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| 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 | |||||||||
| 1.89% fixed for 2 years | 70% | £1,250 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | 068FIX |
| 1.99% fixed for 2 years | 80% | £1,250 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | 056FIX |
|
LA Postcode Exclusive for First Time Buyers 3.29 fixed for 2 years |
90% | £0 | 2 years | 3% in the first year then tiered** | See Below*** | N/A | 4.9% | 5.14% | 088FIX |
| 2.38% 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* |
4.2% | 5.14% | 061FIX |
| 2.68% 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* |
4.3% | 5.14% | 087FIX |
|
LA Postcode Exclusive for First Time Buyers 3.49 fixed for 5 years |
90% | £0 | 5 years | 5% in the first year then tiered** | See Below*** | N/A | 4.6% | 5.14% | 089FIX |
| Unregulated Buy To Let Purchases & Remortgages | |||||||||
| 2.09% variable for 2 years | 65% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | LET132 |
| 2.54% variable for 2 years | 75% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.0% | 5.14% | LET133 |
| 2.29% fixed for 2 years | 65% | £1,495 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | FBTL41 |
| 2.79% fixed for 2 years | 75% | £1,495 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.0% | 5.14% | FBTL42 |
| 2.79% fixed for 5 years | 65% | £1,495 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | FBTL35 |
| 3.39% fixed for 5 years | 75% | £1,495 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.8% | 5.14% | FBTL43 |
| Regulated (Family) Buy To Let Purchases & Remortgages | |||||||||
| 3.65% variable for 2 years | 65% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | LET134 |
| 3.95% variable for 2 years | 75% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | LET135 |
| Consumer Buy To Let Purchases & Remortgages | |||||||||
| 2.09% variable for 2 years | 65% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | CBTL17 |
| 2.54% variable for 2 years | 75% | £995 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.0% | 5.14% | CBTL18 |
| 2.29% fixed for 2 years | 65% | £1,495 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | FCBTL03 |
| 2.79% fixed for 2 years | 75% | £1,495 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.0% | 5.14% | FCBTL04 |
| Holiday Let Purchases & Remortgages | |||||||||
| 3.29% fixed for 2 years | 65% | £1.250 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | FRHL18 |
| 3.89% fixed for 2 years | 75% | £1,250 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.2% | 5.14% | FRHL19 |
| 3.69% fixed for 5 years | 65% | £1,250 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | FRHL20 |
| 4.29% fixed for 5 years | 75% | £1,250 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | FRHL21 |
| Short Term Lending Purchases & Remortgages | |||||||||
| 5.99% variable for 2 years | 60% | £999 | 2 years | N/A | See Below*** | N/A | 6.50% | N/A | STL004 |
* 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)
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Maximum residential loan limits are subject to the following LTV brackets |
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