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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;

  • free standard legal and valuation fees for remortgages on our 2 and 5 year fixed rate products (up to 90% LTV) 
  • 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 80% 1.94% 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:

  • 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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
2 Year 80% 2.29% 4.74% £0 £1,000,000 
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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
2 Year 90% 2.39% 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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
2 Year 90% 2.74% 4.74% £0 £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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
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
No Free standard valuation
5 Year 80% 2.39% 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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
5 Year 80% 2.59% 4.74% £0 £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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
5 Year 90% 2.94% 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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
Valuation fees
5 Year 90% 3.14% 4.74% £0 £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
Yes
Close
  • For remortgages we pay the standard valuation fee.
  • For remortgages we will also pay the standard legal fees for switching the loan, using our partner conveyancing firm. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the firm will advise your client of the cost and they will be responsible for any fees incurred.
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
No Free standard valuation