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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 | |||||||||
| 1.80% 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 |
|
3.68% Fixed for 2 years (£500 Cashback) |
95% | £0 | 2 years | 2% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.6% | 5.79% |
057FIX |
| 3.99% Fixed for 2 years (£1,500 Cashback) | 95% | £0 | 2 years | 2% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.6% | 5.79 | 059FIX |
| 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 |
| 2.18% 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* |
4.5% | 5.79% | 055FIX |
| 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 |
|
3.99% Fixed for 5 years (£500 Cashback) |
95% | £0 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.2% | 5.79% | 058FIX |
| 4.15% Fixed for 5 years (1,500 Cashback) | 95% | £0 | 5 years | 5% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.3% | 5.79% | 060FIX |
| Discount for Purchases & Remortgages | |||||||||
| 1.29% Variable for 2 Years, MVR with a discount of 4.50% |
60% | £999 | 2 years | 2% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.2% | 5.79% | DS318 |
| 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;
|
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 |
| 3.14% 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% | FBTL33 |
| 3.99% 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* |
5.4% | 5.79% | FBTL32 |
| 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 |
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 |
| 3.84% Variable for 2 Years, MVR with a discount of 1.95% |
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% | HLET004 |
| 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 |
| 3.99% 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% | FRHL08 |
| 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 |
| 4.49% 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* |
5.6% | 5.79% | FRHL12 |
| 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)
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Maximum residential loan limits are subject to the following LTV brackets |
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