PRODUCT CODE - 026FIX

This is a 4.50% 5 year fixed rate mortgage.  A 5% deposit is required.

This mortgage is available for house purchases only.

£1,500 Cashback payable on completion.

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, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years. 

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

Representative Example

A mortgage of £142,500 payable over 25 years initially on a fixed rate for 5 years at 4.50% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £792.31 and 240 monthly payments of £864.31.

The total amount payable would be £255,443 made up of the loan amount plus interest (£254,953) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £245.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 028FIX

This is a 1.75% 2 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £185,000 payable over 25 years initially on a discounted rate for 2 years at 1.75% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £767.14 and 276 monthly payments of £1,117.78.

The total amount payable would be £327,448.64 made up of the loan amount plus interest (£325,648.64) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 020FIX

This is a 2.18% 3 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 3 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £160,000 payable over 25 years initially on a discounted rate for 3 years at 2.18% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £696.79 and 264 monthly payments of £958.14.

The total amount payable would be £278,528.40 made up of the loan amount plus interest (£277,014.40) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.8% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 025FIX

This is a 3.08% 5 year fixed rate mortgage.  A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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,  4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a fixed rate for 5 years at 3.08% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £866.08 and 240 monthly payments of £1070.05.

The total amount payable would be £309,271.80 made up of the loan amount plus interest (£307,757.80) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.7% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 021FIX

This is a 2.63% 5 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 , 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years. 

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £160,000 payable over 25 years initially on a discounted rate for 5 years at 2.63% and then on our Mortgage Variable Rate (MVR) of 5.29% (variable) for the remaining 20 years would require 60 monthly payments of £733.06 and 240 monthly payments of £943.44.

The total amount payable would be £269,904.20 made up of the loan amount plus interest (£270,390.20) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.5% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 9FIX2

This is a 2.69% 2 year fixed rate mortgage.  A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 2 years at 2.69% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £830.78 and 276 monthly payments of £1096.18.

The total amount payable would be £322,979.40 made up of the loan amount plus interest (£321,214.40) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 009FIX

This is a 2.98% 3 year fixed rate mortgage.  A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 3 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year and 1% in the third . However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 3 years at 2.98% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £856.65 and 264 monthly payments of £1087.51.

The total amount payable would be £318,437.04 made up of the loan amount plus interest (£316,923.04) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - 029FIX

This is a 3.99% 2 year fixed rate mortgage.  A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

£500 Cashback payable on completion.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a fixed rate for 2 years at 3.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £817.53 and 276 monthly payments of £946.58.

The total amount payable would be £281,371.80 made up of the loan amount plus interest (£280,856.80) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.4% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

PRODUCT CODE - FBTL16

This is a 1.99% 2 year fixed rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £190,000 payable over 25 years initially on a fixed rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £317.64 and 276 monthly payments of £884.28.

The total amount payable would be £443,804.64 made up of the loan amount plus interest (£441,709.64) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FBTL17

This is a 2.49% 2 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years. 

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 2 years at 2.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £406.78 and 276 monthly payments of £905.05.

The total amount payable would be £456,126.52 made up of the loan amount plus interest (£454,581.52) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FBTL15

This is a 2.25% 3 year fixed rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 3 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV

Representative Example

A mortgage of £190,000 payable over 25 years initially on a fixed  rate for 3 years at 2.25% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £359.14 and 264 monthly payments of £884.28.

The total amount payable would be £438,498.96 made up of the loan amount plus interest (£436.403.96) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.1% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FBTL13

This is a 2.79% 2 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years. 

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

PRODUCT CODE - FBTL12

This is a 3.09% 3 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 3 years. This charge will be applied on a sliding scale of 3% in the first year, 2% in the second year and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years. 

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 3 years at 3.09% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £390.22 and 264 monthly payments of £699.62.

The total amount payable would be £350,782.60 made up of the loan amount plus interest (£348,772.60) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £195.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £195.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FBTL18

This is a 2.99% 5 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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,  4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.. 

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 5 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £489.10 and 240 monthly payments of £906.23.

The total amount payable would be £443,666.20 made up of the loan amount plus interest (£441,866.20) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.9% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FRHL01

This is a 2.59% 2 year fixed rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. 

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £165000 payable over 25 years initially on a fixed rate for 2 years at 2.59% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £356.13 and 276 monthly payments of £761.75.

The total amount payable would be £385,360.12 made up of the loan amount plus interest (£383,815.12) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

PRODUCT CODE - FRHL03

This is a 3.79% 2 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

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 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. 

If the product fee is added to the loan it must not exceed the maximum LTV.

Representative Example

A mortgage of £205,000 payable over 25 years initially on a fixed rate for 2 years at 3.79% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £650.74 and 276 monthly payments of £951.22.

The total amount payable would be £484,724.48 made up of the loan amount plus interest (£483,179.48) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on an interest only basis.