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Owner Occupied/Residential - fixed rate mortgages

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. Available to First Time Buyers.

Product Criteria

  • Free Valuation Fees. Full details can be found here.
  • Minimum age 21
  • Minimum term 5 Years
  • Maximum Term 40 Years
  • Interest only or repayment
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum loan size £30,000
  • Maximum loan size £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s

Owner Occupied/Residential - fixed rate mortgages

Owner Occupied Five Year Fixed Rate Mortgage

Initial rate

3.07% (fixed)

Product period

31.03.2026

Then changing to our SVR minus 1.00%

4.39%

Deposit required

20.00%

The overall cost for comparison is

3.50% APRC

Arrangement fee

£999

Owner Occupied Two Year Fixed Rate Mortgage

Initial rate

2.67% (fixed)

Product period

31.03.2023

Then changing to our SVR minus 1.00%

4.39%

Deposit required

20.00%

The overall cost for comparison is

3.90% APRC

Arrangement fee

£999

Two Year Fixed Rate Retro Fit Mortgage

Initial rate

2.67% (fixed)

Product period

30.04.2023

Then changing to our SVR rate minus 1.00%

4.39%

Deposit required

20.00%

The overall cost for comparison is

3.90% APRC

Arrangement fee

£999

Your home may be repossessed if you do not keep up payments on your mortgage