Credit Renew Mortgages
Our range of Credit Renew Mortgages are designed for customers who are not credit impaired but have recently experienced a life event they have recovered from, which has impacted their credit profile meaning they do not meet our standard lending criteria.

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Credit Renew 1 - 2 Year 60% LTV (fixed until 31.10.2027)
Initial Interest Rate
5.89%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
7.70%
Product Code
DP366
Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.
Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.89% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,147.67, 48 payments of £1,267.55 and 223 monthly payments of £1,386.22.
The total amount payable would be £404,850.89 made up of the loan amount plus interest of £223,251.89 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.7% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 1 - 2 Year 90% LTV (fixed until 31.10.2027)
Initial Interest Rate
6.19%
Maximum Loan To Value (LTV)
90%
Overall Cost for Comparison
7.80%
Product Code
DP367
Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.
Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.19% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,180.74, 48 payments of £1,270.08 and 223 monthly payments of £1,388.99.
The total amount payable would be £406,499.07 made up of the loan amount plus interest of £224,950.07 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.8% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 2 - 2 Year 60% LTV (fixed until 31.10.2027)
Initial Interest Rate
5.99%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
7.70%
Product Code
DP368
Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.
Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.99% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,158.64, 48 payments of £1,268.40 and 223 monthly payments of £1,387.16.
The total amount payable would be £405,419.44 made up of the loan amount plus interest of £223,820.44 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.7% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 2 - 2 Year 70% LTV (fixed until 31.10.2027)
Initial Interest Rate
6.29%
Maximum Loan To Value (LTV)
70%
Overall Cost for Comparison
7.80%
Product Code
DP369
Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.
Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.29% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,191.86, 48 payments of £1,270.91 and 223 monthly payments of £1,389.89.
The total amount payable would be £407,112.09 made up of the loan amount plus interest of £225,513.09 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.8% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 1 - 2 Year Discount 60% LTV
Initial Interest Rate
5.49%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
7.70%
Product Code
DP303
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.49% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,329.03, 48 payments of £1,537.04 and 228 monthly payments of £1,682.77.
The total amount payable would be £490,995.20 made up of the loan amount plus interest of £272,712.20 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.7% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 1 - 2 Year Discount 90% LTV
Initial Interest Rate
6.69%
Maximum Loan To Value (LTV)
90%
Overall Cost for Comparison
8.00%
Product Code
DP304
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.69% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,488.55, 48 payments of £1,547.10 and 228 monthly payments of £1,693.79.
The total amount payable would be £497,744.12 made up of the loan amount plus interest of £279,536.12 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 8.0% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 2 - 2 Year Discount 60% LTV
Initial Interest Rate
5.79%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
7.80%
Product Code
DP305
The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 5.79% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,368.10, 48 payments of £1,539.69 and 228 monthly payments of £1,685.67.
The total amount payable would be £492,721.28 made up of the loan amount plus interest of £274,438.28 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.8% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Credit Renew 2 - 2 Year Discount 70% LTV
Initial Interest Rate
6.79%
Maximum Loan To Value (LTV)
70%
Overall Cost for Comparison
8.00%
Product Code
DP306
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.79% for 2 years, a further variable discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,502.23, 48 payments of £1,547.88 and 228 monthly payments of £1,694.63.
The total amount payable would be £498,351.40 made up of the loan amount plus interest of £280,093.40 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 8.0% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.