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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.38 31/10/2020 4.5% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.38% until 31/10/2020 and then on a variable rate of 4.99% for the remaining 23 years would require 23 payments of £1242.12 followed by 277 payments of £1792.53. The total amount payable would be £527,270.57 made up of the loan amount plus interest. The overall cost for comparison is 4.5% APRC representative. With £1,995 lender’s completion fee being paid upfront.

Offset 1.64 30/11/2020 3.9% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.64% until 30/11/2020 and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £1,280.63 followed by 276 payments of £1,671.02. The total amount payable would be £494,350.64 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. This is based on the £1,499 lender’s product fee being paid upfront

Buy to Let Fixed 1.49 30/11/2020 4.5% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.49 % until 30/11/2020 and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £393.63 and 276 payments of £1,252.21. The total amount payable would be £673,772.08. The overall cost for comparison is 4.5% APRC representative. This is based on the £1,995 lender’s arrangement fee being added to the mortgage. This is based on an interest-only mortgage where the monthly payments do not reduce the loan amount outstanding. The total amount to be repaid assumes that you pay off the amount borrowed as a lump sum at the end of the mortgage

Fixed 1.38 31/10/2020 4.5% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315.000 payable over 25 years, initially on a fixed rate of 1.38% until 31/10/2020 and then on a variable rate of 4.99% currently for the remaining 23 years would require 23 payments of £1,250.01 followed by 275 payments of £1,803.92. The total amount payable would be £529,601.07 made up of the loan amount plus interest. The overall cost for comparison is 4.5% APRC representative. With £1,995 lender’s arrangement fee being added to the mortgage.

Discount 1.29 28/02/2021 4.3% APR 28/02/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 4.99% with a discount of 3.70% until 28/02/2021, giving a current rate payable of 1.29%. This would be followed by a variable rate which is 0.74% below the lenders standard variable rate currently 4.99%, giving a current rate payable of 4.25% until 29/02/2024 and then a variable rate of 4.99% currently for the remaining term of the mortgage and would require 27 payments of £1,229.07 followed by 36 payments of £1,662.76 and then 237 payments of £1,769.48. The total amount payable would be £515,558.01 made up of the loan amount plus interest. The overall cost for comparison is 4.3% APRC representative. This is based on the £1,495 lender’s completion fee being paid upfront.

Tracker Base Rate + 0.57 31/10/2020 4.9% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on the Bank of England base rate currently 0.75%+ 0.57% tracker rate giving a rate payable of 1.32% currently until 31/10/2020 followed by a variable rate, currently 5.69% with a discount of 1.00% giving a current rate payable of 4.69% until 31/10/2023 and then on a variable rate of 5.69% for the remaining term of the mortgage would require 23 payments of £1,233.33 followed by 36 payments of £1,741.57 and then 241 payments of £1,893.00. The total amount payable would be £549,624.11 made up of the loan amount plus interest. The overall cost for comparison is 4.9% APRC representative. This is based on the £999 lender’s product fee being paid upfront.