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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 rates for Purchases & Remortgages
1.75%  Fixed for 2 years 80% £1,250 2 years 2% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.00% 5.54% 028FIX
2.18%  Fixed for 3 years 80% £999 3 years 3% in the first year then tiered** See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
4.80% 5.54% 020FIX
2.69% Fixed for 2 years 90% £1,250 2  years 2% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.20% 5.54% 9FIX2
2.98% Fixed for 3 years  90% £999 3 years 3% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.00% 5.54% 009FIX
2.63% Fixed for 5 years  80% £999 5 years 5% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
4.50% 5.54% 021FIX
3.08% Fixed for 5 years  90% £999 5 years 5% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
4.70 5.54% 025FIX
3.99% Fixed for 2 years 95% No Fee 2 years 2% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.40% 5.54% 029FIX
4.50% Fixed for 5 years (First Time Buyer purchase only) 95% No fee 5 years 5% in the first year then tiered** See Below*** N/A 5.30% 5.54% 026FIX
 Discount for Purchases & Remortgages
1.24% Variable for 2 Years, MVR with a discount of 4.30% 75% £999 2 years 2% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
4.80% 5.54% DS303
1.49%
Variable for 2 Years,
MVR with a discount of 4.05%
80% £999 2 years 2% in the first year then tiered**  See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.0% 5.54% DS296
1.90%
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*
4.80% 5.54% DS301
2.04%
Variable for 2 Years,
MVR with a discount of 3.50%
90% £995 2 Years 2% in the first year then tiered** See Below*** free Valuation for Remortgages
Free Legals for Remortgages*
5.10% 5.54% DS302
3.49%
Variable for 2 Years,
MVR with a discount of 2.05%
95% No Fee 2  years 2% in the first year then tiered** See Below*** Free Valuation for Remortgages;
Free Legals for Remortgages*
5.30% 5.54% DS305
1.94%
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*
5.0% 5.54% DS297
Tracker Products for Purchases & Remortgages
1.54%
Tracker for 2 Years,
BBR plus 1.04%
70% £999 2 years 2% in the first
year then
tiered**
See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.0% 5.54% 2FLX5
1.69%
Tracker for 2 Years,
BBR plus 1.19%
80% £999 2 years 2% in the first
year then
tiered**
See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.0% 5.54% 2FLX3
2.04%
Tracker for 2 Years,
BBR plus 1.54%
80% No Fee 2 years 2% in the first
year then
tiered**
See Below*** Free Valuation for Remortgages
Free Legals for Remortgages*
5.00% 5.54% 2FLX4
 Unregulated Buy To Let Products for Purchases & Remortgages
2.05% Variable for 2 Years, MVR with a discount of 3.49% 65% £995 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*
5.20% 5.54% LET119
1.99% 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*
5.30% 5.54% FBTL16
2.25% Fixed for 3 years 65% £1,495 3 years 3% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*
 
5.10% 5.54% FBTL15
2.19% Variable for 2 Years, MVR with a discount of 3.35% 75% £995 2 Years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*
5.30% 5.54% LET124
2.49% Fixed for 2 years 75% £995 2 years 2% in the first year then tiered** £500K Free Valuation for Remortgages
Free Legals for Remortgages*
5.30% 5.54% FBTL17
3.09% Fixed for 3 years 75% £1,495 3 years 3% in the first year then tiered**
 
£500K Free Valuation for Remortgages
Free Legals for Remortgages*


 
5.30% 5.54% FBTL12
2.99% Fixed for 5 years 75% £1,250 5 years 5% in the first year then tiered** £500K Remortgages
Free Legals for Remortgages
4.90% 5.54% FBTL18
 Regulated Buy To Let Products for Purchases & Remortgages
3.40%
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*
5.40% 5.54% LET105
3.65%
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*
5.50% 5.54% LET110
 Consumer Buy to Let Products for Purchases & Remortgages
2.80% Variable for 2 years, MVR with a discount of 2.74% 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*
5.30% 5.54% CBTL06
3.39%
Variable for 2 Years,
MVR with a discount of 2.15%
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*
5.40% 5.54% CBTL3

Holiday Let Products for Purchases & Remortgages
2.74% Variable for 2 Years, MVR with a discount of 2.8% 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*
5.40% 5.54% LET120
2.59% Fixed for 2 years 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*
5.30% 5.54% FRHL01
3.60%
Variable for 2 Years,
MVR with a discount of 1.94%
70% (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*
5.50% 5.54% LET115
3.95%
Variable for 2 Years,
MVR with a discount of 1.59%
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*
5.50% 5.54% LET123
3.79% Fixed for 2 years 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
5.50% 5.54% FRHL03
Short Term Lending Products - Maximum term of 2 years & Maximum loan size of £500,000
4.99%
Variable for 2 Years,
MVR with a discount of 0.55%
60% (including fee) £1,499 Fee (Added up to max LTV) N/A ERC FREE £500K N/A 6.30% N/A BRF05
5.79%
Variable for 2 Years,
MVR plus 0.25%
60% (including fee) £499 Fee (Added up to max LTV) N/A ERC FREE £500K N/A 6.60% N/A BRF06

* 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

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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