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Shared Ownership Fixed Rate until 31 August 2029 – SX-034

Term Until 31 August 2029
Initial Rate1 5.43%
Overall Cost For Comparison2 6.7% APRC
MAX LTV3 95% of the share being purchased, 75% property value
Early Repayment Charge 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029
Product Fees None

A mortgage of £104,750.00 payable over 35 years initially on a fixed rate of 5.43% until 31 August 2029 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.89%) giving a rate of 7.15% variable for the remaining 29 years 8 months would require 63 monthly payments of £558.18 and 356 monthly payments of £668.30; plus one initial interest payment of £481.76.

The total amount payable would be £274,061.90 made up of the loan amount, plus interest and fee(s) totalling £169,311.90. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.7% 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.

House Purchase Only Fixed Rate until 31 August 2029 – DIX268

Term Fixed until 31 August 2029
Initial Rate1 5.79%
Overall Cost For Comparison2 6.8% APRC
MAX LTV3 Up to 95% LTV
Early Repayment Charge 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029
Product Fees £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application

Buy to Let Fixed Rate until 15 June 2029 – XIB057

Term Fixed until 15 June 2029
Initial Rate1 5.39%
Overall Cost For Comparison2 7.7% APRC
MAX LTV3 75%
Early Repayment Charge 3% until 15 June 2027, then 2% until 15 June 2028 and then 1% until 15 June 2029
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 8.89% £1,889.00 £2,333.50 £3,222.50

 

Family Buy to Let Fixed Rate until 15 June 2029 – XIB056

Term Fixed until 15 June 2029
Initial Rate1 5.99%
Overall Cost For Comparison2 7.9% APRC
MAX LTV3 75%
Early Repayment Charge 3% until 15 June 2027, then 2% until 15 June 2028 and then 1% until 15 June 2029
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 8.89% £1,889.00 £2,333.50 £3,222.50

 

2 Year Discounted Variable Rate Limited Company Buy to Let – DIB089

Term 2 years
Initial Rate1 5.79% variable
Overall Cost For Comparison2 8.9% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, £2,499 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 8.89% £1,889.00 £2,333.50 £3,222.50

Expat Holiday Buy to Let 2 Year Discounted Variable Rate – DIB088

Term 2 years
Initial Rate1 6.25% variable
Overall Cost For Comparison2 8.9% 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 8.89% £1,889.00 £2,333.50 £3,222.50

2 Year Discounted Variable Rate Holiday Buy to Let – DIB087

Term 2 years
Initial Rate1 5.99% variable
Overall Cost For Comparison2 8.9% 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

Expat Buy to Let 2 Year Discounted Variable Rate – DIB086

Term 2 years
Initial Rate1 5.98% variable
Overall Cost For Comparison2 8.9% 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 8.89% £1,889.00 £2,333.50 £3,222.50

2 Year Discounted Variable Rate Buy to Let – DIB085

Term 2 years
Initial Rate1 5.89% variable
Overall Cost For Comparison2 8.8% 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 8.89% £1,889.00 £2,333.50 £3,222.50

2 Year Fixed Rate – DIX266

Term 2 years
Initial Rate1 5.89%
Overall Cost For Comparison2 7.3% 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 7.15% £1,715.00 £2,072.50 £2,757.50

Credit Repair – 2 Year Discounted Variable Rate – RCV002

Term 2 years
Initial Rate1 7.19% variable
Overall Cost For Comparison2 8.8% 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 – RCX002

Term 2 years
Initial Rate1 7.39%
Overall Cost For Comparison2 9.0% 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

2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB084

Term 2 years
Initial Rate1 6.45% variable
Overall Cost For Comparison2 8.7% APRC
MAX LTV3 75%
Early Repayment Charge 2% in year one, followed by 1% in year two
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 8.89% £1,889.00 £2,333.50 £3,222.50

Shared Ownership 2 Year Fixed Rate – SX-031

Term 2 years
Initial Rate1 5.99%
Overall Cost For Comparison2 7.2% 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 35 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 8.89%) giving a rate of 7.15% variable for the remaining 33 years would require 23 monthly payments of £461.63 and 396 monthly payments of £524.33; plus one initial interest payment of £384.44.

