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2 Year Fixed Rate – DIX282

Term 2 years
Initial Rate1 6.54%
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, £800 Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

2 Year Fixed Rate – DIX281

Term 2 years
Initial Rate1 5.75%
Overall Cost For Comparison2 6.8% APRC
MAX LTV3 80%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, £800 Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

House Purchase Only 2 Year Fixed Rate – DIX280

Term 2 years
Initial Rate1 6.74%
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 Over 90% and up to 95%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

2 Year Discounted Variable Rate – DID177

Term 2 years
Initial Rate1 4.50% variable
Overall Cost For Comparison2 6.4% APRC
MAX LTV3 70%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

2 Year Discounted Variable Rate House Purchase Only – DID176

Term 2 years
Initial Rate1 5.49% variable
Overall Cost For Comparison2 6.8% APRC
MAX LTV3 over 90% and up to 95%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

2 Year Discounted Variable Rate – DID175

Term 2 years
Initial Rate1 4.95% variable
Overall Cost For Comparison2 6.7% APRC
MAX LTV3 80%
Early Repayment Charge nil
Product Fees £199 application fee, £1,800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

2 Year Discounted Variable Rate – DID174

Term 2 years
Initial Rate1 4.75% variable
Overall Cost For Comparison2 6.5% APRC
MAX LTV3 80%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

Residential 3 Year Fixed Rate – DIX75A

Term 3 Years
Initial Rate1 5.35%
Overall Cost For Comparison2 7.9% APRC
MAX LTV3 85%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £87,835.10 payable over 32 years initially on a fixed rate of 5.35% for 3 years and then on our current standard variable rate of 8.49% for the remaining 29 years would require 36 monthly payments of £478.25 and 348 monthly payments of £653.86.

The total amount payable would be £244,885.28 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £157,050.18.

The overall cost for comparison is 7.9% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Residential 3 Year Discounted Variable Rate – DID82A

Term 3 Years
Initial Rate1 4.70% Variable
Overall Cost For Comparison2 7.8% APRC
MAX LTV3 85%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £87,835.10 payable over 32 years initially on a discounted variable rate of 4.70% for 3 years and then on our current standard variable rate of 8.49% for the remaining 29 years would require 36 monthly payments of £442.69 and 348 monthly payments of £650.51.

The total amount payable would be £242,439.32 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £154,604.22.

The overall cost for comparison is 7.8% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Holiday Buy to Let 3 Year Discounted Variable Rate – DIB26A

Term 3 Years
Initial Rate1 5.65% Variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £138,849.83 payable over 30 years initially on a variable rate of 5.65% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £801.49 and 324 monthly payments of £1048.37.

The total amount payable would be £368,650.52 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £229,800.69.

The overall cost for comparison is 8.0% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Expat Buy to Let 3 Year Discounted Variable Rate – DIB25A

Term 3 Years
Initial Rate1 5.65 Variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £138,849.83 payable over 30 years initially on a variable rate of 5.65% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £801.49 and 324 monthly payments of £1048.37.

The total amount payable would be £368,650.52 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £229,800.69.

The overall cost for comparison is 8.0% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Buy to Let 3 Year Discounted Variable Rate – DIB24A

Term 3 Years
Initial Rate1 5.65% Variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 3% in year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £138,849.83 payable over 30 years initially on a discounted variable rate of 5.65% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £801.49 and 324 monthly payments of £1048.37.

The total amount payable would be £368,650.52 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £229,800.69.

The overall cost for comparison is 8.0% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Buy to Let 3 Year Discounted Variable Rate – DIB23A

Term 3 Years
Initial Rate1 5.49% Variable
Overall Cost For Comparison2 7.8% APRC
MAX LTV3 80%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £147,517.48 payable over 24 years initially on a discounted variable rate of 5.49% for 3 years and then on our current standard variable rate of 8.49% for the remaining 21 years would require 36 monthly payments of £922.72 and 252 monthly payments of £1174.02.

The total amount payable would be £329,195.96 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £181,678.48.

