Tandem Bank Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 60% LTV | 5.44% | 2 years | £999 | |
| 2-yr fixed 75% LTV | 5.60% | 2 years | £999 | |
| 5-yr fixed 60% LTV | 4.04%Best | 5 years | £999 | |
| 5-yr fixed 75% LTV | 4.22% | 5 years | £999 | |
| 5-yr fixed 85% LTV | 4.46% | 5 years | £999 | |
| Standard Variable Rate | 8.14% | Ongoing | None | - |
Tandem Bank Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 5-yr fixed 65% LTV | 4.59%Best | 5 years | £1,295 | |
| BTL 5-yr fixed 75% LTV | 4.84% | 5 years | £1,295 |
Tandem Bank Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| Tandem Bank 2-yr fixed PT (same LTV band) | 5.49% | 2 years | £0 | Cashback available |
| Tandem Bank 5-yr fixed PT (same LTV band) | 4.09% | 5 years | £0 | Cashback available |
| Tandem Bank PT + borrow more (residential) | 4.16% | 5 years | £595 | Cashback available |
About Tandem Bank Mortgages
Tandem Bank is a UK digital challenger bank with a strong focus on sustainability and ethical banking. Their mortgage products are primarily green mortgages designed for energy-efficient properties, offering more competitive rates for homes with higher EPC ratings as an incentive for sustainable homeownership.
Tandem Bank suits environmentally-conscious borrowers purchasing or improving energy-efficient homes. If your property has an EPC rating of A or B, Tandem can offer reduced rates as a reward for lower carbon footprint. They're also a good fit for borrowers renovating to improve energy efficiency who want to combine their mortgage with a green improvement loan.