Remortgaging

Representative example: A mortgage of £135,000 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £371.25 per month for 23 months, followed by £614.91 per month for 192 months.
Total amount payable: £262,955.47.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.3% representative APRC.
This example relates to the Buy to Let 3.3% variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £371.25 per month for 23 months, followed by £614.93 per month for 192 months.
Total amount payable: £263,459.31.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £255, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example relates to the Buy to Let 3.3% variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £215,000.00 taken out for a period of 26 years on an interest only basis.
Monthly instalments: £725.63 per month for 23 months, followed by £979.94 per month for 288 months.
Total amount payable: £515,906.21.
Total amount of credit: £215,000.00.
The total amount payable includes valuation fee £395, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the Holiday Let 4.05% variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £245,000.00 taken out for a period of 25 years on an interest only basis.
Monthly instalments: £826.88 per month for 23 months, followed by £1,116.67 per month for 276 months.
Total amount payable: £574,713.16.
Total amount of credit: £245,000.00.
The total amount payable includes valuation fee £395, product fee £1,999 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the Ltd Company Holiday Let 4.05% variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £210,000.00 taken out for a period of 18 years on a repayment basis.
Monthly instalments: £1,216.81 per month for 23 months, followed by £1,502.85 per month for 192 months.
Total amount payable: £317,972.83.
Total amount of credit: £210,000.00.
The total amount payable includes valuation fee £340, product fee £999 and closing fee £100.
The overall cost for comparison is 5.0% representative APRC.
This example is based on our Residential variable for two years product.  It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £200,000.00 taken out for a period of 30 years on a repayment basis.
Monthly instalments: £903.97 per month for 23 months, followed by £1,122.08 per month for 336 months.
Total amount payable: £399,194.19.
Total amount of credit: £200,000.00.
The total amount payable includes valuation fee £285, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example is based on our Residential variable for 2 years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £95,000.00 taken out for a period of 17 years on an interest only basis.
Monthly instalments: £285 per month for 203 months.
Total amount payable: £153,909.00.
Total amount of credit: £95,000.00.
The total amount payable includes valuation fee £255, product fee £699 and closing fee £100.
The overall cost for comparison is 3.7% representative APRC.
The APRC is based on a mortgage which runs for 17 years. The 17 year term and the APRC are used for illustration purposes only, as the Retirement Mortgage does not have a set term. The actual APRC will depend on how long the mortgage actually runs for. To compare mortgages from different lenders you will need to obtain illustrations for the same term.

This example relates to the Retirement mortgage (power of attorney) variable lifetime discount product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £110,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £375.83 per month for 215 months.
Total amount payable: £191,887.45.
Total amount of credit: £110,00.00.
The total amount payable includes valuation fee £285, product fee £699 and closing fee £100.
The overall cost for comparison is 4.3% representative APRC.
The APRC is based on a mortgage which runs for 18 years. The 18 year term and the APRC are used for illustration purposes only, as the Retirement Mortgage does not have a set term. The actual APRC will depend on how long the mortgage actually runs for. To compare mortgages from different lenders you will need to obtain illustrations for the same term.

