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2 Year Discounted Rate – CPDV06 (Versatility 4)

Term 2 years
Initial Rate1 Currently 4.49%
Overall Cost For Comparison2 5.8% APRC
MAX LTV3 75%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £108,000 payable over 35 years initially on a variable rate, currently 4.49% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £510.95 and 396 monthly payments of £597.00 plus one initial interest payment of £53.32.

The total amount payable would be £250,039.17 made up of the loan amount, plus interest and fee(s) totalling £142,039.17. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – CPDV05 (Versatility 3)

Term 2 years
Initial Rate1 Currently 4.09%
Overall Cost For Comparison2 5.8% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £75,400 payable over 29 years initially on a variable rate, currently 4.09% for 2 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 23 monthly payments of £370.87 and 324 monthly payments of £443.72 plus one initial interest payment of £33.91.

The total amount payable would be £154,126.20 made up of the loan amount, plus interest and fee(s) totalling £78,726.20. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

3 Year Fixed Rate – MPXV02 (Versatility 2)

Term 3 years
Initial Rate1 4.29%
Overall Cost For Comparison2 5.5% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £424,000 payable over 23 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.75% for the remaining 20 years would require 35 monthly payments of £2,424.49 and 240 monthly payments of £2,739.20 plus one initial interest payment of £1544.87.

The total amount payable would be £745,867.02 made up of the loan amount, plus interest and fee(s) totalling £321,067.02. This includes Application Fee (£199), Valuation Fee (£429), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

3 Year Fixed Rate – CPXV03 (Versatility 3)

Term 3 years
Initial Rate1 4.59%
Overall Cost For Comparison2 5.7% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £208,000 payable over 30 years initially on a fixed rate of 4.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £1,066.44 and 324 monthly payments of £1203.92 plus one initial interest payment of £810.86.

The total amount payable would be £430,100.34 made up of the loan amount, plus interest and fee(s) totalling £222,100.34. This includes Application Fee (£199), Valuation Fee (£266), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

3 Year Fixed Rate – CPXV04 (Versatility 4)

Term 3 years
Initial Rate1 4.99%
Overall Cost For Comparison2 5.8% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £145,000 payable over 29 years initially on a fixed rate of 4.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 26 years would require 35 monthly payments of £790.18 and 312 monthly payments of £852.97 plus one initial interest payment of £614.52.

The total amount payable would be £296,250.46 made up of the loan amount, plus interest and fee(s) totalling £151,250.46. This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.8% APRC representative.

2 Year Discounted Rate – MPDV04 (Versatility 2)

Term 2 years
Initial Rate1 Currently 3.79%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £103,635.00 payable over 18 years initially on a variable rate, currently 3.79% for 2 years and then on our current standard variable rate of 5.75% for the remaining 16 years would require 23 monthly payments of £664.79 and 192 monthly payments of £765.16 plus one initial interest payment of £43.17.

The total amount payable would be £164,097.06 made up of the loan amount, plus interest and fee(s) totaling £60,462.06. This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

3 Year Fixed Rate – MPXV01 (Versatility 1)

Term 3 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 85%
Early Repayment Charge 3%
Product Fees £199 application fee, £999 completion fee

A mortgage of £424,000 payable over 23 years initially on a fixed rate of 3.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 20 years would require 35 monthly payments of £2,355.07 and 240 monthly payments of £2,730.72 plus one initial interest payment of £1,436.84.

The total amount payable would be £741,294.09 made up of the loan amount, plus interest and fee(s) totalling £317,294.09. This includes Application Fee (£199), Valuation Fee (£429), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

2 Year Discounted Rate – MPDV03 (Versatility 1)

Term 2 years
Initial Rate1 Currently 3.49%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 85%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £103,635 payable over 18 years initially on a variable rate, currently 3.49% for 2 years and then on our current standard variable rate of 5.75% for the remaining 16 years would require 23 monthly payments of £649.01 and 192 monthly payments of £763.21 plus one initial interest payment of £39.75.

The total amount payable would be £163,356.30 made up of the loan amount, plus interest and fee(s) totalling £59,721.30. This includes Application Fee (£199), Valuation Fee (£225),
Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% 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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