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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 year | 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 year | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | 056FIX |
| 2.18% 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* |
4.1% | 5.14% | 081FIX |
| 2.48% 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* |
4.2% | 5.14% | 082FIX |
| Discounts for Purchases & Remortgages | |||||||||
| 1.59% variable for 2 years | 70% | £999 | 2 year | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | DS326 |
| 1.69% variable for 2 years | 80% | £999 | 2 year | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | DS327 |
| 2.19% variable for 2 years | 80% | £999 | 2 year | N/A | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.8% | 5.14% | DS328 |
| Unregulated Buy To Let Purchases & Remortgages | |||||||||
| 2.09% variable for 2 years | 65% | £995 | 2 year | 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 year | 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 year | 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 year | 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 year | 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 year | 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 year | 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 | |||||||||
| 2.49% 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* |
5.0% | 5.14% | HLET007 |
| 3.39% 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% | HLET008 |
| 2.84 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* |
5.0% | 5.14% | FRHL16 |
| 3.59% 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* |
5.1% | 5.14% | FRHL14 |
| 3.34% 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* |
4.8% | 5.14% | FRHL13 |
| 4.19% 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* |
5.0% | 5.14% | FRHL15 |
| Short Term Lending Purchases & Remortgages | |||||||||
| 4.99% variable for 2 years | 60% | £799 | 2 year | N/A | See Below*** | N/A | 5.40% | N/A | STL003 |
* 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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