Mortgage Rates. Rates as at 04/12/2018. Tesco Bank mortgage features. Eligibility information. How to apply

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1 Mortgage Rates Rates as at 04/12/2018 Tesco Bank mortgage features A range of product and fee options. Overpay up to 20% of the outstanding balance each year, during the initial fixed period, with no Early Repayment. The only mortgage that lets you collect Tesco Clubcard points. You'll collect one point every 4 of your monthly mortgage repayments as well as on any regular or lump sum overpayments you make. You won't collect points on any fees or charges paid separately from your monthly payment or any overpayment you make to pay off your mortgage in full. Clubcard points collection rates are subject to change. The Tesco Clubcard Scheme is administered by Tesco Stores Limited at Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible fulfilling points. Eligibility inmation To be eligible a Tesco Bank mortgage: You must be aged 18 and you'll be under 75 when your mortgage ends. Your annual household income has to be more than 20,000. You must be a permanent UK resident or have indefinite right to remain in the UK. We will only consider income paid in UK sterling. For full eligibility criteria please visit: How to apply Get advice over the phone from our qualified mortgage advisers who can recommend a mortgage product from our range that best suits your circumstances. Apply online - Find out what a non-advised online application means to you on our website. How to contact us w: tescobank.com t: * minicom: * Lines open: Monday to Friday 8am-9pm, Saturday 9am-4pm. *These telephone numbers may be included as part of any inclusive call minutes provided by your phone operator. Our mortgage products and rates are correct at 04/12/2018 and may be withdrawn or changed at any time. Subject to status and lending criteria. Available to UK residents only. Tesco Bank is a trading name of Tesco Personal Finance plc, a company incorporated in Scotland (registered number SC173199) and having its registered office at 2 South Gyle Crescent, Edinburgh EH12 9FQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

2 (House Purchase Only) Initial Rate Reverting to Product Fee Cashback* LTV 0% - 75% 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.6% 0 0 Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.4% 995 1,000 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.4% 0 1,000 Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.4% 995 1,000 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.4% 0 1,000 Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.4% 995 1,000 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 1,000 Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 995 1,000 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 1,000 Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.9% Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.9% 0 0 Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.9% Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.9% Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.9% 0 0 Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.9% 995 1,000 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.9% 0 0 Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.9% 0 1,000 Yes (Until 31/01/2024) A mortgage of 154,000 with an assumed start date of 01/02/2019 payable over 30 years initially on a fixed rate 5 years at 2.62% and then on our current variable rate of 4.04% the remaining 25 years would require 60 monthly payments of and 300 monthly payments of The total amount payable would be 253, made up of the loan amount plus interest of 99,266.52, a product fee of 0 and a valuation fee of 0. Please refer to your Mortgage Illustration details on other fees payable on your mortgage. The overall cost is 3.6% APRC Representative. *Cashback products are available only customers borrowing at least 100,000. Cashback is paid on completion of the mortgage.

3 (Remortgage Only) Initial Rate Reverting to LTV 0% - 75% Product Fee Cashback* Free Standard Legal Service 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% No Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% No Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% No Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% No Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% No Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% No Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% 0 0 Yes Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 3.8% No Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% Yes Yes (Until 31/01/2022) 3 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 0 Yes Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% 0 0 Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 3.5% No Yes (Until 31/01/2024) 2 Year Fixed Rate - until 31/01/ % 4.04% 4.0% 0 0 Yes Yes (Until 31/01/2021) 2 Year Fixed Rate - until 31/01/ % 4.04% 4.0% No Yes (Until 31/01/2021) 3 Year Fixed Rate - until 31/01/ % 4.04% 4.1% 0 0 Yes Yes (Until 31/01/2022) 5 Year Fixed Rate - until 31/01/ % 4.04% 4.2% 0 0 Yes Yes (Until 31/01/2024) 5 Year Fixed Rate - until 31/01/ % 4.04% 4.1% No Yes (Until 31/01/2024) A mortgage of 148,000 with an assumed start date of 01/02/2019 payable over 19 years initially on a fixed rate 5 years at 2.49% and then on our current variable rate of 4.04% the remaining 14 years would require 60 monthly payments of and 168 monthly payments of The total amount payable would be 200, made up of the loan amount plus interest of 52,415.51, a product fee of 0 and a valuation fee of 0. Please refer to your Mortgage Illustration details on other fees payable on your mortgage. The overall cost is 3.3% APRC Representative. *Cashback products are available only customers borrowing at least 100,000. Cashback is paid on completion of the mortgage.