This example relates to the Retirement mortgage (non power of attorney) variable lifetime discount product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own specific requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £432.00 per month for 23 months, followed by £615.19 per month for 192 months.
Total amount payable: £265,231.48.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the HMO variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £432.00 per month for 23 months, followed by £615.19 per month for 192 months.
Total amount payable: £265,731.48.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £1,999 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the HMO variable for two years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 34 years on a repayment basis.
Monthly instalments: £570.18 per month for 23 months, followed by £723.47 per month for 384 months.
Total amount payable: £292,280.62.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC. This example is based on our 80% Rent A Room variable for 2 years product.  It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis.
Monthly instalments: £545.75 per month for 59 months, followed by £843.06 per month for 216 months.
Total amount payable: £400,684.21.
Total amount of credit: £185,000.00.
The total amount payable includes valuation fee £285, product fee £999 and closing fee £100.
The overall cost for comparison is 5.0% representative APRC.
This example relates to the Buy to Let 3.54% fixed for five years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis.
Monthly instalments: £431.42 per month for 23 months, followed by £706.06 per month for 240 months.
Total amount payable: £335,731.06.
Total amount of credit: £155,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example relates to the Buy to Let 3.34% fixed for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis.
Monthly instalments: £545.75 per month for 59 months, followed by £843.06 per month for 216 months.
Total amount payable: £401,184.21.
Total amount of credit: £185,000.00.
The total amount payable includes valuation fee £285, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.0% representative APRC.
This example relates to the Buy to Let Ltd Co 3.54% fixed for five years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis.
Monthly instalments: £431.42 per month for 23 months, followed by £706.06 per month for 240 months.
Total amount payable: £336,261.06.
Total amount of credit: £155,000.00.
The total amount payable includes valuation fee £285, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example relates to the Buy to Let Ltd Co 3.34% fixed for two years product.  It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis.
Monthly instalments: £584.29 per month for 59 months, followed by £843.31 per month for 216 months.
Total amount payable: £403,067.07.
Total amount of credit: £185,000.00.
The total amount payable includes valuation fee £340, product fee £999 and closing fee £100.
The overall cost for comparison is 5.1% representative APRC.
This example relates to the Holiday Let 3.79% fixed for five years product.  It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis.
Monthly instalments: £476.63 per month for 23 months, followed by £706.30 per month for 240 months.
Total amount payable: £336,858.49.
Total amount of credit: £155,000.00.
The total amount payable includes valuation fee £285, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example relates to the Holiday Let 3.69% fixed for two years product.  It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis.
Monthly instalments: £584.29 per month for 59 months, followed by £843.31 per month for 216 months.
Total amount payable: £403,567.07.
Total amount of credit: £185,000.00.
The total amount payable includes valuation fee £340, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.1% representative APRC.
This example relates to the Holiday Let 3.79% fixed for five years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis.
Monthly instalments: £476.63 per month for 23 months, followed by £706.30 per month for 240 months.
Total amount payable: £337,358.49.
Total amount of credit: £155,000.00.
The total amount payable includes valuation fee £285, product fee £1,499, and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example relates to the Holiday Let 3.69% fixed for two years product. It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £150,000.00 taken out for a period of 19 years on a repayment basis.
Monthly instalments: £869.72 per month for 59 months, followed by £1,016.47 per month for 168 months.
Total amount payable: £223,434.44.
Total amount of credit: £150,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 4.5% representative APRC.
This example is based on the Residential Fixed for 5 years product (maximum loan £250,000). It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £320,000.00 taken out for a period of 16 years on a repayment basis.
Monthly instalments: £2,099.87 per month for 59 months, followed by £2,396.17 per month for 132 months.
Total amount payable: £441,680.77.
Total amount of credit: £320,000.00.
The total amount payable includes valuation fee £395, product fee £999 and closing fee £100.
The overall cost for comparison is 4.2% representative APRC.
This example is based our Residential Fixed for 5 years mortgage (minimum loan £250,000). It is based on our current Standard Variable Rate of 5.45%, with no fees added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £275,000.00 taken out for a period of 30 years on a repayment basis.
Monthly instalments: £1,273.93 per month for 59 months, followed by £1,521.35 per month for 300 months.
Total amount payable: £533,005.87.
Total amount of credit: £275,000.00.
The total amount payable includes valuation fee £340, product fee £999 and closing fee £100.
The overall cost for comparison is 5.0% representative APRC.
This example is based on our 95% residential fixed for 5 years (minimum loan £250,000) product. This example is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £190,000.00 taken out for a period of 28 years on a repayment basis.
Monthly instalments: £925.29 per month for 59 months, followed by £1,082.28 per month for 276 months.
Total amount payable: £354,655.39.
Total amount of credit: £190,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.0% representative APRC.
This example is based on our 95% Residential fixed for 5 years (maximum loan £250,000) product. This example is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £200,000.00 taken out for a period of 31 years on a repayment basis.
Monthly instalments: £606.67 per month for 23 months, followed by £911.24 per month for 348 months.
Total amount payable: £532,448.93.
Total amount of credit: £200,000.00.
The total amount payable includes valuation fee £285, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC.
This example is based on our 95% Residential fixed for 2 years product.  It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £347.63 per month for 23 months, followed by £614.82 per month for 192 months.
Total amount payable: £262,719.93.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £999 and closing fee £100.
The overall cost for comparison is 5.3% representative APRC.
This example relates to the HMO fixed for two years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £205,000.00 taken out for a period of 20 years on an interest only basis.
Monthly instalments: £562.04 per month for 59 months, followed by £933.97 per month for 180 months.
Total amount payable: £407,953,96.
Total amount of credit: £205,000.00.
The total amount payable includes valuation fee £580, product fee £999 and closing fee £100.
The overall cost for comparison is 4.9% representative APRC.
This example relates to the HMO fixed for five years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £205,000.00 taken out for a period of 20 years on an interest only basis.
Monthly instalments: £562.04 per month for 59 months, followed by £933.96 per month for 180 months.
Total amount payable: £408,452.16.
Total amount of credit: £205,000.00.
The total amount payable includes valuation fee £580, product fee £1,499, and closing fee £100.
The overall cost for comparison is 4.9% representative APRC.
This example relates to the HMO Ltd Co fixed for five years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £347.63 per month for 23 months, followed by £614.81 per month for 192 months.
Total amount payable: £263,218.01.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC. This example relates to the HMO Ltd Co fixed for two years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £180,000.00 taken out for a period of 27 years on a repayment basis.
Monthly instalments: £ 874.94 per month for 23 months, followed by £ 1,055.60 per month for 300 months.
Total amount payable: £337,243.62.
Total amount of credit: £180,000.00.
The total amount payable includes valuation fee £340 and closing fee £100.
The overall cost for comparison is 5.3% representative APRC.
This example is based on our Shared Ownership fixed for 2 years product.  It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £145,000.00 taken out for a period of 23 years on a repayment basis.
Monthly instalments: £793.66 per month for 59 months, followed by £902.88 per month for 216 months.
Total amount payable: £242,233.02.
Total amount of credit: £145,000.00.
The total amount payable includes valuation fee £285 and closing fee £100.
The overall cost for comparison is 4.9% representative APRC.

This example is based on our Shared Ownership fixed for 5 years product.  It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own specific requirements.

Representative example: A mortgage of £135,000.00 taken out for a period of 34 years on a repayment basis.
Monthly instalments: £577.99 per month for 23 months, followed by £723.98 per month for 384 months.
Total amount payable: £292,656.09.
Total amount of credit: £135,000.00
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.4% representative APRC. This example is based on our 80% Rent A Room fixed for 2 years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.

Representative example: A mortgage of £190,000.00 taken out for a period of 32 years on a repayment basis.
Monthly instalments: £861.38 per month for 59 months, followed by £1,028.28 per month for 324 months.
Total amount payable: £385,368.14.
Total amount of credit: £190,000.00.
The total amount payable includes valuation fee £285, product fee £999 and closing fee £100.
The overall cost for comparison is 5.1% representative APRC.

This example is based on our 80% Rent A Room fixed for 5 years product.  It is based on our Shared Ownership fixed for 2 years product.  It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1^st June 2022.

Please ask for a personalised illustration for your own particular requirements.