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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 | |||||||||
|
1.19% fixed for 2 years (Repayment product) Minimum loan size - £150,000 |
60% | £1,499 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | 124FIX |
|
1.59% fixed for 2 years (Repayment product) |
60% | £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% | 115FIX |
|
1.79% fixed for 2 years (Repayment product) |
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% | 111FIX |
| 2.39% fixed for 2 years (Interest only product) | 70% | £1,250 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | 103FIX |
|
LA Postcode Exclusive 1.29% fixed for 2 years (Repayment product) |
75% | £999 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | 125FIX |
|
1.29% fixed for 2 years (Repayment product) Minimum loan size - £150,000 |
75% | £1,499 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | 126FIX |
| 1.99% fixed for 2 years (Repayment product) | 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% | 123FIX |
|
LA Postcode Exclusive 3.39% fixed for 2 years (Repayment product) |
90% | £0 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | 109FIX |
|
3.69% fixed for 2 years (Repayment product) |
90% | £999 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | 114FIX |
|
LA Postcode Exclusive 3.89% fixed for 3 years (Repayment product) |
90% | £0 | 3 years | 4% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.9% | 5.14% | 099FIX |
|
LA Postcode Exclusive 3.99% fixed for 2 years (Repayment product) |
95% | £0 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | 116FIX |
| 2.19% fixed for 5 years (Repayment product) | 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% | 120FIX |
| 2.89% fixed for 5 years (Interest only product) | 70% | £1,250 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | 106FIX |
| 2.49% fixed for 5 years (Repayment product) | 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% | 121FIX |
| 3.49% fixed for 5 years (Repayment product) | 90% | £999 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.6% | 5.14% | 122FIX |
| Discount for Purchases & Remortgages | |||||||||
| 1.59% variable for 2 years | 80% | £999 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | DS335 |
| 1.99% variable for 2 years (Fee Free) | 80% | £0 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | DS336 |
| 1.89% variable for 2 years (ERC Free) | 80% | £999 | 2 years | N/A | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
4.7% | 5.14% | DS337 |
| Buy To Let Purchases & Remortgages | |||||||||
| 2.69% fixed for 2 years for Unregulated BTLs | 65% | £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% | FBTL46 |
| 3.19% fixed for 2 years for Unregulated BTLs | 75% | £1,495 | 2 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.1% | 5.14% | FBTL47 |
| 2.89% variable for 2 years for Unregulated BTLs | 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% | LET137 |
| 2.69% fixed for 2 years for Consumer BTLs | 65% | £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% | FCBTL07 |
| 3.19% fixed for 2 years for Consumer BTLs | 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% | FCBTL08 |
| 3.25% variable for 2 years for Regulated BTLs | 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% | REGL01 |
| 3.45% variable for 2 years for Regulated BTLs | 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% | REGL02 |
| Holiday Let Purchases & Remortgages | |||||||||
| 3.19% 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% | HLET010 |
| 3.59% 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% | FRHL22 |
| 3.59% 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% | HLET011 |
| 3.99% 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% | FRHL23 |
| Short Term Lending Purchases & Remortgages | |||||||||
| 4.99% variable for 2 years | 60% | £999 | 2 years | N/A | See Below*** | N/A | 5.50% | N/A | STL005 |
* 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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