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Fixed Rate Mortgages

Our fixed rate product range includes 2 and 5 year fixed rate deals up to 95% LTV. 

Things you should know;

  • available for purchase only
  • interest only options available (subject to criteria)
  • no upper age limit when considering a mortgage application

Talk with one of the team about our fixed rate products today on 0345 601 2744.

 

Product LTV Initial rate Revert rate Application/
Completion fee
Maximum loan ERC Remortgage package Valuation fee
 
2 Year 85% 2.09% 4.74%
£999 (including £199 up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non -refundable
  • Completion fee £800 - this can be paid up front or added to the loan*

    *If added to the loan, we will charge interest on the fee during the term of the loan.
£525,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 3% of the excess overpayment in year one
  • 2% of the excess overpayment in year two

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 3% of the outstanding balance in year one
  • 2% of the outstanding balance in year two
N/A Valuation fees
2 Year 90% 2.49% 4.74%
£999 (including £199 up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non -refundable
  • Completion fee £800 - this can be paid up front or added to the loan*

    *If added to the loan, we will charge interest on the fee during the term of the loan.
£475,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 3% of the excess overpayment in year one
  • 2% of the excess overpayment in year two

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 3% of the outstanding balance in year one
  • 2% of the outstanding balance in year two
N/A Valuation fees
2 Year 95% 3.64% 4.74%
£199 (up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non - refundable.
£400,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 3% of the excess overpayment in year one
  • 2% of the excess overpayment in year two

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 3% of the outstanding balance in year one
  • 2% of the outstanding balance in year two
N/A Free standard valuation
5 Year 80% 2.54% 4.74%
£999 (including £199 up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non-refundable.
  • Completion fee £800 -  this can be paid up front or added to the loan*.

    *If added to the loan, we will charge interest on the fee during the term of the loan.
£1,000,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five
N/A
Valuation fees
5 Year 85% 2.84% 4.74%
£999 (including £199 up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non-refundable.
  • Completion fee £800 -  this can be paid up front or added to the loan*.

    *If added to the loan, we will charge interest on the fee during the term of the loan.
£525,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five
N/A
Valuation fees
5 Year 90% 3.19% 4.74%
£999 (including £199 up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non-refundable.
  • Completion fee £800 -  this can be paid up front or added to the loan*.

    *If added to the loan, we will charge interest on the fee during the term of the loan.
£475,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five
N/A Valuation fees
5 Year 95% 3.94% 4.74%
£199 (up front)
Close

Fees

  • Application fee £199 - this is payable at the time of application and is non - refundable.
£400,000
Stepped
Close

Any amount repaid over 10% of the mortgage completion date balance will incur an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five

If your customer switches their loan to another lender, a different mortgage deal with us, or repays it in full before the end of the fixed rate term, they'll have to pay an early repayment charge equal to:

  • 5% of the excess overpayment in year one
  • 4% of the excess overpayment in year two
  • 3% of the excess overpayment in year three
  • 2% of the excess overpayment in year four
  • 1% of the excess overpayment in year five
N/A Free standard valuation