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Mortage products comparison

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Retirement Interest Only (RIO) Mortgage - 3 Year Fixed

Product period

31.07.2025

Deposit required

50.00%

Arrangement fee

£999

Cost for comparison

5.20% APRC

SVR

5.39% then changing to our SVR

A mortgage of £351,349 payable over 30 years and 0 months, initially on a fixed rate for 3 years at 3.37% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 27 years 0 months, would require 36 monthly payments of £989.61 and 324 monthly payments of £1582.78.

The total amount payable would be £900,831.90 made up of the loan amount plus interest (£548,448.90) and a redemption fee of £80.

The overall cost for comparison is 5.2% APRC representative.

Retirement Interest Only (RIO) Power of Attorney - 3 Year Fixed

Product period

31.07.2025

Deposit required

50.00%

Arrangement fee

£999

Cost for comparison

5.10% APRC

SVR

5.39% then changing to our SVR

A mortgage of £351,349 payable over 30 years and 0 months, initially on a fixed rate for 3 years at 3.17% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 27 years 0 months, would require 36 monthly payments of £930.88 and 324 monthly payments of £1582.78.

The total amount payable would be £898,978.64 made up of the loan amount plus interest (£546,334.60)and a redemption fee of £80.

The overall cost for comparison is 5.1% APRC representative.

Five Year Fixed Rate Mortgage 60% LTV - DR1215

Product period

Five years

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

5.30% APRC

SVR

7.99% then changing to our SVR minus 1.00%

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
• 60 monthly repayments of £672.12. You'll pay this at a fixed rate for 5 years at 4.37%, followed by
• 59 monthly repayments of £732.17. You'll pay this on our Standard Variable Rate, which is currently at 7.99%.

The total amount you'd need to pay would be £83,605.23, made up of the loan amount (64,812.00), plus interest (£18,793.23) and a mortgage exit fee of £80.

The overall cost for comparison is 5.30% APRC representative.

Residential Two Year Fixed Rate Mortgage 60% LTV - DR1447

Product period

Two years

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,146.69. You'll pay this at a fixed rate for 2 Years at 4.37%, followed by
· 306 monthly repayments of £1,557.01. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £504,045.62, made up of the loan amount (£220,000.00), plus interest (£284,045.62) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Three Year Discount Mortgage - Lending Into Retirement 60% LTV - DR0655

Product period

Three

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.79% then changing to our SVR minus 1.00%

For a mortgage of £351,349.00 borrowed over 10 years 0 months, you'll need to make:
· 36 monthly repayments of £3,928.12. You'll pay this at a discounted rate for 3 Years at 6.09%, followed by
· 84 monthly repayments of £4,150.66. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.79%. This gives an SVR rate of 7.79%.

The total amount you'd need to pay would be £490,147.76, made up of the loan amount (£351,349.00), plus interest (£138,798.76) , a product fee of £999 and a mortgage exit fee of £80.

The overall cost for comparison is 7.2% APRC representative.

Residential Five Year Fixed Rate Mortgage 60% LTV - DR1448

Product period

5 years

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

6.30% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,096.52. You'll pay this at a fixed rate for 5 Years at 3.97%, followed by
· 270 monthly repayments of £1,506.51. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £472,628.90, made up of the loan amount (£220,000.00), plus interest (£252,628.90) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.3% APRC representative.

Self Employed 60% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

40.00%

Arrangement fee

£499

Cost for comparison

4.10% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Discounted rate for 2 years 0 months at 2.49% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,459.58 and 216 monthly payments of £1,702.34.

The total amount payable would be £402,734.70 made up of the loan amount plus interest (£127,037.70), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Two Year Fixed Rate Mortgage - DR1059

Product period

Fixed until 28/02/2025

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

5.50% APRC

SVR

6.19% then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 2 years 0 months at 3.97% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 7 years 11 months, would require 24 monthly payments of £659.75 and 95 monthly payments of £716.56

The total amount payable would be £83,906.98 made up of the loan amount plus interest (£19,094.98) and a redemption fee of £80.

The overall cost for comparison is 5.5% APRC representative.

Self Employed 60% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

40.00%

Arrangement fee

£499

Cost for comparison

4.10% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Discounted rate for 2 years 0 months at 2.49% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,459.58 and 216 monthly payments of £1,702.34.

The total amount payable would be £402,734.70 made up of the loan amount plus interest (£127,037.70), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Contractor 60% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

40.00%

Arrangement fee

£499

Cost for comparison

4.10% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a discounted rate for 2 years 0 months at 2.39% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,239.26 and 216 monthly payments of £1,457.52.

The total amount payable would be £344,566.66 made up of the loan amount plus interest (£108,318.66) and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative

Two Year Fixed Rate Mortgage

Product period

31.12.2024

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

4.70% APRC

SVR

6.19% Then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 2 years 0 months at 2.07% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 7 years 11 months, would require 24 monthly payments of £602.92 and 95 monthly payments of £704.30

The total amount payable would be £81458.58 made up of the loan amount plus interest (£16,566.20) and a redemption fee of £80.

