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’re buying your first home and take out a mortgage from our First Time Buyer range (minimum loan £75,000), you will receive £1,000 cashback upon completion. (Terms and conditions apply). Mortgages for first time buyers are available for amounts below £75,000 without cashback – please call us to discuss on 0800 923 1536.

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