3 year discount 95% loan to value

Product incentives

Fees assisted legals: You have the choice of using our solicitors, where we'll cover the cost of any standard legal fees, or receiving £150 cashback towards your own solicitor's costs. You'll be advised of any non-standard costs that will apply. If you choose to use our solicitors, they'll only act for us and won't provide you with independent advice regarding the mortgage transaction.

Mortgage amounts

There is a minimum mortgage amount of £50,000.

This product offers a maximum mortgage amount of £250,000.

There is a minimum property valuation of £75,000 which increased to £250,000 for properties located within the M25 corridor.

The maximum loan to value available with this product is 95%.

Interest rate floor

The interest rate on this product is floored and cannot fall below 2.99%.

Mortgage repayment terms

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

Early Repayment Charges

No Early Repayment Charges apply.

Mortgage tariff of charges

The mortgage tariff of charges details the various fees and charges that may apply during the term of your mortgage.

Representative example

A mortgage of £400,000 payable over 21 years initially on a discounted variable rate for 3 years from inception, currently 3.54% (equal to a 1.70% discount from our SVR) and then our SVR, currently 5.24% for the remaining term would require an initial payment of £2,290.88 followed by 34 monthly payments of £2,251.97 and 217 monthly payments of £2,574.50.

The total amount payable would be £638,309.36 made up of the mortgage amount plus interest (£237,524.36) with a mortgage valuation fee of £635, a telegraphic transfer fee of £25 and mortgage exit fees of £125.

The overall cost for comparison is 4.9% APRC representative.