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Existing Customer Residential Product Range



Existing Customer Residential Product Range


  • All product information correct as at 08/01/2018
  • Lending Fee £195 may apply (due on completion but payment can be deferred until mortgage is fully repaid)
  • If a product fee is due, it will need to be paid before completion


Standard Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2F3
5 Year 2.9% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 3.6% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2F4
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2F5
5 Year 3.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2F6
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2F7
5 Year 4.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2F8
 

All

2 Year 4.79% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.8% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2F9
5 Year 4.99% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2G2
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.5% APRC £0 None 2TX
 

Help to Buy Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2G3
5 Year 2.9% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 3.6% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2G4
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2G5
5 Year 3.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2G6
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2G7
5 Year 4.59% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2G8
 

All

2 Year 4.79% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.8% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2G9
5 Year 4.99% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2H2
 

Self Certification Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 3.49% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.3% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2H3
5 Year 3.79% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.2% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2H4
 

All

2 Year 5.49% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2H5
5 Year 5.79% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.6% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2H6
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.5% APRC £0 None P51
 

First Start Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.5% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2H7
5 Year 3.1% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 3.9% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2H8
 

All

2 Year 4.99% Fixed until 30/04/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 4.8% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2H9
5 Year 5.19% Fixed until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable. 5.0% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2J2
Term 4.49% Standard Variable Rate which is our Standard Variable Rate for the entire mortgage term. 4.6% APRC £0 None XFN
 


Standard, Self Certification and First Start representative example:

A mortgage of £149,996 payable over 22 years initially on a fixed rate for 2 years at 2.40% and then on our current variable rate of 4.49% for the remaining 20 years would require 24 monthly payments of £736 and 238 monthly payments of £885.

The total amount payable would be £228,494 made up of the loan amount plus interest (£78,303), product fee (£0), valuation fee (£0), funds transfer fee (£0), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.2% APRC representative.

 

Help to Buy representative example:

A mortgage of £149,996 payable over 22 years initially on a fixed rate for 2 years at 2.40% and then on our current variable rate of 4.49% for the remaining 20 years would require 24 monthly payments of £736 and 238 monthly payments of £885.

The total amount payable would be £228,509 made up of the loan amount plus interest (£78,303), product fee (£0), valuation fee (£0), funds transfer fee (£15), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.2% APRC representative.

 
 

If you're unsure of which mortgage product to select and you'd like us to assess the suitability of our mortgage products against your needs and circumstances, then please call us on 0345 603 1936* for further details.