Remortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


Our mortgages

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2 Year Discount 60% LTV Remortgage

Initial Interest Rate

4.80%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.40%

Product Code

IP246

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a discounted variable rate of 4.80% for 2 years, a further discounted variable rate of 6.89% for 4 years, followed by our Standard Variable Rate of 8.14%. In this example you would make 24 monthly payments of £1,031.39, 48 payments of £1,244.94 and 228 monthly payments of £1,364.15.

The total amount payable would be £396,858.68 made up of the loan amount plus interest of £215,536.68 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

2 Year Discount 80% LTV Remortgage

Initial Interest Rate

4.95%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

7.40%

Product Code

IP282

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a discounted variable rate of 4.95% for 2 years, a further discounted variable rate of 6.89% for 4 years, followed by our Standard Variable Rate of 8.14%. In this example you would make 24 monthly payments of £1,047.03, 48 payments of £1,246.11 and 228 monthly payments of £1,365.42.

The total amount payable would be £397,551.76 made up of the loan amount plus interest of £216,257.76 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£220.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Later Life Lending - 5 Year Fixed Rate 60% LTV Remortgage (fixed until 30.09.2030)

Initial Interest Rate

4.69%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

6.80%

Product Code

IP407

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 4.69% until 30th September 2030, a further discounted rate of 6.89% until 30th September 2031, followed by our Standard Variable Rate of 8.14%. In this example you would make 60 monthly payments of £1,020.01, 12 payments of £1,219.52 and 228 monthly payments of £1,336.29.

The total amount payable would be £380,831.96 made up of the loan amount plus interest of £200,508.96 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 6.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Buy to Let - 5 Year Fixed Rate 60% LTV Remortgage (fixed until 30.09.2030)

Initial Interest Rate

4.49%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

6.80%

Product Code

IP408

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 4.49% until 30th September 2030, followed by our Standard Variable Rate of 8.14%. In this example you would make 60 monthly payments of £999.48 and 240 monthly payments of £1,336.37.

The total amount payable would be £381,020.60 made up of the loan amount plus interest of £200,697.60 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 6.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Buy to Let - 2 Year Fixed Rate 60% LTV Remortgage (fixed until 31.01.2028)

Initial Interest Rate

4.79%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.60%

Product Code

IP409

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 4.79% until 31st January 2028, followed by our Standard Variable Rate of 8.14%. In this example you would make 28 monthly payments of £1,030.36 and 272 monthly payments of £1,377.49.

The total amount payable would be £403,850.36 made up of the loan amount plus interest of £223,527.36 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Limited Company Buy to Let - 5 Year Fixed Rate 60% LTV Remortgage (fixed until 30.09.2030)

Initial Interest Rate

4.49%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

6.80%

Product Code

IP413

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 4.49% until 30th September 2030, followed by our Standard Variable Rate of 8.14%. In this example you would make 60 monthly payments of £999.48 and 240 monthly payments of £1,336.37.

The total amount payable would be £381,020.60 made up of the loan amount plus interest of £200,697.60 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 6.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Limited Company Buy to Let - 2 Year Fixed Rate 60% LTV Remortgage (fixed until 31.01.2028)

Initial Interest Rate

4.79%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.60%

Product Code

IP414

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 4.79% until 31st January 2028, followed by our Standard Variable Rate of 8.14%. In this example you would make 28 monthly payments of £1,030.36 and 272 monthly payments of £1,377.49.

The total amount payable would be £403,850.36 made up of the loan amount plus interest of £223,527.36 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£248.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.