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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.43 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 1.43% for 24-months following completion of the mortgage and then on a variable rate of 4.24% for the remaining 23 years and would require 25 payments of £1,249.47 followed by 275 payments of £ 1,666.41.The total amount payable would be £492,354.77 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With a £1,499 lender’s arrangement fee being paid upfront along with a £200 basic mortgage valuation fee.

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 % for 24-months following completion of the mortgage and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £1,280.73 followed by 276 payments of £1,671.15. The total amount payable would be £494,858.92 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. This is based on the £999 lender’s arrangement fee being paid upfront along with a £520 basic valuation mortgage.

Buy to Let Fixed Base Rate + 0.64 31/05/2021 4.5% APR 31/05/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a Bank of England base rate currently 0.75%+ 0.64% tracker rate until 31/05/2021 years at 1.39% currently and then on a variable rate of 4.74% for the remaining 23 years. The mortgage would require 24 payments of £364.87 followed by 276 payments of £1,244.25. The total amount payable would be £670,834.88. The overall cost for comparison is 4.5% APRC representative. This is based on the £1,995 lender’s arrangement 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 1.48 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 1.48% until 30/06/2021 and then on a variable rate of 4.24% for the remainder of the mortgage. The mortgage would require 25 payments of £1,256.84 followed by 275 payments of £1,667.18. The total amount payable would be £492.750 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £1,499.00 lender’s arrangement 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 4.3% for a period of 24 months, giving a current rate of 1.39%. This would be followed by a variable rate which is 1.00% below the lenders Standard Variable rate currently 5.69%, giving a current rate payable of 4.69% for a period of 36 months and the remaining 20 years would require payments of the lenders standard variable rate currently 5.69%. This would require 24 payments of £1,243.58 followed by 36 payments of £1,740.77 and 240 payments of £1,891.60. The total amount payable would be £548,845.64 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 arrangement fee being paid upfront.

Tracker Base Rate + 0.63 31/05/2021 4.8% APR 31/05/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a tracker rate which is +0.63% above bank base rate currently 0.75% for 25 months, giving a current rate of 1.38%. This would be followed by a variable rate which is 1.00% below the lenders standard variable rate currently 5.69%, giving a current rate payable of 4.69% for a period of 36 months and the remaining 20 years would require payments of the lenders standard variable rate which currently is 5.69%. This would require 24 payments of £1,242.12 followed by 36 monthly payments (at a variable rate currently 4.69%) of £1,740.61 and 240 payments (at a variable rate of 5.69%) of £1,891.43. The total amount payable would be £548,764.04 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 arrangement fee being paid upfront.