part and part mortgage

Part and part mortgages

The best of both worlds

A part and part mortgage allows you to split your home loan and combine the security of a fixed rate mortgage with the flexibility of a tracker mortgage.

What you need to know


  • Tailor your mortgage to meet your needs  by splitting your loan across both fixed and tracker mortgages 
  • Enables you to manage your exposure to the Bank of England Base Rate changes
  • Fee-free early repayments on the tracker part of your mortgage.

Things to consider

  • On the tracker part of your mortgage your repayments could rise or fall, depending on how the Bank of England Base Rate changes
  • On the fixed part of your mortgage, additional fees apply to early repayments

Rates and fees

Repayment options available

Capital repayment

You pay capital and interest throughout the term, reducing the amount owed in conjunction with paying off interest. The mortgage will be paid off in full when the term ends.

Interest only

Your monthly payments only cover the interest on the mortgage. At the end of the term, you’ll still owe the amount you originally borrowed, and you’ll have to repay it in full.

Please note

Your home may be repossessed if you do not keep up repayments on your mortgage.
Your investment property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage.

Remember that where the mortgage is denominated in a currency other than your home currency, changes in the exchange rate may increase the equivalent value of the debt in terms of your home currency.

Looking to buy a UK home?

If you're an International Banking client, talk to us about your mortgage options – call us on +44 (0)1624 684316*.

Not yet a client?

If you would like to become an International Banking client – call us on +44 (0)1624 684316*.

Alternatively, apply for an account online.

Please see eligibility criteria below1.

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Fixed rate mortgages

Keep on track with set, regular payments

Fixed rate mortgages can be a great way to plan ahead or work to a budget. You pay exactly the same amount each month for the fixed rate term.


Tracker rate mortgages

Variable payments for more flexibility

Tracker rate mortgages are linked to the Bank of England Base Rate. As it's linked to a variable rate your monthly payments may go up as well as down.