The overall cost for comparison is 7.8% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Family Buy to Let 3 Year Discounted Variable Rate – DIB08R

Term 3 Years
Initial Rate1 5.55% Variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £138,849.83 payable over 30 years initially on a variable rate of 5.55% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £792.74 and 324 monthly payments of £1047.56.

The total amount payable would be £368,073.08 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £229,223.25.

The overall cost for comparison is 8.0% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Versatility Plus – 2 Year Fixed Rate – CPXV15

Term 2 years
Initial Rate1 6.75%
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 80%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

 

Versatility – 2 Year Discounted Variable Rate – MPDV15

Term 2 years
Initial Rate1 6.25% variable
Overall Cost For Comparison2 6.9% APRC
MAX LTV3 Over 80% and up to 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

Versatility – 2 Year Fixed Rate – MPXV16

Term 2 years
Initial Rate1 6.75%
Overall Cost For Comparison2 7.1% APRC
MAX LTV3 Over 80% and up to 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

 

Versatility – 2 Year Discounted Variable Rate – MPDV14

Term 2 years
Initial Rate1 5.80% variable
Overall Cost For Comparison2 6.8% APRC
MAX LTV3 80%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

 

Versatility – 2 Year Fixed Rate – MPXV14

Term 2 years
Initial Rate1 6.39%
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 80%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

 

Versatility Plus – 2 Year Discounted Variable Rate – CPDV15

Term 2 years
Initial Rate1 6.25% variable
Overall Cost For Comparison2 6.9% APRC
MAX LTV3 80%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, £800 Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

 

Shared Ownership 2 Year Fixed Rate – SX-037

Term 2 years
Initial Rate1 5.99%
Overall Cost For Comparison2 6.9% APRC
MAX LTV3 95% of the share being purchased, 75% property value
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £81,000.00 payable over 40 years initially on a fixed rate of 5.99% for 2 years then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.49%) giving a rate of 6.75% variable for the remaining 38 years would require 23 monthly payments of £445.33 and 456 monthly payments of £487.77; plus one initial interest payment of £412.08.

The total amount payable would be £233,577.79 made up of the loan amount, plus interest and fee(s) totalling £152,577.79. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.9% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Shared Ownership Fixed Rate until 31 July 2030 – SX-040

Term Until 31 July 2030
Initial Rate1 5.39%
Overall Cost For Comparison2 6.3% APRC
MAX LTV3 95% of the share being purchased, 75% property value
Early Repayment Charge 3% until 31 July 2028, 2% until 31 July 2029, 1% until 31 July 2030
Product Fees None

A mortgage of £99,750.00 payable over 25 years initially on a fixed rate of 5.39% until 31 July 2030 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.49%) giving a rate of 6.75% variable for the remaining 19 years 7 months would require 64 monthly payments of £606.98 and 235 monthly payments of £675.91; plus one initial interest payment of £456.64.

The total amount payable would be £198,642.21 made up of the loan amount, plus interest and fee(s) totalling £98,892.21. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.3% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

2 Year Discounted Variable Rate Buy to Let – DIB091

Term 2 years
Initial Rate1 5.19% variable
Overall Cost For Comparison2 7.9% APRC
MAX LTV3 75%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £1,499 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095

Term 2 years
Initial Rate1 5.84% variable
Overall Cost For Comparison2 8.1% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, £999 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094

Term 2 years
Initial Rate1 5.25% variable
Overall Cost For Comparison2 8.2% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, 2% completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

2 Year Discounted Variable Rate Holiday Buy to Let – DIB087

Term 2 years
Initial Rate1 5.59% variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £1,499 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

Family Buy to Let 2 Year Discounted Variable Rate – DIB097

Term 2 years
Initial Rate1 5.15% variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £999 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

 

Expat Buy to Let 2 Year Discounted Variable Rate – DIB093

Term 2 years
Initial Rate1 5.58% variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £999 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

2 Year Discounted Variable Rate – DID171

Term 2 years
Initial Rate1 5.24% variable
Overall Cost For Comparison2 6.7% APRC
MAX LTV3 over 80% and up to 90%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, £800 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 6.75% £1,675.00 £2,012.50 £2,687.50

