The rate at which your mortgage interest payments are calculated.
2.15% Fixed rate to 31.07.27
Followed by 4.49% 4.49% Variable for remainder of term
The Annual Percentage Rate of Charge (APRC) is the total cost of the mortgage shown as an annual percentage. All lenders calculate APRC the same way to help you compare mortgage details. This rate could change if a variable rate applied to your mortgage changes (e.g. Standard Variable Rate (SVR)).
Early repayment charge
This is a fee we charge if you overpay, switch or pay off your mortgage early. Early repayment charges don’t always apply – we’ll tell you if they do.
This is the fee charged on some of our mortgage products.
Your home may be repossessed if you do not keep up repayments on your mortgage.
2.15% Fixed rate to 31.07.27
4.49% Variable for remainder of term
Fees / Incentives
Application fee: None
Product fee: £999 (can be added to mortgage)
Mortgage exit fee: £125
Funds transfer fee: £8
One valuation included for properties up to the value of £1,000,000
5.00% of the balance repaid until 31.07.23, then 3.00% until 31.07.25, then 1.00% until 31.07.27
You can repay up to 10% of the capital p.a. without an early repayment charge
Max Loan to Value
Interest charged frequency
Fixed rates offer security - the interest rate on the mortgage won't change for an initial period, so the monthly payments will remain the same during this time regardless of whether interest rates rise or fall.
This product is portable and can be transferred from the existing property to a new property.
Mortgage Exit Fee
If the mortgage is paid off before the end of the agreed term, a £125 mortgage exit fee will be payable, plus any applicable early repayment charges.
Application and Valuation Fees
Application and valuation fees (where applicable) are payable on application, and are non-refundable. The application will not be processed until these fees are received. This means the product is not reserved and a valuation will not be instructed.
We will instruct one valuation (up to a maximum of £700) once we've reviewed your application. Fees will apply if the valuation costs more than £700. The valuation is for our benefit only and used to confirm whether we can lend on the property. It's important to remember that we decide the type of valuation most appropriate to the application; therefore a physical inspection of the property may not be required.
Remortgage Transfer Service
When transferring an existing mortgage, our Remortgage Transfer Service will make moving your mortgage to us even easier. For full details of what's included, please see below.
Launch date 15.10.21
Find out more about how to apply for this mortgage
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