The total amount payable would be £219,136.61 made up of the loan amount, plus interest and fee(s) totalling £138,136.61. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 7.2% 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.

Versatility Plus – 2 Year Fixed Rate – CPXV13

Term 2 years
Initial Rate1 6.99%
Overall Cost For Comparison2 7.5% 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 7.15% £1,715.00 £2,072.50 £2,787.50

 

Versatility – 2 Year Fixed Rate – MPXV13

Term 2 years
Initial Rate1 6.99%
Overall Cost For Comparison2 7.4% 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 7.15% £1,715.00 £2,072.50 £2,787.50

 

Versatility – 2 Year Fixed Rate – MPXV12

Term 2 years
Initial Rate1 6.79%
Overall Cost For Comparison2 7.5% 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 7.15% £1,715.00 £2,072.50 £2,787.50

 

House Purchase Only 2 Year Fixed Rate – DIX264

Term 2 years
Initial Rate1 6.29%
Overall Cost For Comparison2 7.3% 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 Fixed Rate – DIX262

Term 2 years
Initial Rate1 5.59%
Overall Cost For Comparison2 7.2% 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 7.15% £1,715.00 £2,072.50 £2,787.50

Family Buy to Let 2 Year Discounted Variable Rate – DIB083

Term 2 years
Initial Rate1 6.19% variable
Overall Cost For Comparison2 8.6% 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 8.89% £1,889.00 £2,333.50 £3,222.50

 

Residential 3 Year Discounted Variable Rate – DID78A

Term 3 Years
Initial Rate1 6.03% Variable
Overall Cost For Comparison2 8.4% 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 £180,395.73 payable over 30 years initially on a discounted variable rate of 6.03% for 3 years and then on our current standard variable rate of 8.89% for the remaining 27 years would require 36 monthly payments of £1085.05 and 324 monthly payments of £1413.55.

The total amount payable would be £497,177.00 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £316,781.27.

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.

Residential 3 Year Discounted Variable Rate – DID79A

Term 3 Years
Initial Rate1 5.53% Variable
Overall Cost For Comparison2 8.2% 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 £787,500.00 payable over 25 years initially on a discounted variable rate of 5.53% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £4850.06 and 264 monthly payments of £6390.61.

The total amount payable would be £1,861,848.20 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £1,074,348.20.

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 8.4% 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 £167,981.00 payable over 33 years initially on a fixed rate of 5.85% for 3 years and then on our current standard variable rate of 8.89% for the remaining 30 years would require 36 monthly payments of £958.64 and 360 monthly payments of £1294.61.

The total amount payable would be £500,695.64 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £332,714.64.

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.

 

Retirement Interest Only (RIO) 5 Year Discounted Variable Rate – DRI03A

Term 5 Years
Initial Rate1 5.89% Variable
Overall Cost For Comparison2 7.4% APRC
MAX LTV3 55% (40% LTV up to age 65)
Early Repayment Charge None
Product Fees None

A mortgage of £294,430.58 payable over 10 years initially on a discounted variable rate of 5.89% for 5 years and then on our current standard variable rate of 8.89% for the remaining 5 years would require 60 monthly payments of £1,445.16 and 60 monthly payments of £2,180.99.

The total amount payable would be £512,090.60 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £217,694.00.

The overall cost for comparison is 7.4% 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.

Shared Ownership 3 Year Fixed Rate – SX-09P

Term 3 Years
Initial Rate1 5.99%
Overall Cost For Comparison2 8.5% 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 71,759.00 payable over 35 years initially on a fixed rate of 5.99% for 3 years and then on our current standard variable rate of 8.89% for the remaining 32 years would require 36 monthly payments of £408.68 and 384 monthly payments of £549.16.

The total amount payable would be £225,714.92 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £153,955.92.

The overall cost for comparison is 8.5% 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 Fixed Rate – XIB28A

Term 3 Years
Initial Rate1 6.09%
Overall Cost For Comparison2 8.5% 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 £126,365.98 payable over 23 years initially on a fixed rate of 6.09% for 3 years and then on our current standard variable rate of 8.89% for the remaining 20 years would require 36 monthly payments of £641.31 and 240 monthly payments of £936.04.

The total amount payable would be £374,227.74 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £247,861.76.

