| 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 | |||||||||
| 2.39% 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* |
5.20% | 5.54% | 039FIX |
| 2.28% 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* |
4.90% | 5.54% | 034FIX |
| 3.49% 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* |
5.40% | 5.54% | 040FIX |
| 3.35% Fixed for 3 years | 90% | £1,250 | 3 years | 3% in the first year then tiered** | See Below*** | Free Valuation for Remortgages Free Legals for Remortgages* |
5.20% | 5.54% | 035FIX |
| 2.94% 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* |
4.70% | 5.54% | 036FIX |
| 3.38% 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* |
4.80 | 5.54% | 037FIX |
|
4.49% Fixed for 2 years with £500 Cashback |
95% | No Fee | 2 years | 2% in the first year then tiered** | See Below*** |
Free Valuation for Remortgages
|
5.50% | 5.54% | 041FIX |
|
4.79% Fixed for 5 years with £1,500 Cashback (Purchase only) |
95% | No fee | 5 years | 5% in the first year then tiered** | See Below*** | N/A | 5.40% | 5.54% | 038FIX |
| Discount for Purchases & Remortgages | |||||||||
| 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 |
| 2.30% Variable for 2 Years, MVR with a discount of 3.24% |
90% | £999 | 2 Years | 2% in the first year then tiered** | See Below*** | free Valuation for Remortgages Free Legals for Remortgages* |
5.10% | 5.54% | DS308 |
| 2.99% Variable for 2 Years, MVR with a discount of 2.55% with £300 Cashback |
95% | No Fee | 2 years | 2% in the first year then tiered** | See Below*** |
Free Valuation for Remortgages;
|
5.20% | 5.54% | DS306 |
| 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 | |||||||||
| 1.84% 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* |
5.20% | 5.54% | LET125 |
| 2.19% Fixed for 2 years | 65% | £1,250 | 2 years | 2% in the first year then tiered** | £500K | Free Valuation for Remortgages Free Legals for Remortgages* |
5.30% | 5.54% | FBTL19 |
| 2.39% 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% | FBTL21 |
| 1.99% Variable for 2 Years, MVR with a discount of 3.55% | 75% | £995 | 2 Years | 2% in the first year then tiered** | £500K | Free Valuation for Remortgages Free Legals for Remortgages* |
5.20% | 5.54% | LET126 |
| 2.85% Fixed for 2 years | 75% | £1,250 | 2 years | 2% in the first year then tiered** | £500K | Free Valuation for Remortgages Free Legals for Remortgages* |
5.40% | 5.54% | FBTL20 |
| 3.29% 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% | FBTL22 |
| 3.99% Fixed for 5 years | 75% | £1,250 | 5 years | 5% in the first year then tiered** | £500K | Remortgages Free Legals for Remortgages |
5.20% | 5.54% | FBTL24 |
| 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 |
|||||||||
| 2.24% 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* |
5.30% | 5.54% | HLET001 |
| 3.09% 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* |
5.40% | 5.54% | FRHL04 |
| 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% | HLET002 |
| 4.09% 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% | FRHL05 |
| 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)
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Maximum residential loan limits are subject to the following LTV brackets |
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