Notices
  • The Capital 90 (1) 1.06% AER - is now on general sale and can be applied for exclusively online. £20,000 minimum deposit. You can add funds to the account until 3pm, 26 November 2021, after this no additions will be allowed. Find out more
  • Premium Saver (4)  0.65% AER - is now on general sale and can be applied for exclusively online. £10,000 minimum deposit. You can add funds to the account until 3pm, 5 November 2021, after this no additions will be allowed. Find out more

3.09% 3 year fixed rate

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

3.09% 3 year fixed rate

3.09% 4.39% 4.0%APRC
  • Interest-Only
60% £0

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 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.0% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/02/2022
Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £99,052.00 payable over 11 years initially on a fixed rate for 3 years at 3.09% and then on our variable Managed Mortgage Rate, currently 4.39% would require 40 monthly payments of £255.06 and 92 monthly payments of £362.30 plus one initial interest payment of £252.22.

The total amount payable would be £142,938.22 made up of the loan amount plus interest of £43,786.22 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 4.0% APRC representative.

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.

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New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

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