Moving home or need to remortgage?

· Purpose - Purchase and remortgage
· Loan to Value - Maximum 60%
· Fees:
- Application fee - £175 + Valuation Fee
- 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. 
Additional benefits:
- ^Cashback - £500 cashback on completion for remortgage applications
· Early Repayment Charges -  2% until 30/06/2022, 1% until 30/06/2023
· Maximum loan - No maximum.
· Minimum loan - £45,000
· Additional criteria – The mortgage must complete by 01/07/2021

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction. Find out more about these options here 
· Discount - 1.65% applied to our Managed Flexi Mortgage Rate for 2 years
· Minimum rate - 2.74% 
· Loan to Value - Maximum 60%
· Fees:
- Application fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
- Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. 
- ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
·Additional benefits:
- ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver.
· Maximum loan - No maximum.
· Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
· Early Repayment Charges -  2% in the first year, 1% in the second year
· Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases
· Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

· Purpose - Purchase and remortgage
· Discount - 1.45% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.84% 
· Loan to Value - Maximum 60%
· Fees:
- Application fee - £175 + Valuation Fee                      
- 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. 
Additional benefits:
- ^Cashback - £500 cashback on completion for remortgage applications
· Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year
· Maximum loan - No maximum.
· Minimum loan - £45,000
· Additional criteria – The mortgage must complete by 01/07/2021

· Purpose - Offset applications for purchase, remortgage, product switch and further advance · Options available - Term reduction or payment reduction. Find out more about these options here · Discount - 1.40% applied to our Managed Flexi Mortgage Rate for 2 years · Minimum rate - 2.99% · Loan to Value - Maximum 75%. · Fees: - Application fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees. - Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. - ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. ·Additional benefits: - ^Cashback - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. · Maximum loan - No maximum. · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Early Repayment Charges - 2% in the first year, 1% in the second year · Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases · Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

· Purpose - Purchase, remortgage, product switch and further advance 
· Loan to Value - Maximum 60%
· Fees:
- Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. 
- ^~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
· Maximum loan - No maximum.
· Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. 
· Additional benefits:
- ^Cashback - £500 cashback on completion for remortgage applications
· Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
· Additional criteria – The mortgage must complete by 01/07/2021

· Purpose - Purchase and remortgage
· Discount - 1.20% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 3.09% 
· Loan to Value -  Maximum 75%.
· Fees:
- Application fee - £175 + Valuation Fee                        
- 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. 
Additional benefits:
- ^Cashback - £500 cashback on completion for remortgage applications
· Early Repayment Charges -  3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024                        
· Maximum loan - No maximum.
· Minimum loan - £45,000
· Additional criteria – The mortgage must complete by 01/07/2021

· Purpose - Purchase, remortgage, product switch and further advance 
· Loan to Value - Maximum 75%
· Fees:
- Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees
- ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees
· Maximum loan - No maximum
· Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
· Additional benefits:
- ^Cashback - £500 cashback on completion for remortgage applications
· Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
· Additional criteria – The mortgage must complete by 01/07/2021