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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.59 24 months 3.9% APR 24 months Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.59% for 24 months, and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £1,277.28 followed by 276 payments of £1,675.69. The total amount payable would be £494,379.91 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £999 lender’s arrangement fee being added to the mortgage.

Offset 1.79 31/12/2020 4.4% APR 31/12/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.79% until 31/12/2020 and then on a variable rate of 4.99% until 31/12/2023 followed by a variable rate currently 4.99% with a discount of 4.25% for the remaining term of the mortgage would require 23 payments of £1,303.17 followed by 36 payments of £1,798.69 and then 241 payments of £1,761.12. The total amount payable would be £521,400.10 made up of the loan amount plus interest. The overall cost for comparison is 4.4% APRC representative. This is based on the £999 lender’s arrangement fee being paid upfront.

Buy to Let Fixed 1.59 31/01/2021 4.9% APR 31/01/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.59% until 31/01/2021 and then on a variable rate which is 4.49% above the Bank Base Rate currently 0.75% giving a current rate payable of 5.24% for the remaining 23 years would require 24 payments of £417.38 and 276 payments of £1,375.50. The total amount payable would be £707,111.12. The overall cost for comparison is 4.9% APRC representative. This is based on the £1,795 lender’s application 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 1.39 31/01/2021 4.8% APR 31/01/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/01/2021 and then on a variable rate of 5.69% with a discount of 1:00%, giving a current rate payable of 4.69% until 31/01/2024 followed by a variable rate currently 5.69% for the remaining term of the mortgage would require 24 payments of £1,243.72 followed by 36 payments of £1,740.96 and then 240 payments of £1,891.81. The total amount payable would be £548,876.24 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £1,999.00 lender’s product fee being paid upfront.

Discount 1.29 2 years 4.5% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 5.00% with a discount of 3.71% for 2 years, giving a current rate of 1.29%. This would be followed by a variable rate of 5.00% for the remaining 23 years and would require 24 payments of £1,228.96 followed by 276 payments of £1,790.72. The total amount payable would be £ 525,041.26 made up of the loan amount plus interest. The overall cost for comparison is 4.5% APRC representative.

Tracker Base Rate + 0.57 2 years 4.8% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a Bank of England base rate currently 0.75%+ 0.57% tracker rate for 2 years at 1.32% 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% until 31-Jan-2024 followed by the lenders Standard Variable Rate, currently 5.69%, for the remaining term of the mortgage. The initial rate of 1.32% will cost £1,233.33 for 24 months and then the next rate of 4.69% will be £1,739.68 per month for 36 months and the remaining would be on the variable rate of 5.69% and require 240 monthly payments of £1.890.42. The total amount payable would be £548,277.20 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.