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Furness for Intermediaries - Product Matrix (Only for use by Mortgage Intermediaries)

Initial Rate Maximum LTV Fees Tie In period Early Repayment Charge Maximum Loan Size Incentives APRC Revert Rate (MVR) Product Code
 Fixed for Purchases & Remortgages
1.80% Fixed for 2 years 70% £1,250 2 year 2% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.3% 5.79% 052FIX
1.99% Fixed for 2 years 80% £1,250 2 year 2% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.3% 5.79% 056FIX
2.69% Fixed for 2 years 90% £1,250 2 year 2% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
 		 5.4% 5.79% 048FIX

3.08% Fixed for 2 years

 

 95% £0 2 years 3% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.4% 5.79%

063FIX
3.38% Fixed for 2 years (£1,000 Cashback) 95% £0 2 years 3% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79 064FIX
2.43% Fixed for 3 years 80% £1,250 3 years 3% in the first year then tiered** See Below*** Free Valuation for Remortgages Free Legals for Remortgages* 5.1% 5.79% 049FIX
2.34% Fixed for 5 years 70% £1,250 5 years 5% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 4.6% 5.79% 067FIX
2.58% Fixed for 5 years 80% £1,250 5 years 5% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 4.7% 5.79% 053FIX
2.78% Fixed for 5 years 90% £1,250 5 years 5% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 4.7% 5.79% 054FIX

3.38% Fixed for 5 years

 

 95% £0 5 years 5% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 4.9% 5.79% 065FIX
3.58% Fixed for 5 years (1,000 Cashback) 95% £0 5 years 5% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.0% 5.79% 066FIX
Discount for Purchases & Remortgages
1.55%
Variable for 2 Years,
MVR with a discount of 4.24%		 80% £999 2 years 2% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.2% 5.79% DS314
2.15%
Variable for 2 Years,
MVR with a discount of 3.64%		 80% £999 2 Years No ERC, unlimited overpayments allowed See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*		 5.3% 5.79% DS310
2.24%
Variable for 2 Years,
MVR with a discount of 3.55%		 90% £999 2 Years 2% in the first year then tiered** See Below*** free Valuation for Remortgages
Free Legals for Remortgages*		 5.3% 5.79% DS315
2.69%
Variable for 2 Years,
MVR with a discount of 3.10% with £500 Cashback		 95% No Fee 2  years 2% in the first year then tiered** See Below***

Free Valuation for Remortgages;
Free Legals for Remortgages*

 

 5.4% 5.79% DS316
2.19%
Variable for 2 years,
MVR with a discount of 3.60%		 80% No Fee 2 years 2% in the first year then tiered** See Below*** Remortgages
Free Legals for Remortgages*		 5.3% 5.79% DS313
2.99% Variable for 2 years 
MVR with a discount of 2.80% with £1,500 cashback		 95% No Fee 2 years 2% in the first year then tiered** See Below*** Remortgages
Free Legals for Remortgages*		 5.4% 5.79% DS317
 Unregulated Buy To Let Products for Purchases & Remortgages
2.09% Variable for 2 Years, MVR with a discount of 3.70% 65% £995 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% LET127
2.54% Variable for 2 Years, MVR with a discount of 3.25% 75% £995 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% LET129
2.39% Fixed for 2 years 65% £1,495 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% FBTL30
2.99% Fixed for 2 years 75% £1,495 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.6% 5.79% FBTL34

2.79% Fixed for 5 years 

 65% £1,495 5 years 5% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.0% 5.79% FBTL35
3.49% Fixed for 5 years 75% £1,495 5 years 5% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.3% 5.79% FBTL36
 Regulated Buy To Let Products for Purchases & Remortgages
3.65%
Variable for 2 Years,
MVR with a discount of 2.14%		 65% (including fee) £995 Fee (Added up to max LTV) 2  years 2% in the first year then tiered**  £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.7% 5.79% LET105
3.90%
Variable for 2 Years,
MVR with a discount of 1.89%		 75% (including fee) £995 Fee (Added up to max LTV) 2  years 2% in the first year then tiered**  £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.7% 5.79% LET110
 Consumer Buy to Let Products for Purchases & Remortgages
2.09% Variable for 2 years, MVR with a discount of 3.70% 65% (including fee) £1,250 Fee (Added up to max LTV) 2 years 2% in the first year then tiered**** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% CBTL08
2.54%
Variable for 2 Years,
MVR with a discount of 3.25%		 75% (including fee) £1,250 Fee (Added up to max LTV) 2  years 2% in the first year then tiered**** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% CBTL09
2.39% Fixed for 2 years  65% (including fee) £1,495 Fee (Added up to max LTV) 2 years 2% in the first year then tiered**** £500k Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% FCBTL01
2.99% Fixed for 2 years  75% (including fee) £1,495 Fee (Added up to max LTV) 2 years 2% in the first year then tiered**** £500k Free Valuation for Remortgages
Free Legals for Remortgages*		 5.6% 5.79% FCBTL02

Holiday Let Products for Purchases & Remortgages
2.49% Variable for 2 Years, MVR with a discount of 3.30% 65% (including fee) £995 Fee (Added up to max LTV) 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% HLET003
3.39%
Variable for 2 Years,
MVR with a discount of 2.40%		 75% (including fee) £995 Fee (Added up to max LTV) 2  years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.7% 5.79% HLET006
2.84% Fixed for 2 years 65% (including fee) £1,250 Fee (Added up to max LTV) 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.6% 5.79% FRHL06
3.59% Fixed for 2 years 75% (including fee) £1,250 Fee (Added up to max LTV) 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.7% 5.79% FRHL14
3.34% Fixed for 5 years 65% (including fee) £1,250 Fee (Added up to max LTV) 5 years  5% in the first year then tiered***** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.2% 5.79% FRHL13
4.19% Fixed for 5 years 75% (including fee) £1,250 Fee (Added up to max LTV) 5 years 5% in the first year then tiered***** £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% 5.79% FRHL15
Short Term Lending Products - Maximum term of 2 years & Maximum loan size of £500,000
4.24%
Variable for 2 Years,
MVR with a discount of 1.55%		 60%  £1,499 Fee  N/A ERC FREE £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.1% N/A STL001
4.99%
Variable for 2 Years,
MVR with a discount of 0.80%		 60%  £499 Fee  N/A ERC FREE £500K Free Valuation for Remortgages
Free Legals for Remortgages*		 5.5% N/A STL002

* Remortgage deals have free valuation to £1,000,000 (£665) Free legals are only available in England & Wales where a standard remortgage is taking place. Scottish cases we will contribute £150 towards legal fees.

** Please note that ERCs on products are Tiered. For example a 5 year product will have a 5% ERC in its first year, 4% ERC in its second year, 3% ERC in the third year, 2% in its fourth year and a 1% ERC in its fifth year.

*** Residential Loan Parameters

**** An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

***** An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 5% in the second year, 4% in the third year, 3% in the fourth year and 2% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

Minimum loan £30,000

Maximum loan £1,000,000 (higher by negotiation)

Maximum residential loan limits are subject to the following LTV brackets
  • Max LTV of 95% loans up to £500k
  • Max LTV of 90% loans up to £750k
  • Max LTV of 80% loans up to £800k
  • Max LTV of 70% loans up to £900k
  • Max LTV of 65% loans up to £1m

Only for use by Mortgage Intermediaries

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