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Our Intermediary Products

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Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.29%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.29%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2
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
Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.49%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2
Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.49%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.59%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2
Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.59%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
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
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
BTL & Holiday Let Transfers

BTL & Holiday Let 2 Year Discount

Current Pay Rate

4.98%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2
BTL & Holiday Let Transfers

BTL & Holiday Let 3 Year Discount

Current Pay Rate

4.98%
variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3
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
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
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
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
Residential Transfers

Residential Fixed to 30th November 2028

Current Pay Rate

5.24%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential Fixed to 30th November 2031

Current Pay Rate

5.29%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5
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
Residential

FIXED

Fixed until 30/1`1/2028

Current Pay Rate

5.39%
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
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
Residential

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.44%
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
Residential Transfers

Residential Fixed to 30th November 2028

Current Pay Rate

5.44%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
Residential Transfers

Residential Fixed to 30th November 2031

Current Pay Rate

5.49%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5
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
BTL & Holiday Let Transfers

BTL & Holiday Let Fixed to 30th November 2028

Current Pay Rate

5.54%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2
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
Residential

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.59%
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
BTL & Holiday Let Transfers

BTL & Holiday Let Fixed to 30th November 2031

Current Pay Rate

5.59%
fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5
Residential

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.64%
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
Limited Company BTL & Holiday Let

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.69%
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
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
Buy-To-Let (Standard)

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.69%
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
Residential

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.72%
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
Buy-To-Let (Standard)

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.74%
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
Limited Company BTL & Holiday Let

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.74%
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
Holiday Let (Standard)

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.74%
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
Holiday Let (Standard)

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.79%
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
Residential

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.82%
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
Expat Residential

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.84%
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
Expat Residential

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.89%
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
Expat BTL

FIXED

Fixed until 30/11/2028

Current Pay Rate

5.94%
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
Expat BTL

FIXED

Fixed until 30/11/2031

Current Pay Rate

5.99%
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

Latest News

All News
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Industry

JUL 31, 2026

Fixed Rate product update

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Fixed Rate product update
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Community

JUL 27, 2026

Member Notice – Harpenden Online and Broker Online scheduled maintenance

Member Notice – Harpenden Online and Broker Online scheduled maintenance
4

Latest News

JUL 10, 2026

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

Harpenden Building Society wins ‘Best Local Building Society’ for the 12th year in a row, as well as being marked ‘Highly Commended’ in the ‘Best Specialist Lender’ and ‘Best Large…

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

JUN 09, 2026

Harpenden launch Expat mortgages

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Harpenden launch Expat mortgages
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Community

MAY 20, 2026

Jon’s Savings Blog – ISA Changes in 2027

There’s a famous saying: “The best time to plant a tree was 20 years ago. The second‑best time is now.”  Well, when it comes to ISAs… the tree is about…

Jon’s Savings Blog – ISA Changes in 2027
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Industry

APR 22, 2026

Member Notice – Staff training 23rd April

Member Notice – Staff training 23rd April
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Latest News

APR 17, 2026

A Q&A with our CEO Tracie

Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.

A Q&A with our CEO Tracie
Launch branch exterior 2 1

Industry

JAN 22, 2026

We celebrate our new branch opening in Harpenden

We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…

We celebrate our new branch opening in Harpenden

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