Fixed rate mortgages for purchase or re-mortgage.
A fixed rate mortgage offers borrowers the peace of mind of a set monthly payment during the term of the mortgage deal.
Our fixed rate mortgages offer competitive rates with all applications being individually assessed by a skilled underwriter giving an efficient and personal service.
For joint applications, both applicants must be current or previous home owners. If one applicant is a first time buyer, the case must be place on one of our First Time Buyer products.
If one applicant is self-employed with 1 year accounts, the case must be placed on our Self Employed range. If they have been trading for more than 2 years, please place the case on one of our Owner Occupier or First Time Buyer products as applicable.
Product Criteria 80% LTV
- Free Valuation Fees
- Minimum age 21
- Interest only or repayment
- Interest only to 70% max LTV and subject to an acceptable repayment strategy
- Minimum loan size £100,000
- Maximum loan size: £3,000,000 up to 80% LTV.
Product Criteria 80% LTV Large Loan
- Minimum age 21
- Interest only or repayment
- Interest only to 70% max LTV and subject to an acceptable repayment strategy
- Minimum loan size £3,000,000
- Maximum loan size: £5,000,000 up to 80% LTV.
Product Criteria 90% LTV
- For joint applications, one applicant must be a previous/current homeowner
- Free Valuation Fees
- Minimum age 21
- Repayment only
- Minimum loan size £100,000
- Maximum loan size: £3,000,000 up to 80% LTV, £1,000,000 up to 90% LTV.
Retro Fit
Product Criteria
- Free valuation
- Minimum age 21
- Interest only or repayment
- Interest only to 70% max LTV and subject to an acceptable repayment strategy
- Minimum loan size £100,000
- Maximum loan size: £3,000,000 up to 80% LTV, £1,000,000 up to 85% LTV and £650,000 up to 90% LTV.
- Loans over this are priced on a bespoke basis and have restricted LTVs
- EPC Certificate to be provided at application
- Energy Improvement Reward available if the EPC band of property is improved – to a minimum of Band E – within 6 months of completion of the mortgage
Energy Improvement Reward (EIR) Criteria
- Upon us receiving evidence of the improved EPC rating (to a minimum of Band E), a rate reduction of 0.10% will be applied to the mortgage for the remaining term of the fixed rate period Energy Improvement Reward Criteria
- The EPC rating of the property must be improved – to a minimum of E
- The energy efficiency improvement works must be completed within 6 months of completion of the mortgage
- Evidence of the improved EPC band must be provided upon completion of the works
- We recommend that you seek specialist guidance before conducting the works to improve the energy efficiency of your home