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.


Our mortgages

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2 Year Fixed Rate 90% LTV (fixed until 31.03.2027)

Initial Interest Rate

5.39%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

7.70%

Product Code

IP271

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.39% until 31st March 2027, a further discounted rate of 7.34% until 31st January 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,397.33, 48 payments of £1,654.28 and 222 monthly payments of £1,806.87.

The total amount payable would be £524,025.48 made up of the loan amount plus interest of £292,450.48 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 7.70% 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 31.03.2027)

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

7.90%

Product Code

IP272

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 March 2027, a further discounted rate of 7.34% until 31st January 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 29 monthly payments of £1,480.49, 48 payments of £1,661.91 and 223 monthly payments of £1,815.72.

The total amount payable would be £528,910.45 made up of the loan amount plus interest of £297,611.45 and the following costs, a Scheme Fee (£999.00), 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 7.90% APRC representative.

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

2 Year Fixed Rate 60% LTV Remortgage (fixed until 28.02.2027)

Initial Interest Rate

5.04%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.60%

Product Code

IP264

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.04% until 28th February 2027, a further discounted rate of 7.34% until 28th February 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,271.47, 48 payments of £1,554.03 and 222 monthly payments of £1,697.37.

The total amount payable would be £489,928.68 made up of the loan amount plus interest of £272,919.68 and the following costs,  a CHAPS fee (£25.00), a standard Valuation fee (£275.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.60% APRC representative.

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

2 Year Fixed Rate 80% LTV Remortgage (fixed until 28.02.2027)

Initial Interest Rate

5.44%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

7.70%

Product Code

IP265

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a fixed rate of 5.44% until 28th February 2027, a further discounted rate of 7.34% until 28th February 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,322.57, 48 payments of £1,558.72 and 222 monthly payments of £1,702.50.

The total amount payable would be £492,775.66 made up of the loan amount plus interest of £275,816.66 and the following costs, 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 7.70% APRC representative.

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