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.

  • Affordability calculator Want to know if you can afford this mortgage?

    Gross annual income

    Mortgage details

    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 Interest rate i Overall cost for comparison i Max %
LTV i
Product
fee i
Example
Standard Residential 3.15% discount for three years 1.75% 4.2% APRC 70% 0.4% (£599 min)
  • See example

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

    Monthly instalments: £918.77 per month for 35 months, followed by £1,188.97 per month for 216 months.

    Total amount payable: £290,386.47

    Total amount of credit: £193,000

    The total amount payable includes administration fee £125, valuation fee £340, product fee £772, completion fee £75 and closing fee £100.

    The overall cost for comparison is 4.2% representative APRC.

    This example relates to the Standard Residential 3.15% discount for three years product, 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.

See details