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Professional Mortgage interest rates
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Interest Rates effective from Friday 15th February 2019
We reserve the right to change our product rates at any time.
The following rules apply to all our house purchase products:
- Offset is available with all products
- interest only available up to 75% LTV, subject to evidence of an acceptable repayment plan
- for new build properties the maximum LTV is 85%
- for second homes the maximum LTV is 75%
- loans > £750,000 are subject to the following LTV restrictions:
- > £750,000 to £1m up to 85%
- > £1m to £2m up to 80%
- > £2m to £5m up to 70%.
- for interest rates available for borrowing over £1m, where product fees apply these are payable for each £3m of borrowing (e.g. for loans £1m to £2,999,999 one product fee is payable; for loans £3m to £5,999,999 two product fees are payable; maximum borrowing is currently £5 million).
YOUR CLIENT’S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE.
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2 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31st MAY 2021 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 1.64% Currently 4.24% £999 Up to 75% 1.74% Currently 4.24% £999 Up to 85% 1.84% Currently 4.24% £999 Up to 90% 2.46% Currently 4.24% £999 5 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31st MAY 2024 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60%
1.99%
Currently 4.24%
£1,499
Up to 75%
2.09%
Currently 4.24%
£1,499
Up to 85%
2.39%
Currently 4.24%
£1,499
Up to 90%
3.34%
Currently 4.24%
£1,499
2 Year Variable Rates for borrowing up to and including £1 million
Loan to Value Initial Rate Followed by our Standard Variable Rate Product Fee Up to 60% 0.79% above Bank of England base rate for 2 years giving a current rate of 1.54% (variable) Currently 4.24% £999 Up to 75% 0.94% above Bank of England base rate for 2 years giving a current rate of 1.69% (variable) Currently 4.24% £999 Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing over £1 million
Loan to Value Initial Rate fixed until 31st MAY 2021 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.74% Currently 4.24% £1,999 Up to 75% 1.94% Currently 4.24% £1,999 Up to 80% 2.64% Currently 4.24% £1,999 5 Year Fixed Rates for borrowing over £1 million
Loan to Value Initial Rate fixed until 31st MAY 2024 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60%
2.14%
Currently 4.24%
£1,999
Up to 75%
2.39%
Currently 4.24%
£1,999
Up to 80%
2.84%
Currently 4.24%
£1,999
Early Repayment Charges may apply.
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House purchase Early Repayment Charges
With a fixed rate mortgage, up to 10% of the loan balance may be repaid once a year without an early repayment charge. With a variable rate mortgage (not including our Standard Variable Rate) there are no early repayment charges unless overpayments take the outstanding balance below £100, or pay off the mortgage completely. Where early repayment charges do apply, the following table shows our current charging structure for the different products available.
Product Type Early repayment charge For product Loan to Values up to 75%
For product Loan to Values above 75%
2 Year Fixed Rate (£999 fee)
1.30% of the chargeable balance* being repaid until the 12th payment has been repaid, followed by 0.70% for the remaining term of the fixed rate. 1.35% of the chargeable balance* being repaid until the 12th payment has been repaid, followed by 0.75% for the remaining term of the fixed rate. 2 Year Fixed Rate (£1,999 fee)
1.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.65% for the remaining term of the fixed rate. 2.20% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.00% for the remaining term of the fixed rate. 5 Year Fixed Rate (£1,499 fee)
4.60% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.35% between 36th and 48th payments, followed by 0.95% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payment, followed by 2.65% between the 36 and 48th payment and 1.10% for the remaining term of the fixed rate. 5 Year Fixed Rate (£1,999 fee)
4.80% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.35% between the 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.20% for the remaining term of the fixed rate. 2 Year Variable Rate (£999 fee)
1.35% of the chargeable balance* being repaid until the 12th payment has been repaid, followed by 0.80% for the remaining term of the variable rate. Not applicable. Standard Variable Rate
No Early Repayment Charges apply. No Early Repayment Charges apply. *For fixed rate products the 'chargeable balance' is any amount repaid that exceeds 10% of the outstanding mortgage balance at the time of the repayment, or the full amount being repaid if a repayment has already been made in the same year. For variable rate products, the 'chargeable balance' is the full amount of mortgage taken on the variable rate product at the outset.
