Notice to customers: The FCA has extended the pause in responding to customers complaints about Motor Finance commissions. Under their current rules, we have until after 31 May 2026 before we need to provide a final response. All complaints will be progressed in accordance with FCA guidance and timelines, with outcomes expected to be communicated in line with the FCA compensation scheme. If you would like to contact us to make a complaint, please email complaints@tandem.co.uk. Stay up to date with any further information and guidance by visiting https://www.fca.org.uk/consumers/car-finance-complaints

More info - Visit Car finance claims | FCA

FOR EXISTING CUSTOMERS ONLY

Mortgage Interest Rates

Rates accurate as of 1 October 2025

The rates listed below are variable rates that we set. For details specific to your mortgage, please refer to the terms and conditions provided with your mortgage agreement.

First Charge Mortgages

High Net Worth (Including Harrods Bank)

Residential Standard Variable Rate (SVR)

8.75 %

Buy-to-Let (BTL) & Commercial SVR

9.00 %

Bank and Clients (incl. Church House Trust)

Managed Rate

5.89%

Specialist Rate

6.95%

Residential Standard Variable Rate (SVR)

8.75%

Buy-to-Let (BTL) & Commercial SVR

9.00%

Tandem Specialist Mortgages

Lender Base Rate

0.50 %

Second Charge Mortgages

Home Loans (incl. Oplo and 1st Stop)

Lender Base Rate

4.00%

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

Representative Example: A mortgage of £150,000 over 25 years, with a variable interest rate of 8.75% for the full term, would require 300 monthly payments of £1,208. The total amount payable would be £362,400, made up of the loan amount plus interest. The overall cost for comparison is 9.1% APRC.