Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.
Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)
- Please note that the Premium Saver (5) has now been withdrawn from sale.
If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.
2.64% 3 year fixed rate
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Key things to bear in mind
- Purpose - Product switch and further advance
- LTV - Maximum 60%.
- Application Fee - £125 for further advance. £0 for product switches.
- Valuation Fees - £0
- Product Fee - £0
- Cashback - £0
- Early Repayment Charges - 3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025
- Minimum loan - £2,000 for further advance. No minimum for product switches
- Cost for comparison - 3.9% APRC
- Additional criteria - For further advances the mortgage must complete by 01/06/2022
The total amount payable would be £143,160.79 made up of the loan amount plus interest of £42,878.79 and a Mortgage Exit Fee of £100.
The overall cost for comparison is 3.9% APRC representative.
More downloads & what you'll need to apply
More mortgage downloads
Proof of income
Call our expert UK team
Savings - 03330 140141
Mortgages - 03330 140140
Savings - 03330 140144
Mortgages - 03330 140146