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Interest Rates effective from Friday 15th February 2019
We reserve the right to change our product rates at any time.
The following rules apply to all our remortgage products:
- our remortgage package is available with all products
- Offset is available with all products
- for remortgages with a capital raise the maximum LTV is 85%
- interest only available up to 75% LTV, subject to evidence of an acceptable repayment plan
- loans > £750,000 are subject to the following LTV restrictions:
- > £750,000 to £1m up to 85%
- > £1m to £2m up to 80%
- > £2m to £5m up to 70%.
YOUR CLIENT’S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE.
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2 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31st MAY 2021 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.62% Currently 4.24% £999 Up to 60% 2.04% Currently 4.24% No fee Up to 75% 1.68% Currently 4.24% £999 Up to 75% 2.09% Currently 4.24% No fee Up to 85% 1.84% Currently 4.24% £999 Up to 85% 2.64% Currently 4.24% No fee Up to 90% 2.74% Currently 4.24% £999 Up to 90% 3.64% Currently 4.24% No fee 5 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31st MAY 2024 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.99% Currently 4.24% £999 Up to 60% 2.29% Currently 4.24% No fee Up to 75% 2.05% Currently 4.24% £999 Up to 75% 2.54% Currently 4.24% No fee Up to 85% 2.34% Currently 4.24% £999 Up to 85% 2.74% Currently 4.24% No fee 2 Year Variable Rates for borrowing up to and including £1 million
Loan to Value Initial Rate Reverting to our Standard Variable Rate thereafter ProDUct fee Up to 60% 1.19% above Bank Of England base rate for two years giving a current rate of 1.94% Currently 4.24% No fee Up to 75% 1.24% above Bank Of England base rate for two years giving a current rate of 1.99% Currently 4.24% No fee Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing over £1 million
Loan to Value Initial Rate fixed
until
31st MAY 2021Reverting to our Standard Variable Rate thereafter Product fee* Up to 60% 1.69% Currently 4.24% £1,999 Up to 75% 1.99% Currently 4.24% £1,999 Up to 80% 2.19% Currently 4.24% £1.999 *The fee of £1,999 is payable for loans >£1m to £2m; then for loans >£2m a £1,999 fee is payable for each additional £3m of borrowing. For example for loans >£2m to £5m two £1,999 fees are payable. Maximum borrowing is £5m.
5 Year Fixed Rates for borrowing over £1 million
Loan to Value Initial Rate fixed until 31st MAY 2024 Reverting to our Standard Variable Rate thereafter ProDuct fee* Up to 60% 2.07% Currently 4.24% £1,999 Up to 75% 2.19% Currently 4.24% £1,999 *The fee of £1,999 is payable for loans >£1m to £2m; then for loans >£2m a £1,999 fee is payable for each additional £3m of borrowing. For example for loans >£2m to £5m two £1,999 fees are payable. Maximum borrowing is £5m.
Early Repayment Charges may apply.
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With a fixed rate mortgage, up to 10% of the loan balance may be repaid once a year without an Early Repayment Charge. Where Early Repayment Charges apply, the following table shows our current charging structure for the different products available.
Product Type Early repayment charge For product Loan to Values up to 75%
For product Loan to Values above 75%
2 Year Fixed Rate (no fee)
1.60% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.85% for the remaining term of the fixed rate. 2.55% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.30% for the remaining term of the fixed rate. 2 Year Fixed Rate (£999 fee)
1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.75% for the remaining term of the fixed rate. 2 Year Fixed Rate (£1,999 fee)
1.30% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.65% for the remaining term of the fixed rate. 1.50% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.75% for the remaining term of the fixed rate. 2 Year Fixed Rate (£3,998 fee)
1.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.65% for the remaining term of the fixed rate. Not applicable. 5 Year Fixed Rate (no fee)
5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.80% between the 36th and 48th payments and 1.25% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments followed by 1.45% for the remaining term of the fixed rate. 5 Year Fixed Rate (£999 fee)
4.60% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.35% between the 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.55% between the 36th and 48th payments, followed by 1.10% for the remaining term of the fixed rate. 5 Year Fixed Rate (£1,999 fee)
4.75% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.35% between the 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. Not applicable. 5 Year Fixed Rate (£3,998 fee)
4.75% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.35% between the 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. Not applicable. 2 Year Variable Rate (no fee)
1.65% of the chargeable balance* being repaid until the 12th payment has been repaid, followed by 0.95% for the remaining term of the variable rate. Not applicable. Standard Variable Rate
No Early Repayment Charges apply. No Early Repayment Charges apply. *For fixed rate products the 'chargeable balance' is any amount repaid that exceeds 10% of the outstanding mortgage balance at the time of the repayment, or the full amount being repaid if a repayment has already been made in the same year.
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Interest Rates effective from Tuesday 5th March 2019.
We reserve the right to change our product rates at any time.
The following rules apply to all our Product Transfer products:
- All rates exclusively available to existing customers.
- Rates available up to 120% Loan to Value.
- Offset available at no extra cost.
- Early Repayment Charges apply.
YOUR CLIENT’S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE.
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2 Year Fixed Rates for mortgage balances up to £250,000
Loan to Value Initial Rate fixed until 31st JULY 2021 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 2.04% Currently 4.24% 3.5% APRC £0 Up to 75% 2.09% Currently 4.24% 3.5% APRC £0 Up to 85% 2.64% Currently 4.24% 3.7% APRC £0 Up to 120% 3.44% Currently 4.24% 3.9% APRC £0 5 Year Fixed Rates for mortgage balances up to £250,000
Loan to Value Initial Rate fixed until 31st JULY 2024 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 2.29% Currently 4.24% 3.1% APRC £0 Up to 75% 2.54% Currently 4.24% 3.3% APRC £0 Up to 85% 2.79% Currently 4.24% 3.4% APRC £0 Up to 120% 3.79% Currently 4.24% 4.0% APRC £0 Early Repayment Charges may apply.
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2 Year Fixed Rates for mortgage balances £250,001 to £500,000
Loan to Value Initial Rate fixed until 31st JULY 2021 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 1.64% Currently 4.24% 3.6% APRC £1,499 Up to 60% 1.99% Currently 4.24% 3.6% APRC £0 Up to 75% 1.69% Currently 4.24% 3.6% APRC £1,499 Up to 75% 2.04% Currently 4.24% 3.6% APRC £0 Up to 85% 2.29% Currently 4.24% 3.7% APRC £1,499 Up to 85% 2.49% Currently 4.24% 3.7% APRC £0 Up to 120% 3.39% Currently 4.24% 3.9% APRC £0 5 Year Fixed Rates for mortgage balances £250,001 to £500,000
Loan to Value Initial Rate fixed until 31st JULY 2024 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 2.14% Currently 4.24% 3.2% APRC £1,499 Up to 60% 2.24% Currently 4.24% 3.2% APRC £0 Up to 75% 2.29% Currently 4.24% 3.3%APRC £1,499 Up to 75% 2.39% Currently 4.24% 3.3% APRC £0 Up to 85% 2.54% Currently 4.24% 3.5% APRC £1,499 Up to 85% 2.64% Currently 4.24% 3.5% APRC £0 Up to 120% 3.74% Currently 4.24% 3.9% APRC £0 Early Repayment Charges may apply.
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2 Year Fixed Rates for mortgage balances greater than £500,000
Loan to Value Initial Rate fixed until 31st JULY 2021 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee* Up to 60% 1.59% Currently 4.24% 3.5% APRC £1,499 Up to 60% 1.94% Currently 4.24% 3.6% APRC £0 Up to 75% 1.64% Currently 4.24% 3.5% APRC £1,499 Up to 75% 1.99% Currently 4.24% 3.6% APRC £0 Up to 85% 1.74% Currently 4.24% 3.6% APRC £1,499 Up to 85% 2.44% Currently 4.24% 3.7% APRC £0 Up to 120% 2.84% Currently 4.24% 3.8% APRC £599 Up to 120% 3.34% Currently 4.24% 4.0% APRC £0 *Where product fees apply these are payable for each £1 million of borrowing (i.e. for loans up to £1 million one product fee is payable; for loans of £1 million to £1,999,999 two product fees would be payable; for loans of £2 million to £2,999,999 three product fees would be payable. Maximum borrowing is £5m).
5 Year Fixed Rates for mortgage balances greater than £500,000
Loan to Value Initial Rate fixed until 31st JULY 2024 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee* Up to 60% 2.04% Currently 4.24% 3.5% APRC £1,499 Up to 60% 2.19% Currently 4.24% 3.2% APRC £0 Up to 75% 2.29% Currently 4.24% 3.3% APRC £1,499 Up to 75% 2.39% Currently 4.24% 3.3% APRC £0 Up to 85% 2.44% Currently 4.24% 3.6% APRC £1,499 Up to 85% 2.49% Currently 4.24% 3.6% APRC £0 Up to 120% 3.59% Currently 4.24% 3.9% APRC £599 Up to 120% 3.69% Currently 4.24% 3.9% APRC £0 *Where product fees apply these are payable for each £1 million of borrowing (i.e. for loans up to £1 million one product fee is payable; for loans of £1 million to £1,999,999 two product fees would be payable; for loans of £2 million to £2,999,999 three product fees would be payable. Maximum borrowing is £5m).
Early Repayment Charges may apply.
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With a fixed rate mortgage, up to 10% of the loan balance may be repaid once a year without an Early Repayment Charge. Where Early Repayment Charges apply, the following table shows our current charging structure for the different products available.
Product Type For product Loan to Values up to 60% For product Loan to Values between 60% - 75% For product Loan to Values between 75% - 85% For product Loan to Values above 85% 2 Year Fixed
rate for balances under £250,000 (no fee)
1.35% of the chargeable balance* being repaid until the 12th payment has
been made, followed by 0.70% for the remaining term of the fixed rate.1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 2.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.00% for the remaining term of the fixed rate. 2.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.00% for the remaining term of the fixed rate. 2 Year Fixed
rate for balances between £250,000 and £500,000 (no fee)
1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 2.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.90% for the remaining term of the fixed rate. 2.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.00% for the remaining term of the fixed rate. 2 Year Fixed
rate for balances over £500,000 (no fee)
1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 1.35% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.70% for the remaining term of the fixed rate. 2.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.95% for the remaining term of the fixed rate. 2.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1.00% for the remaining term of the fixed rate. 2 Year Fixed
rate for balances between £250,000 and £500,000 (£1,499 fee)
1.15% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 1.15% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 1.15% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. No early repayment charges apply 2 Year Fixed
rate for balances 0ver £500,000 (£1,499 fee for Loan to Value up to 85%, £599 fee above 85%)
1.10% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 1.10% of the chargeable balance* being repaid until the 12th payment has
been made, followed by 0.60% for the remaining term of the fixed rate.1.10% of the chargeable balance* being repaid until the 12th payment has
been made, followed by 0.60% for the remaining term of the fixed rate.1.15% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 5 Year Fixed
rate for balances under £250,000 (no fee)
5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 5 Year Fixed
rate for balances between £250,000 and £500,000 (no fee)
5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.60% between 36th and 48th payments, followed by 1.05% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 2 Year Fixed
rate for balances between £250,000 and £500,000 (£1,499 fee)
5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 2 Year Fixed
rate for balances 0ver £500,000 (£1,499 fee for Loan to Value up to 85%, £599 fee above 85%)1.10% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 1.10% of the chargeable balance* being repaid until the 12th payment has
been made, followed by 0.60% for the remaining term of the fixed rate.1.10% of the chargeable balance* being repaid until the 12th payment has
been made, followed by 0.60% for the remaining term of the fixed rate.1.15% of the chargeable balance* being repaid until the 12th payment has been made, followed by 0.60% for the remaining term of the fixed rate. 5 Year Fixed
rate for balances between £250,000 and £500,000 (no fee)5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate.
5 Year Fixed
rate for balances over £500,000 (no fee)5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.60% between 36th and 48th payments, followed by 1.05% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 48th payments, followed by 1.15% for the remaining term of the fixed rate. 5 Year Fixed
rate for balances between £250,000 and £500,000 (£1,499 fee)4.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.20% between 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. 4.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.00% between 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.60% between 36th and 48th payments, followed by 1.05% for the remaining term of the fixed rate. No early repayment charges apply 5 Year Fixed
rate for balances over £500,000 (£1,499 fee for Loan to Value up to 85%, £599 fee above 85%)4.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.00% between 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. 4.25% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.20% between 36th and 48th payments, followed by 0.90% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.50% between 36th and 48th payments, followed by 1.00% for the remaining term of the fixed rate. 5.00% of the chargeable balance* being repaid until the 12th payment has been made, followed by 4.00% between the 12th and 24th payments, followed by 3.00% between the 24th and 36th payments, followed by 2.60% between 36th and 48th payments, followed by 1.05% for the remaining term of the fixed rate. Standard
Variable
RateNo early repayment charges apply
No early repayment charges apply
No early repayment charges apply No early repayment charges apply
*For fixed rate products the 'chargeable balance' is any amount repaid that exceeds 10% of the outstanding mortgage balance at the time of the repayment, or the full amount being repaid if a repayment has already been made in the same year.
It is our belief that consistency of rates is important when choosing a product and should form a major part of the decision-making process.
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- A fixed-rate option is available as part or all of the main mortgage.
- A booking fee may apply. Mortgage fees can be paid up front (prior to offer) or rolled up (added to the loan on completion).
- Interest is calculated on a daily basis.
- An overpayment of up to 10% of the loan balance may be repaid once a year, without an early repayment charge.
- If your client decides to move house during any period where an early repayment charge (ERC) is payable, we will carry the rate forward on the outstanding balance and waive the ERC if they arrange the new mortgage with Scottish Widows Bank, subject to our lending criteria. Purchase of the new property must complete within 90 calendar days of the sale of the existing property. Where completion dates are not simultaneous the ERC would be payable on completion of the sale and refunded on completion of the subsequent purchase.
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- A choice of variable rates is available on part or all of the main mortgage.
- An arrangement fee may apply. Mortgage fees can be paid up front (prior to offer) or rolled up (added to the loan amount on completion).
- Interest is calculated on a daily basis.
- If your client decides to move house during any period where an early repayment charge (ERC) is payable, we will carry the rate forward on the outstanding balance and waive the ERC if they arrange the new mortgage with Scottish Widows Bank, subject to our lending criteria. Purchase of the new property must complete within 90 calendar days of the sale of the existing property. Where completion dates are not simultaneous the ERC would be payable on completion of the sale and refunded on completion of the subsequent purchase.
- Overpayments can be made at any time without an early repayment charge as long as the final balance doesn’t fall below £100.
- 'Switch & Fix'. This means customers on a variable rate can switch without penalty to a new fixed rate, subject to assessment. Any applicable fixed rate booking fee would be payable, but no early repayment charge would be applied for early withdrawal from the variable rate product.