Our
Rates

Loan to value (LTV)

Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%

Our 95% products are subject to additional criteria

Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
Fixed rate for 2 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.98
%
Inital rate
3.95
%
Product fee
APRC
£
999
4.95
%
Fixed rate for 3 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.92
%
Inital rate
4.06
%
Product fee
APRC
£
999
4.89
%
Fixed rate for 5 years
Inital rate
4.29
%
Product fee
APRC
£
0
4.81
%
Inital rate
4.15
%
Product fee
APRC
£
999
4.79
%
What does fixed rate mean?
A fixed rate mortgage has an interest rate that stays the same for a set period of time, called an initial period (ours are 2, 3, or 5 years). It means your monthly payments will stay the same for that period. When that initial period ends, if you wanted to fix your rate again, you could remortgage to a new fixed rate.
After your initial period ends, you can remortgage (subject to affordability and criteria). If you don’t remortgage, you’ll go onto a standard variable rate (SVR)
What’s an initial rate?
An initial rate is the rate you’ll have for the initial period of your mortgage (ours are 2, 3, or 5 years). For fixed rate mortgages, it means your rate and monthly payments will stay the same for that period. After that, you can remortgage to a new product, and a new initial rate. If you don’t remortgage, you’ll be carried on to something called a standard variable rate (SVR), which can go up or down.
What’s APRC?
APRC stands for “annual percentage rate of change,” and it calculates how much you’d pay in interest every year on average if you were to go onto a standard variable rate (SVR) after your initial period, and stay on the SVR until your mortgage is fully repaid. (It averages out your initial rate for the initial period, all fees and charges, plus the SVR for the rest of your mortgage.) But most people choose to remortgage to a new deal after their initial period is up, which APRC doesn’t measure.
What’s an up-front fee?
Some of our mortgages have a lower interest rate, in exchange for an up-front fee. We also have mortgages that have no up-front fee, with a higher interest rate.
A representative example...

A repayment mortgage of £220,000 payable over 25 years, initially on a 3.95% fixed rate for 2 years and then on our current variable rate of 5.00% for the remaining term, would require 24 monthly payments of £1,155.18 and 276 monthly payments of £1,277.30.

The total amount payable would be £381,258.71 made up of the loan amount plus interest and £999 product fee (payable upfront).

Please note your actual costs and monthly repayments will vary.

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