2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096

Term 2 years
Initial Rate1 5.55% variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, £999 completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071

Term 2 years
Initial Rate1 4.79% variable
Overall Cost For Comparison2 8.1% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, 2.50% completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

Credit Repair – Fixed until 31 July 2030 – RCX006

Term Fixed until 31 July 2030
Initial Rate1 6.39%
Overall Cost For Comparison2 6.9% APRC
MAX LTV3 70%
Early Repayment Charge 3% until 31 July 2028, 2% until 31 July 2029, 1% until 31 July 2030
Product Fees £199 Application Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

Credit Repair – 2 Year Fixed Rate – RCX003

Term 2 years
Initial Rate1 7.09%
Overall Cost For Comparison2 8.5% APRC
MAX LTV3 70%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

Credit Repair – 2 Year Fixed Rate – RCX004

Term 2 years
Initial Rate1 6.99%
Overall Cost For Comparison2 8.6% APRC
MAX LTV3 70%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, £800 Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan, subject to the maximum 70% LTV. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

 

Credit Repair – 2 Year Discounted Variable Rate – RCV003

Term 2 years
Initial Rate1 6.45% variable
Overall Cost For Comparison2 8.4% APRC
MAX LTV3 70%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

Credit Repair – 2 Year Discounted Variable Rate – RCV004

Term 2 years
Initial Rate1 6.35% variable
Overall Cost For Comparison2 8.4% APRC
MAX LTV3 70%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 Application Fee, £800 Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
  • The Completion Fee can be paid before completion or added to the loan, subject to the maximum 70% LTV. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£1,000 8.49% £1,849.00 £2,273.50 £3,122.50

 

Further Advance Residential 2 Year Fixed Rate – DXF014

Term 2 Years
Initial Rate1 5.39%
Overall Cost For Comparison2 8.4% APRC
MAX LTV3 90%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £150 Completion Fee
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£150 8.49% £277.35 £341.02 £468.37

Further Advance Residential 2 Year Discounted Variable Rate – DDF015

Term 2 Years
Initial Rate1 4.95% Variable
Overall Cost For Comparison2 8.1% APRC
MAX LTV3 Up to 90%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £150 Completion Fee
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£150 8.49% £277.35 £341.02 £468.37

Further Advance: Residential Discounted Variable Rate For Mortgage Term – DDF013

Term Duration of the mortgage term
Initial Rate1 6.75% Variable
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 90%
Early Repayment Charge None
Product Fees £150 Completion Fee
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£150 8.49% £277.35 £341.02 £468.37

Further Advance Versatility – 2 Year Fixed Rate – CPXF06

Term 2 Years
Initial Rate1 6.49%
Overall Cost For Comparison2 8.5% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £150 Completion Fee
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£150 8.49% £277.35 £341.02 £468.37

Further Advance: Buy to Let Discounted Variable Rate For Mortgage Term – BTLFD3

Term Duration of the mortgage term
Initial Rate1 5.65% Variable
Overall Cost For Comparison2 5.8% APRC
MAX LTV3 80%
Early Repayment Charge None
Product Fees £150 Completion Fee
  • The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £150 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

Fee Amount
Rate
Value of the fee with interest at 10 years
Value of the fee with interest at 15 years
Value of the fee with interest at 25 years
£150 8.49% £277.35 £341.02 £468.37

Shared Ownership 3 Year Fixed Rate – SX-10P

Term 3 Years
Initial Rate1 5.75%
Overall Cost For Comparison2 8.1% APRC
MAX LTV3 95% of the share owned, 75% property value
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £63,792.85 payable over 35 years initially on a fixed rate of 5.75% for 3 years and then on our current standard variable rate of 8.49% for the remaining 32 years would require 36 monthly payments of £353.09 and 384 monthly payments of £469.59.

The total amount payable would be £193,158.80 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £129,365.95.

