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2 Year Discount 60% LTV Remortgage
Initial Interest Rate
4.95%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
7.50%
Product Code
IP246
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 4.95% 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 £1,260.12, 48 payments of £1,519.08 and 228 monthly payments of £1,663.68.
The total amount payable would be £483,826.76 made up of the loan amount plus interest of £265,843.76 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), 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.
2 Year Discount 80% LTV Remortgage
Initial Interest Rate
5.10%
Maximum Loan To Value (LTV)
80%
Overall Cost for Comparison
7.60%
Product Code
IP282
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.10% 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 £1,279.07, 48 payments of £1,520.49 and 228 monthly payments of £1,665.22.
The total amount payable would be £484,650.36 made up of the loan amount plus interest of £266,717.36 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), 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.
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
Please note this representative example takes into account the reduction in interest rates due to take effect on 24th October 2025.
Standard Variable Rate (8.29% reducing to 8.14%) and Follow on Variable Rate (7.04% reducing to 6.89%). The Representative Example uses the lower Standard Variable Rate of 8.14% and Follow on Variable Rate of 6.89%.
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
Please note this representative example takes into account the reduction in interest rates due to take effect on 24th October 2025.
Standard Variable Rate (8.29% reducing to 8.14%). The Representative Example uses the lower Standard Variable Rate of 8.14%.
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
Please note this representative example takes into account the reduction in interest rates due to take effect on 24th October 2025.
Standard Variable Rate (8.29% reducing to 8.14%). The Representative Example uses the lower Standard Variable Rate of 8.14%.
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.