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Standard residential mortgages

Buying your own home is one of the biggest financial decisions you’ll ever make. 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 mortgage team a call to chat about your individual situation.

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Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

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.

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