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
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FOR EXISTING CUSTOMERS ONLY
Mortgage Interest Rates
Rates accurate as of 1 October 2025
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%
The rates listed above are variable rates that we set. For details specific to your mortgage, please refer to the terms and conditions provided with your mortgage agreement.