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Professional and Flexible Mortgage Interest Rates
Following the recent Monetary Policy Committee meeting the Bank of England has announced a change to the Bank Rate from 0.75% to 0.25% and subsequently to 0.10%.
Customers with mortgages affected by the rate change will be given notice of their new monthly payment ahead of it being taken.
If any changes to our products are made following this announcement, these will be communicated in the usual way.
What interest rates are you looking for?
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Interest Rates effective from Wednesday 1st April 2020.
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.
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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 2022 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 1.59% Currently 3.59% £999 5 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31st may 2025 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60%
1.86%
Currently 3.59%
£999
Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing between £1,000,001 and £2 million
Loan to Value Initial Rate fixed until 31st may 2022 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.64% Currently 3.59% £1,499 5 Year Fixed Rates for borrowing between £1,000,001 and £2 million
Loan to Value Initial Rate fixed until 31st may 2025 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60%
1.88%
Currently 3.59%
£1,499
Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing greater than £2 million
Loan to Value Initial Rate fixed until 31st may 2022 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.74% Currently 3.59% £2,999 5 Year Fixed Rates for borrowing greater than £2 million
Loan to Value Initial Rate fixed until 31ST MAY 2025 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 2.06% Currently 3.59% £2,999 -
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. 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 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 12th payment has been made, followed by 4% between the 12th and 24th payments, followed by 3% between the 24th and 36th payments, followed by 2% between the 36th and 48th payments, 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.
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Interest Rates effective from Wednesday 1st April 2020.
We reserve the right to change our product rates at any time.
- 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.
-
2 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31ST MAY 2022 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.25% Currently 3.59% £999 5 Year Fixed Rates for borrowing up to and including £1 million
Loan to Value Initial Rate fixed until 31ST MAY 2025 Reverting to our Standard Variable Rate thereafter Product Fee Up to 60% 1.54% Currently 3.59% £999 Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing between £1,000,001 and £2 million
Loan to Value Initial Rate fixed until 31ST MAY 2022 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 1.65% Currently 3.59% £1,499 5 Year Fixed Rates for borrowing between £1,000,001 and £2 million
Loan to Value Initial Rate fixed until 31ST MAY 2025 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 1.88% Currently 3.59% £1,499 Early Repayment Charges may apply.
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2 Year Fixed Rates for borrowing more than £2 million
Loan to Value Initial Rate fixed until 31ST MAY 2022 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 1.69% Currently 3.59% £2,999 5 Year Fixed Rates for borrowing more than £2 million
Loan to Value Initial Rate fixed until 31ST MAY 2025 Reverting to our Standard Variable Rate thereafter Product fee Up to 60% 2.07% Currently 3.59% £2,999 -
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 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 12th payment has been made, followed by 4% between the 12th and 24th payments, followed by 3% between the 24th and 36th payments, followed by 2% between the 36th and 48th payments, 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.
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Interest Rates effective from Wednesday 1st April 2020.
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.
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2 Year Fixed Rates for mortgage balances up to £1 million
Loan to Value Initial Rate fixed until 31st july 2022 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 1.74% Currently 3.59% 3.6% APRC £749 Up to 60% 1.99% Currently 3.59% 3.6% APRC No fee Up to 75% 1.79% Currently 3.59% 3.6% APRC £749 Up to 75% 2.04% Currently 3.59% 3.6% APRC No fee Up to 80% 2.34% Currently 3.59% 3.7% APRC £749 Up to 80% 2.49% Currently 3.59% 3.7% APRC No fee Up to 85% 2.34% Currently 3.59% 3.7% APRC £749 Up to 85% 2.49% Currently 3.59% 3.7% APRC No fee Up to 120% 2.84% Currently 3.59% 3.9% APRC £749 Up to 120% 3.39% Currently 3.59% 3.9% APRC No fee 5 Year Fixed Rates for mortgage balances up to £1 million
Loan to Value Initial Rate fixed until 31st july 2025 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 2.19% Currently 3.59% 3.2% APRC £749 Up to 60% 2.24% Currently 3.59% 3.2% APRC No fee Up to 75% 2.29% Currently 3.59% 3.3% APRC £749 Up to 75% 2.39% Currently 3.59% 3.3% APRC No fee Up to 80% 2.59% Currently 3.59% 3.4% APRC £749 Up to 80% 2.64% Currently 3.59% 3.4% APRC No fee Up to 85% 2.59% Currently 3.59% 3.5% APRC £749 Up to 85% 2.64% Currently 3.59% 3.5% APRC No fee Up to 120% 3.59% Currently 3.59% 3.9% APRC £749 Up to 120% 3.74% Currently 3.59% 3.9% APRC No fee Early Repayment Charges may apply.
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2 Year Fixed Rates for mortgage balances £1,000,001 to £2 million
Loan to Value Initial Rate fixed until 31st july 2022 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 1.87% Currently 3.59% 3.5% APRC £1,249 Up to 75% 1.92% Currently 3.59% 3.5% APRC £1,249 Up to 80% 2.34% Currently 3.59% 3.7% APRC £1,249 Up to 85% 2.34% Currently 3.59% 3.6% APRC £1,249 Up to 120% 2.84% Currently 3.59% 3.8% APRC £1,249 5 Year Fixed Rates for mortgage balances £1,000,001 to £2 million
Loan to Value INITIAL RATE FIXED UNTIL 31st july 2025 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee Up to 60% 2.19% Currently 3.59% 3.5% APRC £1,249 Up to 75% 2.44% Currently 3.59% 3.3% APRC £1,249 Up to 80% 2.44% Currently 3.59% 3.4%APRC £1,249 Up to 85% 2.44% Currently 3.59% 3.6% APRC £1,249 Up to 120% 3.59% Currently 3.59% 3.9% APRC £1,249 Early Repayment Charges may apply.
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2 Year Fixed Rates for mortgage balances greater than £2 million
Loan to Value Initial Rate fixed until 31st july 2022 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee* Up to 60% 1.87% Currently 3.59% 3.5% APRC £2,499 Up to 75% 1.92% Currently 3.59% 3.5% APRC £2,499 Up to 80% 2.34% Currently 3.59% 3.7% APRC £2,499 Up to 85% 2.34% Currently 3.59% 3.6% APRC £2,499 Up to 120% 2.84% Currently 3.59% 3.8% APRC £2,499 5 Year Fixed Rates for mortgage balances greater than £2 million
Loan to Value Initial Rate fixed until 31st july 2025 Reverting to our Standard Variable Rate thereafter The overall cost for comparison is Product Fee* Up to 60% 2.19% Currently 3.59% 3.5% APRC £2,499 Up to 75% 2.44% Currently 3.59% 3.3% APRC £2,499 Up to 80% 2.44% Currently 3.59% 3.4% APRC £2,499 Up to 85% 2.44% Currently 3.59% 3.6% APRC £2,499 Up to 120% 3.59% Currently 3.59% 3.9% APRC £2,499 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 Early repayment Charges Two Year Fixed Rates 2% of the chargeable balance* being repaid until 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 12th payment has been made, followed by 4% between the 12th and 24th payments, followed by 3% between the 24th and 36th payments, followed by 2% between the 36th and 48th payments, followed by 1% for the remaining term of the fixed rate. Two Year Variable Rate 2% of the chargeable balance* being repaid until the 12th payment has been made, followed by 1% for the remaining term of the variable 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.
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.
- All our products are portable. Full information about porting is on our Criteria page.
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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.
- 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 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.