Fixed Rate Mortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


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Fixed Rate Mortgages

Our mortgages

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First Time Buyer 2 Year Fixed Rate 90% LTV (fixed until 31.03.2028)

Initial Interest Rate

5.49%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

7.40%

Product Code

IP431

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.49% until 31st March 2028, a further discounted rate of 6.89% until 31st March 2032, followed by our Standard Variable Rate of 8.14%. In this example you would make 26 monthly payments of £1,104.28, 48 payments of £1,249.35 and 226 monthly payments of £1,368.19.

The total amount payable would be £398,159.02 made up of the loan amount plus interest of £217,891.02 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

First Time Buyer 2 Year Fixed Rate 95% LTV (fixed until 31.03.2028)

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

7.50%

Product Code

IP432

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.99% until 31st March 2028, a further discounted rate of 6.89% until 31st March 2032, followed by our Standard Variable Rate of 8.14%. In this example you would make 26 monthly payments of £1,158.64, 48 payments of £1,253.20 and 226 monthly payments of £1,372.40

The total amount payable would be £400,708.64 made up of the loan amount plus interest of £220,440.64 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.