Our mortgage rates

At M&S Bank we offer a wide range of mortgages to suit our customers – whether you’re a first time buyer, looking to move home or searching for a better deal by remortgaging to us.

Our mortgages include a ‘Fee Saver’ range. With our Fee Saver mortgages, you don’t need to worry about paying an application, product, or completion fee – they’re all included.

All our mortgages come with one free standard valuation. And if you are buying your first home and take out one of our First Time Buyer mortgages, you will receive £1,000 cashback upon completion (Terms and conditions apply). First time buyers are also free to choose from our homemover range, however these mortgages do not include cashback.

If you’re looking to save money by remortgaging to M&S Bank, you can also benefit from our fee-assisted legal service, covering the standard costs of the work required by M&S Bank to remortgage from another lender (Terms and conditions apply).

All M&S Bank Mortgages are subject to maximum Loan-to-value (LTV) ratios and are ‘repayment’ mortgages, which means the repayments include part of the loan amount.

Useful documents

Mortgage credit directive(opens in a new window)

Cashback terms and conditions(opens in a new window)

Fee assisted legal terms and conditions

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Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgage Selector

M&S Bank Mortgages

Standard variable rate (SVR)

Our standard variable rate (SVR) is . All rates correct as at

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Your home may be repossessed if you do not keep up repayments on your mortgage