Important Message
Bank of England Base Rate
On 5 November 2026, the Bank of England announced a 0.25% Increase in its base rate from 3.75% to 4.00%.
From 1 December 2026 our Standard Variable Rate (SVR) will increase to 8.24%.
Useful Resources
Important Documents
Supporting Documents and Submission Requests
Income and Expenditure Planner
Expat Residential Income and Expenditure Planner
Our Top 10 Tips for a 'Right First Time' application
Interest only - Sale of mortgaged property
Interest only Repayment Strategy
Broker Declaration of Client Vulnerabilities form
Self-Build and Custom-Build
Self-Build Supplementary Information Sheet
Guide to Custom Build Mortgages
Self-Build Progress Report Request
Property Development Finance
Development Finance Application Form
Development Finance Supplementary Information Sheet
RIO
RIO (Retirement Interest Only) - Guidance notes
RIO (Retirement Interest Only) - Supplementary Sheet
Buy-to-let documents
For Portfolio landlords and Limited Company Buy-to-let applications
Limited Company Buy-to-Let Guidance notes
For Non Portfolio landlords