Date Printed: 14 September 2024
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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) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB089
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Term:2 years |
Initial Rate1:5.54% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £2,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
Expat Holiday Buy to Let 2 Year Discounted Variable Rate – DIB088
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.74% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
Expat Buy to Let 2 Year Discounted Variable Rate – DIB086
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Term:2 years |
Initial Rate1:5.73% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Buy to Let – DIB085
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Term:2 years |
Initial Rate1:5.64% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB084
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Term:2 years |
Initial Rate1:6.20% variable |
Overall Cost for Comparison2:8.5% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
Family Buy to Let 2 Year Discounted Variable Rate – DIB083
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Term:2 years |
Initial Rate1:5.94% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
Light Refurb Buy to Let 2 Year Discounted Variable Rate – DIB081
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Term:2 years |
Initial Rate1:6.14% variable |
Overall Cost for Comparison2:8.6% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, 1% completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071
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Term:2 years |
Initial Rate1:4.94% variable |
Overall Cost for Comparison2:8.5% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2.50% completion fee |
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Representative Example:
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.
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Last Updated:27 August 2024
Family Buy to Let Fixed Rate until 30 November 2029 – XIB062
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.59% |
Overall Cost for Comparison2:7.3% APRC |
MAX LTV3:75% |
Early Repayment Change:3% until 30 November 2027, then 2% until 30 November 2028 and then 1% until 30 November 2029 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
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.
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Last Updated:27 August 2024
Buy to Let Fixed Rate until 30 November 2029 – XIB061
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.39% |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:75% |
Early Repayment Change:3% until 30 November 2027, then 2% until 30 November 2028 and then 1% until 30 November 2029 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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First Time Buyer (9) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (70% for loans over £750,000 and under £1m) |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 0.50% completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate House Purchase Only – DID167
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Term:2 years |
Initial Rate1:6.40% variable |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Last Updated:27 August 2024
House Purchase Only Fixed Rate until 30 November 2029 – DIX279
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.79% |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:Up to 95% LTV |
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:27 August 2024
Remortgage Only Fixed Rate until 30 November 2029 – DIX278
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.59% |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:Up to 90% LTV |
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
House Purchase Only 2 Year Fixed Rate – DIX277
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Term:2 years |
Initial Rate1:6.19% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Holiday Lets (2) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.74% variable |
Overall Cost for Comparison2:8.4% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB084
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Term:2 years |
Initial Rate1:6.20% variable |
Overall Cost for Comparison2:8.5% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
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.
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Interest Only (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (70% for loans over £750,000 and under £1m) |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 0.50% completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
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Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Moving Home (9) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
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Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (70% for loans over £750,000 and under £1m) |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 0.50% completion fee |
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Representative Example:
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.
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Last Updated:30 August 2024
2 Year Discounted Variable Rate House Purchase Only – DID167
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Term:2 years |
Initial Rate1:6.40% variable |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID166
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Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Last Updated:27 August 2024
House Purchase Only Fixed Rate until 30 November 2029 – DIX279
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.79% |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:Up to 95% LTV |
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:27 August 2024
Remortgage Only Fixed Rate until 30 November 2029 – DIX278
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Term:Fixed until 30 November 2029 |
Initial Rate1:5.59% |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:Up to 90% LTV |
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028,1% until 30 November 2029 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
House Purchase Only 2 Year Fixed Rate – DIX277
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Term:2 years |
Initial Rate1:6.19% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
|
Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
|
Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
|
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Last Updated:1 August 2024
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 Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Remortgage (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
|
Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (70% for loans over £750,000 and under £1m) |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 0.50% completion fee |
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Representative Example:
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.
|
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID166
|
Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
|
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
|
Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
|
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Last Updated:1 August 2024
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 Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Retirement (5) |
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID168
|
Term:2 years |
Initial Rate1:5.28% variable |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:75% (70% for loans over £750,000 and under £1m) |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 0.50% completion fee |
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Representative Example:
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.
|
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Last Updated:30 August 2024
2 Year Discounted Variable Rate – DID166
|
Term:2 years |
Initial Rate1:6.00% variable |
Overall Cost for Comparison2:7.1% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
|
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX276
|
Term:2 years |
Initial Rate1:5.79% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:27 August 2024
2 Year Fixed Rate – DIX275
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Term:2 years |
Initial Rate1:5.29% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
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.
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Last Updated:1 August 2024
2 Year Discounted Variable Rate – DID169
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Term:2 years |
Initial Rate1:5.65% variable |
Overall Cost for Comparison2:7.2% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
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.
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Shared Ownership (2) |
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Last Updated:27 August 2024
Shared Ownership Fixed Rate until 30 November 2029 – SX-038
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Term:Until 30 November 2029 |
Initial Rate1:5.49% |
Overall Cost for Comparison2:6.6% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:3% until 30 November 2027, 2% until 30 November 2028, 1% until 30 November 2029 |
Product Fees:None |
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Representative Example:A mortgage of £127,500.00 payable over 38 years initially on a fixed rate of 5.49% until 30 November 2029 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.64%) giving a rate of 6.90% variable for the remaining 32 years 9 months would require 62 monthly payments of £666.89 and 393 monthly payments of £780.77; plus one initial interest payment of £573.75. The total amount payable would be £349,263.54 made up of the loan amount, plus interest and fee(s) totalling £221,763.54. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 6.6% 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. |
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Last Updated:27 August 2024
Shared Ownership 2 Year Fixed Rate – SX-037
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:None |
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Representative Example:A mortgage of £101,412.00 payable over 26 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 8.64%) giving a rate of 6.90% variable for the remaining 24 years would require 23 monthly payments of £642.86 and 288 monthly payments of £697.89; plus one initial interest payment of £497.92. The total amount payable would be £216,776.02 made up of the loan amount, plus interest and fee(s) totalling £115,364.02. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 7.0% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. |
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