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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. 

Product Criteria 80% LTV

  • Free Valuation Fees. Full details can be found here.
  • Minimum age 21
  • 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

Product Criteria 90% LTV

  • Not available to first time buyers 
  • Free Valuation Fees. Full details can be found here.
  • Minimum age 21
  • Repayment only
  • Minimum loan size £30,000
  • Maximum loan size £500,000
  • Loans over this are priced on a bespoke basis and have restricted LTV’s    

Owner Occupied/Residential - fixed rate mortgages

Owner Occupied 90% LTV Five Year Fixed Rate Mortgage

Initial rate

3.77% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

30.09.2026

Arrangement fee

£999

LTV rate

90.00%

APRC

4.10% APRC

Owner Occupied 90% LTV Two Year Fixed Rate Mortgage

Initial rate

3.57% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

30.09.2023

Arrangement fee

£999

LTV rate

90.00%

APRC

4.20% APRC

Owner Occupied Five Year Fixed Rate Mortgage

Initial rate

3.07% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

31.07.2026

Arrangement fee

£999

LTV rate

80.00%

APRC

3.50% APRC

Owner Occupied Two Year Fixed Rate Mortgage

Initial rate

2.67% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

31.07.2023

Arrangement fee

£999

LTV rate

80.00%

APRC

3.90% APRC

Two Year Fixed Rate Retro Fit Mortgage

Initial rate

2.67% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

31.07.2023

Arrangement fee

£999

LTV rate

80.00%

APRC

3.90% APRC

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