The overall cost for comparison is 8.1% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Residential 2 Year Fixed Rate – DIX66A

Term 2 Years
Initial Rate1 5.39%
Overall Cost For Comparison2 8.2% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £88,052.76 payable over 32 years initially on a fixed rate of 5.39% for 2 years and then on our current standard variable rate of 8.49% for the remaining 30 years would require 24 monthly payments of £481.67 and 360 monthly payments of £659.70.

The total amount payable would be £249,177.08 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £161,124.32.

The overall cost for comparison is 8.2% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Residential 3 Year Fixed Rate – DIX64A

Term 3 Years
Initial Rate1 5.85%
Overall Cost For Comparison2 8.1% APRC
MAX LTV3 Over 85% and up to 95%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £168,241.00 payable over 30 years initially on a fixed rate of 5.85% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £992.52 and 324 monthly payments of £1272.23.

The total amount payable would be £448,058.24 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £279,817.24.

The overall cost for comparison is 8.1% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

 

Residential 3 Year Discounted Variable Rate – DID78A

Term 3 Years
Initial Rate1 5.63% Variable
Overall Cost For Comparison2 8.0% APRC
MAX LTV3 Over 85% and up to 95%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees None

A mortgage of £168,241.00 payable over 30 years initially on a discounted variable rate of 5.63% for 3 years and then on our current standard variable rate of 8.49% for the remaining 27 years would require 36 monthly payments of £969.02 and 324 monthly payments of £1270.13.

The total amount payable would be £446,531.84 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £278,290.84.

The overall cost for comparison is 8.0% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Versatility – 2 Year Fixed Rate – CPXR10

Term 2 Years
Initial Rate1 6.49%
Overall Cost For Comparison2 8.4% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £154,514.14 payable over 27 years initially on a fixed rate of 6.49% for 2 years and then on our current standard variable rate of 8.49% for the remaining 25 years would require 24 monthly payments of £1011.94 and 300 monthly payments of £1206.95.

The total amount payable would be £386,496.56 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £231,982.42.

The overall cost for comparison is 8.4% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Versatility – 2 Year Discounted Variable Rate – CPDR05

Term 2 Years
Initial Rate1 5.99% Variable
Overall Cost For Comparison2 8.3% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £154,514.14 payable over 27 years initially on a variable rate, currently 5.99% for 2 years and then on our current standard variable rate of 8.49% for the remaining 25 years would require 24 monthly payments of £963.18 and 300 monthly payments of £1203.92.

The total amount payable would be £384,417.32 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £229,903.18.

The overall cost for comparison is 8.3% APRC representative.

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Residential Discounted Variable Rate For Mortgage Term – DID80A

Term Duration of the mortgage term
Initial Rate1 6.75% Variable
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 95%
Early Repayment Charge None
Product Fees None

A mortgage of £101,891.81 payable over 12 years on a variable rate of 6.75% for the mortgage term would require 144 monthly payments of £1034.31.

The total amount payable would be £149,065.64 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £47,173.83.

The overall cost for comparison is 7.0% APRC representative.

Definitions

1. Initial Rate

The Initial Rate is the rate available during the initial term of the mortgage. Once the initial rate term has expired, the mortgage will either revert to our Standard Variable Rate (SVR), or a follow-on rate that is a discount off our SVR. Our SVR is set by us and is currently 8.49%, as a variable rate it may go up or down. Our follow-on rate is 1.74% below our SVR (currently 6.75% variable) and will go up or down with changes to our SVR.

2. Overall Cost for Comparison

The Overall Cost for Comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all charges incurred relating to the mortgage. The APRC is intended to help you as a borrower compare the interest rates on different products.

3. Max LTV

Like all other mortgage lenders, we will allow you to borrow against a proportion of the overall property value. This is known as Loan to Value (LTV) and is expressed as a percentage. For example, if you want to purchase a property at £100,000 and you would like to borrow £85,000, then you will need a mortgage available at 85% Loan to Value (LTV). The available LTV can vary depending upon the type of mortgage. Shared Ownership mortgages will offer two percentages under LTV - the proportion of the property value and the proportion of the share being purchased.

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