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3 Year Discounted Rate – DID145

Term 3 years
Initial Rate1 Currently 2.29%
Overall Cost For Comparison2 4.8% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £291,000.00 payable over 19 years initially on a variable rate, currently 2.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 16 years would require 35 monthly payments of £555.33 and 192 monthly payments of £1,297.37; plus one initial interest payment of £546.22

The total amount payable would be £561,006.81 made up of the loan amount, plus interest and fee(s) totalling £270,006.81.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25). Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.8% APRC representative.

2 Year Discounted Rate – DID143

Term 2 years
Initial Rate1 Currently 2.29%
Overall Cost For Comparison2 4.9% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £142,000.00 payable over 14 years initially on a variable rate, currently 2.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 23 monthly payments of £270.98 and 144 monthly payments of £633.08; plus one initial interest payment of £266.54

The total amount payable would be £240,591.60 made up of the loan amount, plus interest and fee(s) totalling £98,591.60.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.9% APRC representative.

2 Year Discounted Rate Remortgage Only – DID146

Term 2 years
Initial Rate1 Currently 2.35%
Overall Cost For Comparison2 4.7% APRC
MAX LTV3 75% (70% for loans over £750,000 and under £1m)
Early Repayment Charge 2%
Product Fees £199 application fee, 0.50% completion fee

A mortgage of £573,000.00 payable over 14 years initially on a variable rate, currently 2.35% for 2 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 23 monthly payments of £4,026.06 and 144 monthly payments of £4,757.50; plus one initial interest payment of £1,103.73

The total amount payable would be £782,022.11 made up of the loan amount, plus interest and fee(s) totalling £209,022.11.  This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£2,865) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.7% APRC representative.

2 Year Discounted Rate – DID142

Term 2 years
Initial Rate1 Currently 1.99%
Overall Cost For Comparison2 4.6% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £142,000.00 payable over 14 years initially on a variable rate, currently 1.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 23 monthly payments of £974.17 and 144 monthly payments of £1,175.32; plus one initial interest payment of £231.62

The total amount payable would be £192,812.61 made up of the loan amount, plus interest and fee(s) totalling £50,812.61.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.6% APRC representative.

Retirement Interest Only (RIO) 5 Year Discounted Rate DRI001

Term 5 years
Initial Rate1 Currently 2.59%
Overall Cost For Comparison2 4.8% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge NIL
Product Fees £199 application fee, £800 completion fee

A mortgage of £117,600 payable over 40 years initially on a variable rate, currently 2.59% for 5 years and then on our current standard variable rate of 5.35% for the remaining 35 years would require 59 monthly payments of £253.82 and 420 monthly payments of £ 524.30 plus one initial interest payment of £249.66.

The total amount payable would be £354,821.04 made up of the loan amount, plus interest and fee(s) totalling £237,221.04. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.8% APRC representative.

Retirement Interest Only (RIO) 3 Year Fixed Rate XRI001

Term 3 years
Initial Rate1 3.35%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £167,000 payable over 15 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 35 monthly payments of £466.21 and 144 monthly payments of £744.54 plus one initial interest payment of £458.57.

The total amount payable would be £293,024.68 made up of the loan amount, plus interest and fee(s) totalling £126,024.68. This includes Application Fee (£199), Valuation Fee (£511), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.0% APRC representative.

3 Year Fixed Rate – DIX218

Term 3 years
Initial Rate1 3.49%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £499 completion fee

A mortgage of £224,000 payable over 28 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.35% for the remaining 25 years would require 35 monthly payments of £1,047.36 and 300 monthly payments of £1,267.42 plus one initial interest payment of £640.79.

The total amount payable would be £418,652.39 made up of the loan amount, plus interest and fee(s) totalling £194,652.39. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.0% APRC representative.

2 Year Fixed Rate – DIX220

Term 2 years
Initial Rate1 2.49%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £92,419.00 payable over 25 years initially on a fixed rate of 2.49% for 2 years and then on our current standard variable rate of 5.35% for the remaining 23 years would require 23 monthly payments of £415.14 and 276 monthly payments of £549.60; plus one initial interest payment of £188.63

The total amount payable would be £163,054.45 made up of the loan amount, plus interest and fee(s) totalling £70,635.45.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.1% APRC representative.

3 Year Discounted Rate – DID144

Term 3 years
Initial Rate1 Currently 1.99%
Overall Cost For Comparison2 4.4% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £291,000.00 payable over 19 years initially on a variable rate, currently 1.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 16 years would require 35 monthly payments of £1,539.38 and 192 monthly payments of £1,963.55; plus one initial interest payment of £474.66

The total amount payable would be £432,283.56 made up of the loan amount, plus interest and fee(s) totalling £141,283.56.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25). Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.4% APRC representative.

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 revert to our Standard Variable Rate (SVR). Our SVR is set by us and is currently 5.75%, as a variable rate it may go up or down.

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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