Date Printed: 29 March 2025
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Mortgage Products | Term | Initial Rate1 | Overall Cost for Comparison2 | MAX LTV3 | Early Repayment Change | Product Fees | See Representative Example | |||||||||||
Buy to Let Mortgages (8) |
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Buy to Let – DIB091
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Term:2 years |
Initial Rate1:5.19% variable |
Overall Cost for Comparison2:7.9% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
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Term:2 years |
Initial Rate1:5.84% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.2% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2% completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.59% variable |
Overall Cost for Comparison2:8.0% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
Family Buy to Let 2 Year Discounted Variable Rate – DIB097
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Term:2 years |
Initial Rate1:5.15% variable |
Overall Cost for Comparison2:8.0% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
Expat Buy to Let 2 Year Discounted Variable Rate – DIB093
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Term:2 years |
Initial Rate1:5.58% variable |
Overall Cost for Comparison2:8.0% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB096
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Term:2 years |
Initial Rate1:5.55% variable |
Overall Cost for Comparison2:8.0% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Buy to Let – DIB071
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Term:2 years |
Initial Rate1:4.79% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2.50% completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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First Time Buyer (8) |
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX282
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Term:2 years |
Initial Rate1:6.54% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX281
|
Term:2 years |
Initial Rate1:5.75% |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
House Purchase Only 2 Year Fixed Rate – DIX280
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Term:2 years |
Initial Rate1:6.74% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID177
|
Term:2 years |
Initial Rate1:4.50% variable |
Overall Cost for Comparison2:6.4% APRC |
MAX LTV3:70% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Discounted Variable Rate House Purchase Only – DID176
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Term:2 years |
Initial Rate1:5.49% variable |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID175
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Term:2 years |
Initial Rate1:4.95% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID174
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Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:6.5% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID171
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Term:2 years |
Initial Rate1:5.24% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Holiday Lets (3) |
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB095
|
Term:2 years |
Initial Rate1:5.84% variable |
Overall Cost for Comparison2:8.1% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £999 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Limited Company Holiday Buy to Let – DIB094
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Term:2 years |
Initial Rate1:5.25% variable |
Overall Cost for Comparison2:8.2% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, 2% completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:27 February 2025
2 Year Discounted Variable Rate Holiday Buy to Let – DIB087
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Term:2 years |
Initial Rate1:5.59% variable |
Overall Cost for Comparison2:8.0% APRC |
MAX LTV3:75% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £1,499 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Interest Only (6) |
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX282
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Term:2 years |
Initial Rate1:6.54% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX281
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Term:2 years |
Initial Rate1:5.75% |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID177
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Term:2 years |
Initial Rate1:4.50% variable |
Overall Cost for Comparison2:6.4% APRC |
MAX LTV3:70% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID175
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Term:2 years |
Initial Rate1:4.95% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID174
|
Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:6.5% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID171
|
Term:2 years |
Initial Rate1:5.24% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Moving Home (8) |
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX282
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Term:2 years |
Initial Rate1:6.54% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX281
|
Term:2 years |
Initial Rate1:5.75% |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Last Updated:25 March 2025
House Purchase Only 2 Year Fixed Rate – DIX280
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Term:2 years |
Initial Rate1:6.74% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 90% and up to 95% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID177
|
Term:2 years |
Initial Rate1:4.50% variable |
Overall Cost for Comparison2:6.4% APRC |
MAX LTV3:70% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate House Purchase Only – DID176
|
Term:2 years |
Initial Rate1:5.49% variable |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:over 90% and up to 95% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 Application Fee, No Completion Fee |
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Representative Example:
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID175
|
Term:2 years |
Initial Rate1:4.95% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID174
|
Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:6.5% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID171
|
Term:2 years |
Initial Rate1:5.24% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Remortgage (6) |
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX282
|
Term:2 years |
Initial Rate1:6.54% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX281
|
Term:2 years |
Initial Rate1:5.75% |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID177
|
Term:2 years |
Initial Rate1:4.50% variable |
Overall Cost for Comparison2:6.4% APRC |
MAX LTV3:70% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £800 completion fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID175
|
Term:2 years |
Initial Rate1:4.95% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID174
|
Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:6.5% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID171
|
Term:2 years |
Initial Rate1:5.24% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Retirement (6) |
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX282
|
Term:2 years |
Initial Rate1:6.54% |
Overall Cost for Comparison2:7.0% APRC |
MAX LTV3:Over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Fixed Rate – DIX281
|
Term:2 years |
Initial Rate1:5.75% |
Overall Cost for Comparison2:6.8% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 Application Fee, £800 Completion Fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID177
|
Term:2 years |
Initial Rate1:4.50% variable |
Overall Cost for Comparison2:6.4% APRC |
MAX LTV3:70% |
Early Repayment Change:2% in year one, followed by 1% in year two |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID175
|
Term:2 years |
Initial Rate1:4.95% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:80% |
Early Repayment Change:nil |
Product Fees:£199 application fee, £1,800 completion fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
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Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID174
|
Term:2 years |
Initial Rate1:4.75% variable |
Overall Cost for Comparison2:6.5% APRC |
MAX LTV3:80% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
||||||||||||
Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
|
||||||||||||||||||
Last Updated:25 March 2025
2 Year Discounted Variable Rate – DID171
|
Term:2 years |
Initial Rate1:5.24% variable |
Overall Cost for Comparison2:6.7% APRC |
MAX LTV3:over 80% and up to 90% |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:£199 application fee, £800 completion fee |
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Representative Example:
A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.
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Shared Ownership (2) |
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Last Updated:27 February 2025
Shared Ownership 2 Year Fixed Rate – SX-037
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Term:2 years |
Initial Rate1:5.99% |
Overall Cost for Comparison2:6.9% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:2% in Year 1, 1% in Year 2 |
Product Fees:None |
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Representative Example:A mortgage of £81,000.00 payable over 40 years initially on a fixed rate of 5.99% for 2 years then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.49%) giving a rate of 6.75% variable for the remaining 38 years would require 23 monthly payments of £445.33 and 456 monthly payments of £487.77; plus one initial interest payment of £412.08. The total amount payable would be £233,577.79 made up of the loan amount, plus interest and fee(s) totalling £152,577.79. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 6.9% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. |
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Last Updated:27 February 2025
Shared Ownership Fixed Rate until 31 July 2030 – SX-040
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Term:Until 31 July 2030 |
Initial Rate1:5.39% |
Overall Cost for Comparison2:6.3% APRC |
MAX LTV3:95% of the share being purchased, 75% property value |
Early Repayment Change:3% until 31 July 2028, 2% until 31 July 2029, 1% until 31 July 2030 |
Product Fees:None |
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Representative Example:A mortgage of £99,750.00 payable over 25 years initially on a fixed rate of 5.39% until 31 July 2030 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.49%) giving a rate of 6.75% variable for the remaining 19 years 7 months would require 64 monthly payments of £606.98 and 235 monthly payments of £675.91; plus one initial interest payment of £456.64. The total amount payable would be £198,642.21 made up of the loan amount, plus interest and fee(s) totalling £98,892.21. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125). The overall cost for comparison is 6.3% APRC representative.
A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example. |
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