Large Loan 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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Large Loan Mortgages

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2 Year Discount 50% LTV Large Loan

Initial Interest Rate

4.59%

Maximum Loan To Value (LTV)

50%

Overall Cost for Comparison

7.40%

Product Code

IP372

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Initial Interest Rate (4.59% reducing to 4.49%), Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Initial Interest Rate of 4.49%, Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £400,000 payable over 25 years initially on a discounted variable rate of 4.49% for 2 years, a further discounted variable rate of 7.04% for 4 years, followed by our Standard Variable Rate of 8.29%. In this example you would make 24 monthly payments of £2,221.06, 48 payments of £2,796.69 and 228 monthly payments of £3,062.90.

The total amount payable would be £888,586.76 made up of the loan amount plus interest of £485,887.76 and the following costs, a Scheme Fee of (£1,999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£625.00), 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 - 2 Year Discount 50% LTV Large Loan

Initial Interest Rate

4.99%

Maximum Loan To Value (LTV)

50%

Overall Cost for Comparison

7.50%

Product Code

IP373

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Initial Interest Rate (4.99% reducing to 4.89%), Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Initial Interest Rate of 4.89%, Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £400,000 payable over 25 years initially on a discounted variable rate of 4.89% for 2 years, a further discounted rate of 7.04% for 4 years, followed by our Standard Variable Rate of 8.29%. In this example you would make 24 monthly payments of £2,312.80, 48 payments of £2,803.84 and 228 monthly payments of £3,070.73.

The total amount payable would be £892,916.96 made up of the loan amount plus interest of £490,217.96 and the following costs, a Scheme Fee of (£1,999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£625.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.5% APRC representative.

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