Fixed Rate Mortgages

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.


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Fixed Rate Mortgages

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2 Year Fixed Rate 90% LTV (fixed until 31.01.2027)

Initial Interest Rate

5.59%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

7.90%

Product Code

IP262

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.59% until 31st January 2027, a further discounted rate of 7.49% until 31st January 2031, followed by our Standard Variable Rate of 8.74%. In this example you would make 30 monthly payments of £1,424.79, 48 payments of £1,677.36 and 222 monthly payments of £1,831.19.

The total amount payable would be £531,356.16 made up of the loan amount plus interest of £299,781.16 and the following costs, a Scheme Fee (£1,250.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.90% APRC representative.

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

2 Year Fixed Rate 95% LTV (fixed until 31.01.2027)

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.00%

Product Code

IP263

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.99% until 31st January 2027, a further discounted rate of 7.49% until 31st January 2031, followed by our Standard Variable Rate of 8.74%. In this example you would make 30 monthly payments of £1,515.82, 48 payments of £1,684.99 and 222 monthly payments of £1,839.52.

The total amount payable would be £536,026.56 made up of the loan amount plus interest of £304,727.56 and the following costs, a Scheme Fee (£999), a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.10% APRC representative.

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