3 Year Fixed Rate Mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage

ProductBooking FeeApplication FeeInitial rateThen changing toThe overall rate for comparison
3 Year Fixed Rate (up to 90% LTV)   £100    (non refundable) £895 3.39% Fixed until 31 July 2017 Standard variable rate, currently 5.19%
5.00% APR*

* The actual rate available will depend upon your circumstances.  Ask for a personalised illustration.

Interest rate applicable from 17 April 2014

Benefits

  • Peace of mind with a fixed rate for 3 years
  • During the product period, no early repayment charge will be incurred in respect of capital repayments of up to 10% of the original loan amount, made in any twelve month period, from the date of completion.
  • Cashback £250.

Points to note

  • Completion must take place on or before 31 July 2014
  • An early repayment charge of 2% applies until 31 July 2017
  • Maximum loan to value 90% (excluding any fees added to the loan)
  • Maximum loan to value 75% for capital raising (excluding fees) - 'loan to value' is your total mortgage amount divided by the purchase price or valuation, whichever is lower.
  • Minimum loan £30,000
  • Maximum loan £500,000 (loan size restrictions apply see terms and conditions)
  • Sealing fee/administration fee on redemption of mortgage is £125
  • Houses within England (including Isle of Wight) and Wales are an accepted type of security.
  • Unacceptable property types are flats, maisonettes and houses converted into flats
  • A booking fee of £100 is payable up front, which is non-refundable.
  • An application fee of £895 is payable.  This can either be paid up front or may be added to the loan, if required.
  • A Valuation fee is payable up front by the applicant.  The valuation fee will be calculated as a proportion of the value of the property and will be refunded on completion on a property value up to £500,000 for a standard mortgage valuation.  Please note that this is not a survey of the property  - please refer to the 'Valuation fee' section in our 'Homebuyers Guide' for further details.
  • A Higher Lending Charge (HLC) is payable.
  • Purchase /Re-mortgage will not be acceptable unless the owner/vendor has been registered with the Land Registry for at least six months.

Other important information

Click to read our terms and conditions

Available for

  • Purchase or remortgage of main residential property.

Your home may be repossessed if you do not keep up repayments on your mortgage

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