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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.44 30/06/2021 3.9% APR 30/06/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.44% until 30/06/2021 and then on a variable rate of 4.24% for the remaining 23 years would require 25 payments of £1,250.94 followed by 275 payments of £1,666.57. The total amount payable would be £492,134.25 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £995 lender’s product fee being paid upfront.

Offset 1.64 31/05/2021 3.9% APR 31/05/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.64% until 31/05/2021 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 £494,845.64 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £999 lender’s product fee being paid upfront.

Buy to Let Fixed 1.73 01/09/2021 4.9% APR 01/09/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.73% until 01/09/2021 and then on a variable rate of 5.19% for the remaining 23 years would require 27 payments of £454.13 followed by 273 payments of £1,362.38. The total amount payable would be £701,491.25. The overall cost for comparison is 4.9% APRC representative. This is based on the £1,995 lender’s product fee being paid upfront. 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 1.44 30/06/2021 3.8% APR 30/06/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.44% until 30/06/2021 with payments of £1,250.94 and then on a variable rate of 4.24% for the remainder of the mortgage with monthly payments of £1,666.57. The total amount payable would be £491,279.25 made up of the loan amount plus interest. The overall cost for comparison is 3.8% APRC representative. With £1,499 lender’s product fee being paid upfront.

Discount 1.39 24 months 4.8% APR 24 months Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 5.69% with a discount of 4.30% for 2 years, giving a current rate payable of 1.39%. This would be followed by a variable rate which is 1.00% below the lenders Standard Variable Rate, currently 5.69% for a period of 36 months, giving a current rate payable of 4.69% Followed by a variable rate of 5.69% for the remaining 20 years and would require 24 payments of £1,243.72 followed by 36 payments of £1,740.96 followed by 240 payments of £1,891.81. The total amount payable would be £547,876.24 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. This is based on the £999 lender’s product fee being paid upfront.

Tracker Base Rate + 0.63 30/06/2021 3.8% APR 30/06/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on the Bank of England base rate currently 0.75%+ 0.63% tracker rate for 2 years at 1.38% payable currently and then on a variable rate of 4.24% for the remaining 23 years would require 25 payments of £1,242.12 followed by 275 payments of £1,665.64. The total amount payable would be £490,464.27 made up of the loan amount plus interest. The overall cost for comparison is 3.8% APRC representative. Based on the £999 lender’s product fee being paid upfront.