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Standard Residential mortgages

We know that buying a home is one of the biggest financial decisions your clients will ever make. And we understand no two borrowers are the same, which is why we offer a flexible approach to mortgage criteria with manual underwriting. We are happy to discuss unusual circumstances, so give our Intermediaries team a call to chat about your individual situation.

Variable mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period.

Product
name
Initial
rate i
Discount
from SVR i
Overall cost for
comparison i
Max %
LTV i
Product
fee i
Mortgage
repayment
Residential variable for 3 years See example 1.99% 2.91% 4.2% APRC 80% 0.4% (£599 min)
£XXX.xx per month
See details

Representative example: A mortgage of £193,000 taken out for a period of 21 years on a repayment basis.

Monthly instalments: £940.65 per month for 35 months, followed by £1,192.74 per month for 216 months.

Total amount payable: £291,911.59

Total amount of credit: £193,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £772, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.2% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

90% Residential variable for 3 years See example 2.99% 1.91% 4.6% APRC 90% 0.4% (£599 min)
£XXX.xx per month
See details

Representative example: A mortgage of £143,000 taken out for a period of 30 years on a repayment basis.

Monthly instalments: £603.16 per month for 35 months, followed by £748.67 per month for 324 months.

Total amount payable: £264,833.68

Total amount of credit: £143,000

The total amount payable includes product fee £599, valuation fee £255, administration fee £125, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.6% representative APRC.

The example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

 



							                    

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period.

Product
name
Initial
rate i
Overall cost for
comparison i
Max %
LTV i
Product
fee i
Mortgage
repayment
Residential fixed for 5 years See example 2.69% 3.9% APRC 80% 0.4% (£599 min)
£XXX.xx per month
See details

Representative example: A mortgage of £164,000 taken out for a period of 16 years on a repayment basis.

Monthly instalments: £1,056.48 per month for 59 months, followed by £1,187.15 per month for 132 months.

Total amount payable: £220,277.12

Total amount of credit: £164,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £656, completion fee £75 and closing fee £100.

The overall cost for comparison is 3.9% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

 

90% Residential fixed for 5 years See example 3.39% 4.50% APRC 90% 0.4% (£599 min)
£XXX.xx per month
See details

Representative example: A mortgage of £197,000 taken out for a period of 25 years on a repayment basis.

Monthly instalments: £976.72 per month for 59 months, followed by £1,117.25 per month for 240 months.

Total amount payable: £327,139.48

Total amount of credit: £197,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £788, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.5% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

90% Residential fixed for 3 years See example 3.19% 4.70% APRC 90% 0.4% (£599 min)
£XXX.xx per month
See details

Representative example: A mortgage of £143,000 taken out for a period of 30 years on a repayment basis.

Monthly instalments: £618.67 per month for 35 months, followed by £750.39 per month for 324 months.

Total amount payable: £265,933.81

Total amount of credit: £143,000

The total amount payable includes administration fee £125, valuation fee £255, product fee £599, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.7% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

This section is for use by professional Intermediaries only. If you are a customer please visit our Mortgage section.