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Mortgage Products Term Initial Rate1 Overall Cost for Comparison2 MAX LTV3 Early Repayment Change Product Fees See Representative Example

Buy to Let Mortgages (11)

Buy to Let Fixed Rate until 31 August 2029 – XIB060 Fixed until 31 August 2029 5.69% 7.7% APRC 75% 3% until 31 August 2027, then 2% until 31 August 2028 and then 1% until 31 August 2029 £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 31 August 2029 – XIB059 Fixed until 31 August 2029 5.99% 7.9% APRC 75% 3% until 31 August 2027, then 2% until 31 August 2028 and then 1% until 31 August 2029 £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 2 years 5.79% variable 8.9% APRC 75% 2% in year one, followed by 1% in year two £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 2 years 6.25% variable 8.9% APRC 75% 2% in Year 1, 1% in Year 2 £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 2 years 5.99% variable 8.9% APRC 75% 2% in Year 1, 1% in Year 2 £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 2 years 5.98% variable 8.9% APRC 75% 2% in Year 1, 1% in Year 2 £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 2 years 5.89% variable 8.8% APRC 75% 2% in Year 1, 1% in Year 2 £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 Limited Company Holiday Buy to Let – DIB084 2 years 6.45% variable 8.7% APRC 75% 2% in year one, followed by 1% in year two £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 2 Year Discounted Variable Rate – DIB083 2 years 6.19% variable 8.6% APRC 75% 2% in Year 1, 1% in Year 2 £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

 

Light Refurb Buy to Let 2 Year Discounted Variable Rate – DIB081 2 years 6.39% variable 8.8% APRC 75% 2% in Year 1, 1% in Year 2 £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
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071 2 years 5.19% variable 8.8% APRC 75% 2% in year one, followed by 1% in year two £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

First Time Buyer (8)

House Purchase Only Fixed Rate until 31 August 2029 – DIX273 Fixed until 31 August 2029 5.99% 6.9% APRC Up to 95% LTV 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
2 Year Fixed Rate – DIX271 2 years 6.19% 7.3% APRC Over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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
2 Year Fixed Rate – DIX270 2 years 5.89% 7.3% APRC 80% 2% in Year 1, 1% in Year 2 £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 – DIX272 2 years 6.59% 7.3% APRC Over 90% and up to 95% 2% in Year 1, 1% in Year 2 £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 House Purchase Only – DID167 2 years 6.65% variable 7.3% APRC over 90% and up to 95% 2% in year one, followed by 1% in year two £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 2 years 5.65% variable 7.2% APRC 80% 2% in Year 1, 1% in Year 2 £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 2 years 6.25% variable 7.3% APRC over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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 2 years 5.53% variable 7.1% APRC 75% (70% for loans over £750,000 and under £1m) 2% in year one, followed by 1% in year two £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

Holiday Lets (2)

2 Year Discounted Variable Rate Holiday Buy to Let – DIB087 2 years 5.99% variable 8.9% APRC 75% 2% in Year 1, 1% in Year 2 £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 – DIB084 2 years 6.45% variable 8.7% APRC 75% 2% in year one, followed by 1% in year two £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

Interest Only (5)

2 Year Fixed Rate – DIX271 2 years 6.19% 7.3% APRC Over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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
2 Year Fixed Rate – DIX270 2 years 5.89% 7.3% APRC 80% 2% in Year 1, 1% in Year 2 £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 – DID169 2 years 5.65% variable 7.2% APRC 80% 2% in Year 1, 1% in Year 2 £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 2 years 6.25% variable 7.3% APRC over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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 2 years 5.53% variable 7.1% APRC 75% (70% for loans over £750,000 and under £1m) 2% in year one, followed by 1% in year two £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

Moving Home (8)

House Purchase Only Fixed Rate until 31 August 2029 – DIX273 Fixed until 31 August 2029 5.99% 6.9% APRC Up to 95% LTV 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 £199 Application Fee, No Completion Fee
  • The £199 Application Fee is non-refundable and payable at the point of application
2 Year Fixed Rate – DIX271 2 years 6.19% 7.3% APRC Over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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
2 Year Fixed Rate – DIX270 2 years 5.89% 7.3% APRC 80% 2% in Year 1, 1% in Year 2 £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 – DIX272 2 years 6.59% 7.3% APRC Over 90% and up to 95% 2% in Year 1, 1% in Year 2 £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 House Purchase Only – DID167 2 years 6.65% variable 7.3% APRC over 90% and up to 95% 2% in year one, followed by 1% in year two £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 2 years 5.65% variable 7.2% APRC 80% 2% in Year 1, 1% in Year 2 £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 2 years 6.25% variable 7.3% APRC over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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 2 years 5.53% variable 7.1% APRC 75% (70% for loans over £750,000 and under £1m) 2% in year one, followed by 1% in year two £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

Remortgage (6)

2 Year Fixed Rate – DIX271 2 years 6.19% 7.3% APRC Over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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
2 Year Fixed Rate – DIX270 2 years 5.89% 7.3% APRC 80% 2% in Year 1, 1% in Year 2 £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
Remortgage Only Fixed Rate until 31 August 2029 – DIX274 Fixed until 31 August 2029 5.99% 7.0% APRC Up to 90% LTV 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 £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
2 Year Discounted Variable Rate – DID169 2 years 5.65% variable 7.2% APRC 80% 2% in Year 1, 1% in Year 2 £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 2 years 6.25% variable 7.3% APRC over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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 2 years 5.53% variable 7.1% APRC 75% (70% for loans over £750,000 and under £1m) 2% in year one, followed by 1% in year two £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

Retirement (5)

2 Year Fixed Rate – DIX271 2 years 6.19% 7.3% APRC Over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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
2 Year Fixed Rate – DIX270 2 years 5.89% 7.3% APRC 80% 2% in Year 1, 1% in Year 2 £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 – DID169 2 years 5.65% variable 7.2% APRC 80% 2% in Year 1, 1% in Year 2 £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 2 years 6.25% variable 7.3% APRC over 80% and up to 90% 2% in Year 1, 1% in Year 2 £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 2 years 5.53% variable 7.1% APRC 75% (70% for loans over £750,000 and under £1m) 2% in year one, followed by 1% in year two £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

Shared Ownership (2)

Shared Ownership Fixed Rate until 31 August 2029 – SX-036 Until 31 August 2029 5.79% 6.8% APRC 95% of the share being purchased, 75% property value 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 None

A mortgage of £157,000.00 payable over 28 years initially on a fixed rate of 5.79% 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 22 years 9 months would require 62 monthly payments of £946.19 and 273 monthly payments of £1,064.92; plus one initial interest payment of £745.11.

The total amount payable would be £350,632.05 made up of the loan amount, plus interest and fee(s) totalling £193,632.05. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 6.8% 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.

Shared Ownership 2 Year Fixed Rate – SX-035 2 years 6.29% 7.2% APRC 95% of the share being purchased, 75% property value 2% in Year 1, 1% in Year 2 None

A mortgage of £157,000.00 payable over 28 years initially on a fixed rate of 6.29% 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 26 years would require 23 monthly payments of £995.74 and 312 monthly payments of £1,079.50; plus one initial interest payment of £809.45.

The total amount payable would be £361,015.47 made up of the loan amount, plus interest and fee(s) totalling £204,015.47.  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.

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.
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