The overall cost for comparison is 8.5% 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 Fixed Rate – XIB29A

Term 3 Years
Initial Rate1 6.39%
Overall Cost For Comparison2 8.6% 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 £129,850.25 payable over 25 years initially on a fixed rate of 6.39% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £691.45 and 264 monthly payments of £961.85.

The total amount payable would be £408,795.85 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £278,945.60.

The overall cost for comparison is 8.6% 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 – CPXR09

Term 2 Years
Initial Rate1 6.89%
Overall Cost For Comparison2 8.7% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £148,387.07 payable over 21 years initially on a fixed rate of 6.89% for 2 years and then on our current standard variable rate of 8.89% for the remaining 19 years would require 24 monthly payments of £1,115.57 and 228 monthly payments of £1,288.51.

The total amount payable would be £320,678.96 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £172,291.89.

The overall cost for comparison is 8.7% 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 – DIX63A

Term 3 Years
Initial Rate1 5.49%
Overall Cost For Comparison2 7.3% 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 £100,309 payable over 10 years initially on a fixed rate of 5.49% for 3 years and then on our current standard variable rate of 8.89% for the remaining 7 years would require 36 monthly payments of £1088.12 and 84 monthly payments of £1214.40.

The total amount payable would be £141,306.92 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £40,997.92.

The overall cost for comparison is 7.3% 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.

Limited Company Buy to Let 5 Year Fixed Rate – XIB27A

Term 5 Years
Initial Rate1 6.99%
Overall Cost For Comparison2 8.4% APRC
MAX LTV3 65%
Early Repayment Charge 3% in Years 1-3, 2% in Year 4, 1% in Year 5
Product Fees None

A mortgage of £127,984.22 payable over 20 years initially on a fixed rate of 6.99% for 5 years and then on our current standard variable rate of 8.89% for the remaining 15 years would require 60 monthly payments of £745.51 and 180 monthly payments of £948.02.

The total amount payable would be £343,483.42 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £215,499.20.

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.

Buy to Let 3 Year Discounted Variable Rate – DIB17A

Term 3 Years
Initial Rate1 6.05% Variable
Overall Cost For Comparison2 8.4% 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 £106,789.00 payable over 17 years initially on a discounted variable rate of 6.05% for 3 years and then on our current standard variable rate of 8.89% for the remaining 14 years would require 36 monthly payments of £538.39 and 168 monthly payments of £791.14.

The total amount payable would be £259,207.56 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £152,418.56.

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.

Family Buy to Let 3 Year Discounted Variable Rate – DIB07R

Term 3 Years
Initial Rate1 6.05% Variable
Overall Cost For Comparison2 8.4% 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 £128,665.11 payable over 20 years initially on a variable rate of 6.05% for 3 years and then on our current standard variable rate of 8.89% for the remaining 17 years would require 36 monthly payments of £648.69 and 204 monthly payments of £953.07.

The total amount payable would be £346,569.23 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £217,904.12.

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.

Buy to Let 3 Year Discounted Variable Rate – DIB20A

Term 3 Years
Initial Rate1 6.19% Variable
Overall Cost For Comparison2 8.5% 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 £129,850.25 payable over 25 years initially on a discounted variable rate of 6.19% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £669.81 and 264 monthly payments of £961.85.

The total amount payable would be £408,016.81 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £278,166.56.

The overall cost for comparison is 8.5% 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 6.39% Variable
Overall Cost For Comparison2 8.6% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £148,748.23 payable over 21 years initially on a variable rate, currently 6.39% for 2 years and then on our current standard variable rate of 8.89% for the remaining 19 years would require 24 monthly payments of £1073.69 and 228 monthly payments of £1287.92.

The total amount payable would be £319,539.32 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £170,791.09.