The overall cost for comparison is 4.7% APRC representative.

Three Year Discount Mortgage – Lending into Retirement DR0655

Product period

Three Years

Deposit required

40.00%

Arrangement fee

£180

Cost for comparison

4.80% APRC

SVR

5.49% Then reverting to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years, initially on a discounted rate for 3 years at 3.79% and then on our current Standard Variable Rate Mortgage -1.00% of 5.49% (variable) for the remaining 7 years, would require 36 monthly payments of £3532.64, and 84 monthly payments of £3739.03

The total amount payable would be £441,253.85 made up of the loan amount plus interest (£88,870.85) and a redemption fee of £80.

The overall cost for comparison is 4.80% APRC representative.

Two Year Discount Mortgage 60% LTV - DR1214

Product period

Two years

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

6.70% APRC

SVR

7.99% then changing to our SVR

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
• 24 monthly repayments of £666.54. You'll pay this at a discounted rate for 2 years at 4.19%, followed by
• 95 monthly repayments of £766.16. You'll pay this on our Standard Variable Rate, which is currently at 7.99%.

The total amount you'd need to pay would be £88,862.16, made up of the loan amount (64,812.00), plus interest (£24,050.16) and a mortgage exit fee of £80.

The overall cost for comparison is 6.70% APRC representative.

Lending Into Retirement Downsizing [Interest Only]

Product period

Three Years

Deposit required

40.00%

Arrangement fee

£999

Cost for comparison

3.90% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £352,383 payable over 10 years 0 months, initially on a Discounted rate for 3 years 0 months at 2.69% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 7 years 0 months, would require 36 monthly payments of £789.93 and 84 monthly payments of £1,289.13.

The total amount payable would be £489,107.60 made up of the loan amount plus interest (£136,724.60), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.9% APRC representative.

Three Year Discount Mortgage

Product period

Three Years

Deposit required

40.00%

Arrangement fee

None

Cost for comparison

4.20% APRC

SVR

5.39%

A mortgage of £64,812 payable over 9 years 11 months, initially on a Discounted rate for 3 years 0 months at 1.74% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 6 years 11 months, would require 36 monthly payments of £93.98 and 83 monthly payments of £291.11.

The total amount payable would be £92,437.41 made up of the loan amount plus interest (£27,625.41) and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Self Build Mortgage

Product period

24 Months

Deposit required

35.00%

Arrangement fee

1% of the loan

Cost for comparison

4.60% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £289,366 payable over 10 years 0 months on our discounted rate for 24 months at 3.99% (variable) and then a 1.00% discount off our current standard variable rate of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years and 0 months, would require 24 monthly payments of £2,942.89 and 96 payments of £2988.03.

The total amount payable would be £355,666.97 made up of the loan amount plus interest (£66,335.97), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Self Build Large Loan mortgage

Product period

24 Months

Deposit required

35.00%

Arrangement fee

1% o the loan

Cost for comparison

4.60% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £1,190,000 payable over 15 years 0 months initially on a Discounted rate for 2 years 0 months at 4.49% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 13 years 0 months, would require 24 monthly payments of £4,497.24 and 156 payments of £4,397.08.

The total amount payable would be £1,995,813.07 made up of the loan amount plus interest (£793,913.07), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Large HMO Buy-to-Let Three Year Discount Mortgage 65% LTV - DR0693

Product period

Three Years

Deposit required

35.00%

Arrangement fee

None

Cost for comparison

7.90% APRC

SVR

8.54% Then changing to our SVR

Representative Example:

For a mortgage of £221,449.00 borrowed over 10 years 11 months, you'll need to make:
· 36 monthly repayments of £2,404.00. You'll pay this at a discounted rate for 3 Years at 6.84%, followed by
· 95 monthly repayments of £2,554.82. You'll pay this on our Standard Variable Rate , which is currently at 8.54%.

The total amount you'd need to pay would be £329,331.90, made up of the loan amount (£221,449.00), plus interest (£107,882.90) , and a mortgage exit fee of £80.

The overall cost for comparison is 7.9% APRC representative.

Self Build Mortgage

Product period

24 Months

Deposit required

35.00%

Arrangement fee

1% of Loan

Cost for comparison

4.60% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £289,366 payable over 10 years 0 months on our discounted rate for 24 months at 3.99% (variable) and then a 1.00% discount off our current standard variable rate of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years and 0 months, would require 24 monthly payments of £2,942.89 and 96 payments of £2988.03.

The total amount payable would be £355,666.97 made up of the loan amount plus interest (£66,335.97), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Buy-to-Let Three Year Discount Mortgage

Product period

Three Years

Deposit required

30.00%

Arrangement fee

None

Cost for comparison

4.40% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £221,449 payable over 10 years 11 months, initially on a Discounted rate for 3 years 0 months at 2.79% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 7 years 11 months, would require 36 monthly payments of £1,962.88 and 95 monthly payments of £2,165.27.

