2 year fixed 95% loan to value

Fixed until 30/04/2021

Early Repayment Charges apply.

This product may be withdrawn at any time.

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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.
booking fee
This fee must be paid when you apply for your mortgage.
no fee
initial rate
3.69% fixed to 30 April 2021
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 5.1% APRC

Product key features

Product related fees

There is 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 you borrow.

If you add the fee to your mortgage you will pay interest on the fee at the same rate as your mortgage.

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 value of £75,000 increasing to £250,000 for properties located within the M25 corridor.

The maximum loan to value of this product 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

During the fixed rate term you can make overpayments each year up to 10% of the original mortgage amount without incurring Early Repayment Charges. This includes in the event of redemption or switching your mortgage to another product.

The Early Repayment Charge will reduce each year during the fixed rate product term, starting at 2% of the amount repaid until 30 April 2020 and 1% until 30 April 2021.

Mortgage tariff of charges

Our mortgage tariff of charges shows the fees and charges that apply during your mortgage term.

Representative example

A mortgage of £189,000 payable over 30 years initially on a fixed rate to 30 April 2021, currently 3.69% and then our SVR, currently 5.24% for the remaining term would require an initial payment of £892.72 followed by 26 monthly payments of £873.46 and 333 monthly payments of £1,036.98.

The total amount payable would be £369,492.02 made up of the loan amount plus interest (£179,917.02), a mortgage arrangement fee of £999, a mortgage valuation fee of £275, legal fees of £150, a telegraphic transfer fee of £25 and mortgage exit fees of £125.

The overall cost for comparison is 5.1% APRC representative.

Laurence, our Mortgage Adviser is here to help 0121 557 2551* Contact Us
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Your home may be repossessed if you do not keep up repayments on your mortgage.