4 (Existing Customers - Switching your current mortgage deal at the end of its term) Initial Rate Reverting to Product Fee LTV 0% - 75% 2 Year Fixed Rate - until 31/03/ % 4.04% 3.8% 0 Yes (Until 31/03/2021) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 995 Yes (Until 31/03/2022) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 0 Yes (Until 31/03/2022) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 995 Yes (Until 31/03/2024) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 0 Yes (Until 31/03/2024) 2 Year Fixed Rate - until 31/03/ % 4.04% 3.8% 0 Yes (Until 31/03/2021) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 995 Yes (Until 31/03/2022) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 0 Yes (Until 31/03/2022) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 995 Yes (Until 31/03/2024) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 0 Yes (Until 31/03/2024) 2 Year Fixed Rate - until 31/03/ % 4.04% 3.8% 0 Yes (Until 31/03/2021) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 995 Yes (Until 31/03/2022) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 0 Yes (Until 31/03/2022) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 995 Yes (Until 31/03/2024) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 0 Yes (Until 31/03/2024) 2 Year Fixed Rate - until 31/03/ % 4.04% 3.8% 0 Yes (Until 31/03/2021) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 995 Yes (Until 31/03/2022) 3 Year Fixed Rate - until 31/03/ % 4.04% 3.7% 0 Yes (Until 31/03/2022) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 995 Yes (Until 31/03/2024) 5 Year Fixed Rate - until 31/03/ % 4.04% 3.5% 0 Yes (Until 31/03/2024) 2 Year Fixed Rate - until 31/03/ % 4.04% 4.0% 0 Yes (Until 31/03/2021) 3 Year Fixed Rate - until 31/03/ % 4.04% 4.1% 0 Yes (Until 31/03/2022) 5 Year Fixed Rate - until 31/03/ % 4.04% 4.2% 0 Yes (Until 31/03/2024) A mortgage of 161,000 with an assumed start date of 01/04/2018 payable over 23 years initially on a fixed rate 5 years at 2.65% and then on our current variable rate of 4.04% the remaining 18 years would require 60 monthly payments of and 216 monthly payments of The total amount payable would be 235, made up of the loan amount plus interest of 74,320.35, a product fee of 0 and a valuation fee of 0. Please refer to your Mortgage Illustration details on other fees payable on your mortgage. The overall cost is 3.5% APRC Representative.

5 Mortgage Rates - Existing Customers Borrowing More Rates as at 04/12/2018 Inmation on borrowing more Whether you re looking to make improvements to your home, changing the family car or thinking about other special purchases, if you have a residential mortgage with us, you could apply to borrow up to 95% of the value of your home (including your existing mortgage) on additional borrowing rates with no application, completion or valuation fees to pay. If you'd like to apply to borrow more You'll need to speak to one of our qualified Mortgage Advisers. With a Tesco Bank Mortgage you can apply additional borrowing after you've made six consecutive monthly payments. The minimum amount you can borrow is 5,000 and fees may apply. We'll need to check you can afd to repay any additional borrowing. We'll also need to check that it won't increase your total mortgage borrowing above our maximum loan to value or increase your mortgage term. Additional borrowing will increase the total amount you owe, the interest payable and your monthly payments. The minimum term additional borrowing is 3 years and the maximum term is 40 years. Your Mortgage Adviser will provide you with more inmation on this, should you wish to make an application. All applications are subject to status and lending criteria. For full eligibility criteria, and details of our fees and charges, please visit: Ready to apply? Call us t: * minicom: * Lines open: Monday to Friday 8am-9pm, Saturday 9am-4pm. *These telephone numbers may be included as part of any inclusive call minutes provided by your phone operator. Our mortgage products and rates are correct at 04/12/2018 and may be withdrawn or changed at any time. Available to UK residents only. Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. SC Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

6 (Existing customers Borrowing More) Initial Rate Reverting to Product Fee LTV 0% - 60% Additional Borrowing 5 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 Yes (Until 31/01/2024) LTV 60.1% - 75% Additional Borrowing 5 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 Yes (Until 31/01/2024) Additional Borrowing 5 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 Yes (Until 31/01/2024) Additional Borrowing 5 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 Yes (Until 31/01/2024) Additional Borrowing 5 Year Fixed Rate - until 31/01/ % 4.04% 3.7% 0 Yes (Until 31/01/2024) Tesco Bank Standard Variable Rate 4.04% n/a 4.0% 0 None A mortgage of 25,000 with an assumed start date of 01/02/2019 payable over 23 years initially on a fixed rate 2 years at 2.76% and then on our current variable rate of 4.04% the remaining 21 years would require 24 monthly payments of and 252 monthly payments of The total amount payable would be 37, made up of the loan amount plus interest of 12,688.08, a product fee of 0 and a valuation fee of 0. Please refer to your Mortgage Illustration details on other fees payable on your mortgage. The overall cost is 3.9% APRC Representative