The overall cost for comparison is 8.6% 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 – MPDV13

Term 2 years
Initial Rate1 6.39% variable
Overall Cost For Comparison2 7.2% 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 7.15% £1,715.00 £2,072.50 £2,787.50

 

Versatility – 2 Year Discounted Variable Rate – MPDV12

Term 2 years
Initial Rate1 6.89% variable
Overall Cost For Comparison2 7.4% 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 7.15% £1,715.00 £2,072.50 £2,787.50

Versatility Plus – 2 Year Discounted Variable Rate – CPDV15

Term 2 years
Initial Rate1 6.65% variable
Overall Cost For Comparison2 7.3% 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 7.15% £1,715.00 £2,072.50 £2,787.50

 

Retirement Interest Only (RIO) 5 Year Discounted Variable Rate DRI003

Term 5 years
Initial Rate1 5.89% variable
Overall Cost For Comparison2 7.0% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge NIL
Product Fees £199 application fee, £300 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 7.15% £1,715.00 £2,072.50 £2,787.50

2 Year Discounted Variable Rate House Purchase Only – DID167

Term 2 years
Initial Rate1 6.65% variable
Overall Cost For Comparison2 7.3% 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 – DID169

Term 2 years
Initial Rate1 5.65% variable
Overall Cost For Comparison2 7.2% 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 7.15% £1,715.00 £2,072.50 £2,787.50

2 Year Discounted Variable Rate – DID166

Term 2 years
Initial Rate1 6.25% variable
Overall Cost For Comparison2 7.3% 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 7.15% £1,715.00 £2,072.50 £2,787.50

2 Year Discounted Variable Rate – DID168

Term 2 years
Initial Rate1 5.53% variable
Overall Cost For Comparison2 7.1% APRC
MAX LTV3 75% (70% for loans over £750,000 and under £1m)
Early Repayment Charge 2% in year one, followed by 1% in year two
Product Fees £199 application fee, 0.50% 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 7.15% £1,715.00 £2,072.50 £2,787.50

Family Assist 3 Year Discounted Variable Rate – House Purchase Only – DFM004

Term 3 years
Initial Rate1 5.89% variable
Overall Cost For Comparison2 7.1% APRC
MAX LTV3 100%
Early Repayment Charge 3% in Year 1, 2% in Year 2, 1% in Year 3
Product Fees £199 application fee, no completion fee
  • The £199 Application Fee is non-refundable and payable at the point of application.

Light Refurb Buy to Let 2 Year Discounted Variable Rate – DIB081

Term 2 years
Initial Rate1 6.39% variable
Overall Cost For Comparison2 8.8% APRC
MAX LTV3 75%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees £199 application fee, 1% 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 8.89% £1,889.00 £2,333.50 £3,222.50

Residential 2 Year Fixed Rate – DIX65A

Term 2 Years
Initial Rate1 5.75%
Overall Cost For Comparison2 7.9% APRC
MAX LTV3 85%
Early Repayment Charge 2% in Year 1, 1% in Year 2
Product Fees None

A mortgage of £100,309.00 payable over 10 years initially on a fixed rate of 5.75% for 2 years and then on our current standard variable rate of 8.89% for the remaining 8 years would require 24 monthly payments of £1101.08 and 96 monthly payments of £1234.09.

The total amount payable would be £145,023.56 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £44,714.56.

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.

Expat Buy to Let 3 Year Discounted Variable Rate – DIB21A

Term 3 Years
Initial Rate1 6.19% Variable
Overall Cost For Comparison2 8.5% 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 £129,850.25 payable over 25 years initially on a variable rate of 6.19% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £669.81 and 264 monthly payments of £961.85.

The total amount payable would be £408,016.81 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £278,166.56.

The overall cost for comparison is 8.5% 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 Limited Company Buy to Let – DIB071

Term 2 years
Initial Rate1 5.19% variable
Overall Cost For Comparison2 8.8% 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 8.89% £1,889.00 £2,333.50 £3,222.50

Residential 3 Year Discounted Variable Rate – DID77A

Term 3 Years
Initial Rate1 5.55% Variable
Overall Cost For Comparison2 8.3% 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 £98,385.22 payable over 30 years initially on a discounted variable rate of 5.55% for 3 years and then on our current standard variable rate of 8.89% for the remaining 27 years would require 36 monthly payments of £561.71 and 324 monthly payments of £768.20.

The total amount payable would be £269,243.36 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £170,858.14.

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.

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 8.89%, as a variable rate it may go up or down. Our follow-on rate is 1.74% below our SVR and is currently 7.15% variable. Our follow-on rate 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.

Your home may be repossessed if you do not keep up repayments on your mortgage

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