2 year fixed 95% LTV [FE115]

Fixed until 30/04/2021

Early Repayment Charges apply.

This product may be withdrawn at any time.

arrangement fee
This fee can be paid upfront or added to the mortgage amount. If the fee is added to the mortgage then interest will be payable on the fee at the same rate as the mortgage.
booking fee
This fee must be paid on application. We are unable to accept payment of the fee by credit card.
no fee
initial rate
3.55% fixed until 30 April 2021
followed by our SVR 5.24%
The overall cost for comparison is 5.1% APRC

Product key features

Product availability

This is a semi-exclusive product and applications are accepted within England and Wales from members of our key panel of mortgage networks and clubs.


Enhanced criteria

Enhanced criteria level 3 restrictions apply. No status 2 or greater recorded on credit file within 12 months prior to application.

Mortgage amounts

There's a minimum mortgage amount of £50,000 and a maximum mortgage amount of £250,000.

There's a minimum property value of £75,000 which increases to £250,000 for properties located within the M25 corridor.

The maximum loan to value is 95%.

Mortgage repayment terms

The minimum repayment term is 5 years and the maximum repayment term is 35 years.

Early Repayment Charges

Up to 10% of the original mortgage amount can be repaid each year without charge. If the mortgage is redeemed or switched to another product during the discount rate product term then an Early Repayment Charge will apply.

The Early Repayment Charge will be calculated at:

  • 2% of the amount repaid until 30 April 2020; and
  • 1% of the amount repaid until 30 April 2021.
Product related fees

There's an arrangement fee of £999. This fee can be paid up front by deducting the fee from the amount borrowed. Alternatively the fee can be added to the mortgage amount.

If the fee is added to the mortgage your client will pay interest on the fee at the same rate as the mortgage.

Alex is here to make lending easy 0121 521 4045* Getting in touch
Our lines are open:
Monday - Friday9:00 - 17:00
Saturday - SundayClosed
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We're here to...

  • Answer your questions
  • Discuss a new case
  • Help with our criteria
  • Discuss your existing cases

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