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2.69% 3 year discounted rate by 1.70%

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional

2.69% 3 year discounted rate by 1.70%

2.69% 4.39% 4.2%APRC
  • Interest-Only
60% £999~

Key things to bear in mind

· Purpose - Purchase, remortgage, product switch and further advance 
· Discount - 1.70% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.59% 
· Loan to Value - Maximum 60%
· Fees:
- Application fee -  £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switches
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
· Early Repayment Charges -  3% for the first year, 2% for the second year, 1% for the third year
· Maximum loan - No maximum. 
· Minimum loan - £2,000 for further advance. No minimum for product switches
· Additional criteria – For further advances the mortgage must complete by 01/02/2022
· Cost for comparison - 4.2% APRC

Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £165,000.00 payable over 16 years initially on a discounted variable rate for 3 years at 1.70% below our variable Managed Mortgage Rate  and then on our variable Managed Mortgage Rate, currently 4.39% would require 35 monthly payments of £369.88 and 157 monthly payments of £603.49 plus one initial interest payment of £377.83.

The total amount payable would be £274,345.56 made up of the loan amount plus interest of £108,071.56, an Application Fee of £175, a Product Fee of £999 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 4.2% APRC representative.

Case study - A repayment mortgage even in retirement

Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term.

View full case study

Over 125 years of helping people move in

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.


More about who we areView our awards

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