3 year discount 95% loan to value

Discounted for 3 years

This product may be withdrawn at any time.

arrangement fee
This can be paid up-front or added to the mortgage. Bear in mind that if you add the fee to your mortgage, you'll pay interest on it at the same rate as your mortgage and as a result will pay more interest over the term of your mortgage.
no fee
booking fee
This fee must be paid when you apply for your mortgage.
no fee
initial rate
1.70% discount from our Standard Variable Rate for 3 years
followed by our SVR
Our Standard Variable Rate (or SVR) reflects our cost of lending using a number of factors, including the Bank of England Base Rate. As the SVR is a variable rate it can change at any time.
the overall cost for comparison is 4.8% APRC

Product key features

Product incentives

Fees assisted legals: We'll cover the costs of any standard legal fees involved. You will have to pay any non-standard costs and you'll be advised if any should apply. If you choose to use our own conveyancers they'll only act for us and not for you during the remortgage transaction. If you need to add or remove a name on the mortgage you must appoint your own solicitors, and you'll receive £150 cashback towards your costs.

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 3.29%.

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 £2,290.87 followed by 36 monthly payments of £2,251.97 and 215 monthly payments of £2,571.61.

The total amount payable would be £636,692.94 made up of the mortgage amount plus interest (£236,257.94) 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 4.8% APRC representative.

Gail, from our mortgage team is here to help 0121 557 2551* Contact Us
Our lines are open:
Monday - Tuesday09:00 - 17:00
Wednesday09:30 - 17:00
Thursday - Friday09:00 - 17:00
Saturday09:00 - 12:00
*Calls from landlines are charged at the standard rate. Calls from mobiles may vary.

Happy to help you...

  • Book an appointment
  • Discuss your remortgage with us
  • Answer your remortgage questions
  • Find a new mortgage

Our mortgage customers say...

"I sat down with a Mortgage Adviser who listened to my needs and recommended a suitable product for me, they were very friendly and had a personal approach which gave me peace of mind." Mrs Main
Mortgage customer read more

Our mortgage customers say...

"At the Tipton I like that you are spoken to in plain English, there isn't loads of mortgage jargon, making it easy to understand." Miss Savell-Boss
Mortgage customer read more

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