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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.54 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 1.54% 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 24 payments of £1,265.73 followed by 276 payments of £ 1,669.56. The total amount payable would be £493,429.83 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 and a free basic mortgage valuation included in this package.

Offset 1.64 30/11/2020 3.7% 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 currently 3.99% for the remaining 23 years would require 26 payments of £1,280.73 followed by 274 payments of £1,628.50. The total amount payable would be £482,891.98 made up of the loan amount plus interest. The overall cost for comparison is 3.7% APRC representative. This is based on the £1,499 lender’s product fee being paid upfront

Buy to Let Fixed Base Rate + 0.71 31/10/2020 5.4% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a Bank of England base rate currently 0.75%+ 0.71% tracker rate until 31/10/2020 at 1.46% currently and then on a discounted variable rate of 4.99% for 3 years and then a variable rate of 5.99% for the remaining 23 years would require 25 payments of £383.25 followed by 36 payment of £1309.87 followed by 239 payments of £1,572.38. The total amount payable would be £751,383.39. The overall cost for comparison is 5.4% APRC representative. This is based on the £2,499 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 term.

Fixed 1.39 31/10/2020 4.8% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/10/2020 and then on a discounted variable rate of 4.69% for 3 years and then on a variable rate 5.69% for the remaining 20 years would require 25 payments of £1,243.58 followed by 36 payments of £1,738.92 followed by 239 payments of £1,889.08. The total amount payable would be £548,528.74 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £1999 lender’s product fee being paid upfront.

Discount 1.49 30/11/2020 4.3% APR 30/11/2020 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 3.50% until 30/11/2020, giving a current rate payable of 1.49%. This would be followed by a variable rate which is 4.99% with a discount of 0.74% giving a current rate payable until 30/11/2023, followed by a variable rate of 4.99% for the remaining 20 years and would require 26 payments of £1,258.32 followed by 36 payments of £1,667.60 and then 238 payments of £1,775.00. The total amount payable would be £516,900.04 made up of the loan amount plus interest. The overall cost for comparison is 4.3% APRC representative. This is based on the £495 lender’s completion fee being paid upfront.

Tracker Base Rate + 0.57 31/10/2020 4.8% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a tracker rate which is +0.57% above bank base rate currently 0.75% for 24 months, giving a current rate of 1.32%. This would be 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 followed by a variable rate currently 5.69% for the remaining 20 years and would require 25 payments of £1,233.33 followed by 36 payments of £1,737.79 then 239 payments of £1,887.85. The total amount payable would be £546,937.84 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.