monthy repayment
A guide to what your client can expect their monthly repayment to be on this product
£502.91
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.
£499
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% discount from our SVR until 30 September 2025
2.34%
followed by our SVR 5.89%
The overall cost for comparison is 5.1% APRC

Discounted until 30/09/2025 . Early Repayment Charges apply. . This product may be withdrawn at any time.

Product key features

Product related fees

There is an arrangement fee of £499. This fee can be paid up front by deducting the fee from the mortgage amount or added to the amount borrowed. If your client chooses to add the fee to their mortgage, they will pay interest on the fee at the same rate as their mortgage.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Product incentives

£250 cashback is paid upon completion of the mortgage.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 

Mortgage amounts

There is a minimum mortgage amount of £100,000.

This product has a maximum mortgage amount of £600,000.

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

The maximum loan to value is 85%.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Interest rate floor

The interest rate is discounted from our Standard Variable Rate and cannot fall below 2.34%.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgage repayment terms

The minimum repayment term is 5 years and the maximum repayment term is 40 years.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Early Repayment Charges

Early Repayment Charges apply during the product term. Up to 10% of the original mortgage amount can be overpaid each year without charge, however, if the mortgage is redeemed or switched to another product during the product term, then the Early Repayment Charge will apply.

The Early Repayment Charge will be calculated at:

  • 4% of the amount repaid until 30 September 2022;
  • 3% of the amount repaid until 30 September 2023;
  • 2% of the amount repaid until 30 September 2024; and
  • 1% of the amount repaid until 30 September 2025.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We are happy to help you...

  • Help you understand our criteria
  • Discuss your clients circumstances
  • Find the best mortgage for you
  • Answer any questions
Faye is here to help you with your case 0121 521 4000*
Our lines are open:
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Your home may be repossessed if you do not keep up repayments on your mortgage.