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Fixed rate and Offset Interest-only products

Our Interest-only product range includes Fixed rate and Offset mortgages that could be a great choice for many of your residential clients.

There’s no minimum income requirement, but your clients will need to meet our lending criteria and the same affordability requirements as if they were applying for an equivalent repayment mortgage. They’ll also need to demonstrate they have an acceptable repayment strategy.

If your client took out their residential Interest-only mortgage with us before September 2020, we apply a different policy. View our policy for existing Interest-only clients >>

See how our Interest-only mortgages could make your clients' money work harder. Take a look at these real life scenarios.

Infographic about how a Young family benefits from Offset
Infographic about how a self-employed individual benefits from Offset
Infographic about how a couple aspiring to return benefits from Offset
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