2 year fixed 95% LTV [F446]

Fixed until 31/10/2020

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This product may be withdrawn at any time.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.
£999
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
3.69% fixed rate to 31 October 2020
3.69%
followed by our SVR 4.99%
The overall cost for comparison is 4.9% APRC
 

Product key features

Product related fees

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

If your client adds the fee to their mortgage they will pay interest on the fee at the same rate as their mortgage.

Mortgage amounts

The minimum mortgage amount is £50,000 and the maximum mortgage amount is £250,000.

The minimum property value is £75,000 increasing to £250,000 for properties located within the M25 corridor.

The maximum loan to value is 95% of the purchase price or valuation, whichever is lower.

 

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 overpaid each year without charge. Payments in excess of 10% will incur an Early Repayment Charge.

In addition, 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% until 31 October 2019; and
  • 1% until 31 October 2020.
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Your home may be repossessed if you do not keep up repayments on your mortgage.