All Products

A clear and comprehensive breakdown of all our current mortgage products and rates. Simple to understand, easy to compare, and all in one place. We’ve designed this to help you make confident, informed decisions for your clients’ next steps.

Residential Criteria BTL Criteria

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE. IF YOU ARE A CONSUMER, RETURN TO OUR HOMEPAGE

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.44%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.64%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.74%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,500,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.74%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Expat Residential

2 YEAR DISCOUNT

Current Pay Rate

4.99%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Limited Company BTL & Holiday Let

2 YEAR DISCOUNT

Current Pay Rate

5.08%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,000,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Buy-To-Let (Standard)

2 YEAR DISCOUNT

Current Pay Rate

5.08%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Holiday Let (Standard)

2 YEAR DISCOUNT

Current Pay Rate

5.13%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Expat BTL

2 YEAR DISCOUNT

Current Pay Rate

5.38%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Self-Build

2 YEAR DISCOUNT

Available only via Mayflower Mortgage & Finance

Current Pay Rate

5.39%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Self-Build

2 YEAR DISCOUNT

Current Pay Rate

5.49%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Self-Build

2 YEAR DISCOUNT

Available only via Mayflower Mortgage & Finance

Current Pay Rate

5.59%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Self-Build

2 YEAR DISCOUNT

Current Pay Rate

5.69%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Residential

FIXED

Fixed until 31/01/2029

Current Pay Rate

5.84%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

FIXED

Fixed until 31/01/2029

Current Pay Rate

5.99%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,500,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

FIXED

Fixed until 31/01/2029

Current Pay Rate

5.99%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

FIXED

Fixed until 31/01/2032

Current Pay Rate

5.99%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential

FIXED

Fixed until 31/01/2029 – FTB only. £500 cashback within 14 days of completion.

Current Pay Rate

6.04%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £750,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.19%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,500,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.19%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.19%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,000,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.19%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.24%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £3,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Holiday Let (Standard)

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.24%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

3% Year 1, 2% Year 2

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.24%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Holiday Let (Standard)

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.29%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Expat Residential

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.29%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat Residential

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.44%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Expat BTL

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.44%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat BTL

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.49%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Please note: the above is for Intermediary use only – not for consumer distribution.

Key Resources for Intermediaries

Forms & Documents

Access key forms and useful documents to manage your journey and to support you and your clients smoothly.

Find Out More

Affordability Calculator

Use our affordability calculator to estimate how much your clients could borrow.

Submit a Case

You can submit a full mortgage application, along with any supporting documents through our Broker Portal.

Find Out More

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All Products

Our Current Mortgage Products & Rates

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

2 YEAR DISCOUNT

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

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Key Resources for Intermediaries

Forms & Documents

Affordability Calculator

Submit a Case

Intermediaries – Stay connected with Harpenden

Latest News

Toastie Tuesday for Herts Young Homeless

2026/27 Charitable Grants: Youth Talk

Mutual: Issue 8

Fixed Rate product update

St Albans & Harpenden Careers Fair 2026

Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards

Harpenden Support – Mia Caruso

Herts Young Homeless – Volunteering