repayment terms available

  • Interest-only terms available

  • 0% product fees available

Type Term Initial Rate Product Fee Early Repayment Charge Product Code
Tracker 2 6.59% 0%

1%, 1%

 02670 KCHB2402
Tracker 2 6.09% 1%

1%, 1%

 02671 KCHB2402
Tracker 2 5.09% 3%

0.5%, 1%

 02672 KCHB2402
Fixed 1 7.55% 0%

3%

 04038 KCHB2606
Fixed 2 6.6% 0%

4%, 3%

 04039 KCHB2606
Fixed 5 6.5% 0%

4%, 4%, 3%, 3%, 2%

 04040 KCHB2606
Fixed 1 6.55% 1%

2%

 04041 KCHB2606
Fixed 2 6.1% 1%

4%, 3%

 04042 KCHB2606
Fixed 5 6.3% 1%

4%, 4%, 3%, 3%, 2%

 04043 KCHB2606
Fixed 1 4.55% 3%

0.5%

 04044 KCHB2606
Fixed 2 5.1% 3%

4%, 3%

 04045 KCHB2606
Fixed 5 5.9% 3%

4%, 4%, 3%, 3%, 2%

 04046 KCHB2606

Fixed products revert rate: BBR + 3.25%

Bank of England Base Rate (BBR): 3.75%

The products and/or services featured above aren't regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE