Professional and Flexible Mortgage Interest Rates

House purchase

  • We reserve the right to change our product rates at any time.

    • 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%.

    YOUR CLIENT’S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE.

  • 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 do apply, the following table shows our current charging structure for the different products available.

    Product Early repayment Charges
    Two Year Fixed Rates 2% of the chargeable balance* being repaid until the end of the month when the 12th payment has been made, followed by 1% for the remaining term of the fixed rate.
    Five Year Fixed Rate 5% of the chargeable balance* being repaid until the end of the month when the 12th payment has been made, followed by 4% until the end of the month when the 24th payment has been made, followed by 3% until the end of the month when the 36th payment has been made, followed by 2% until the end of the month when the 48th payment has been made, followed by 1% for the remaining term of the fixed rate.
    Standard Variable Rate 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.

Product transfer

  • We reserve the right to change our product rates at any time.

    • 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.

  • 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 Early repayment Charges
    Two Year Fixed Rates 2% of the chargeable balance* being repaid until the end of the month when the 12th payment has been made, followed by 1% for the remaining term of the fixed rate.
    Five Year Fixed Rate 5% of the chargeable balance* being repaid until the end of the month when the 12th payment has been made, followed by 4% until the end of the month when the 24th payment has been made, followed by 3% until the end of the month when the 36th payment has been made, followed by 2% until the end of the month when the 48th payment has been made, followed by 1% for the remaining term of the fixed rate.
    Standard Variable Rate 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.

About our interest rates

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.

    • 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.
    • All our products are portable. Full information about porting is on our Criteria page.
    • 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.
    • All our products are portable. Full information about porting is on our Criteria page.
    • Overpayments can be made at any time without an early repayment charge.
    • '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.

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