The total amount payable would be £276,364.81 made up of the loan amount plus interest (£54,915.81) and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Buy-to-Let Two Year Fixed Rate Mortgage

Product period

31.12.2024

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

5.70% APRC

SVR

6.19% Then changing to our SVR

A mortgage of £221,449 payable over 10 years 11 months, initially on a Fixed rate for 2 years 0 months at 3.57% and then on our current Standard Variable Rate Mortgage of 6.19% (variable) for the remaining 8 years 11 months, would require 24 monthly payments of £658.81 and 107 monthly payments of £1,142.31.

The total amount payable would be £359,567.61 made up of the loan amount plus interest (£138,038.39) and a redemption fee of £80.

The overall cost for comparison is 5.7% APRC representative.

Everyday Buy-to-Let Five Year Fixed Mortgage

Product period

31.05.2027

Deposit required

25.00%

Arrangement fee

1.50%

Cost for comparison

5.20% APRC

SVR

5.20% Then changing to our SVR

A mortgage of £85,323 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.97% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £286.63 and 180 monthly payments of £389.15.

The total amount payable would be £173,882.15 made up of the loan amount plus interest (£87,244.31) with an application fee of £200 and a redemption fee of £80.

The overall cost for comparison is 5.20% APRC representative.

Buy to Let Five Year Fixed Mortgage 75% LTV - DR1347

Product period

5 Years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

7.60% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months, you'll need to make:
· 60 monthly repayments of £850.50. You'll pay this at a fixed rate for 5 Years at 5.67%, followed by
· 155 monthly repayments of £1,281.00. You'll pay this on our Standard Variable Rate , which is currently at 8.54%.

The total amount you'd need to pay would be £429,665.00, made up of the loan amount (£180,000.00), plus interest (£249,665.00) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.6% APRC representative.

Expat Buy to Let Five Year Fixed Mortgage 75% LTV - DR1275

Product period

5 Years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

7.40% APRC

SVR

7.99% then changing to our SVR

For a mortgage of £120,158.00 borrowed over 20 years 0 months, you'll need to make:
• 60 monthly repayments of £577.76. You'll pay this at a fixed rate for 5 years at 5.77%, followed by
• 180 monthly repayments of £800.05. You'll pay this on our Standard Variable Rate, which is currently at 7.99%.

The total amount you'd need to pay would be £298,912.60, made up of the loan amount (£120,158.00), plus interest (£178,754.60) and a mortgage exit fee of £80.

The overall cost for comparison is 7.4% APRC representative.

Limited Company Buy to Let Five Year Fixed Mortgage 75% LTV - DR1274

Product period

5 Years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

6.20% APRC

SVR

7.99% then changing to our SVR

For a mortgage of £221,449.00 borrowed over 10 years 11 months, you'll need to make:
• 60 monthly repayments of £2,237.75. You'll pay this at a fixed rate for 5 years at 5.37%, followed by
• 71 monthly repayments of £2,407.50. You'll pay this on our Standard Variable Rate, which is currently at 7.99%.

The total amount you'd need to pay would be £305,277.50, made up of the loan amount (£221,449.00), plus interest (£83,828.50) and a mortgage exit fee of £80.

The overall cost for comparison is 6.2% APRC representative.

Residential Two Year Fixed Rate Mortgage 75% LTV - DR1600

Product period

Two years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,159.42. You'll pay this at a fixed rate for 2 Years at 4.47%, followed by
· 306 monthly repayments of £1,557.99. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £504,651.02, made up of the loan amount (£220,000.00), plus interest (£284,651.02) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Expat Buy-to-Let Two Year Discount Mortgage 75% LTV - DR1355

Product period

Two years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

8.30% APRC

SVR

8.54% Then changing to our SVR

For a mortgage of £120,158.00 borrowed over 20 years 0 months, you'll need to make:
• 24 monthly repayments of £584.77. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 216 monthly repayments of £855.12. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.

The total amount you'd need to pay would be £318,978.40, made up of the loan amount (£120,158.00), plus interest (£198,820.40) and a mortgage exit fee of £80.

The overall cost for comparison is 8.3% APRC representative.

Buy to Let Two Year Discount Mortgage 75% LTV - DR1345

Product period

Two years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

8.30% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months on an Interest Only basis, you'll need to make:
• 24 monthly payments of £876.00. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 191 monthly payments of £1,281.00. You'll pay this on our Standard Variable Rate, which is currently at 8.54%

The total amount you'd need to pay would be £445,775.00, made up of the loan amount (£180,000.00), plus interest (£265,775.00) and a mortgage exit fee of £80.
The overall cost for comparison is 8.30% APRC representative.

Small HMO Buy-to-Let Three Year Discount Mortgage - DR0697

Product period

Three Years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

7.80% APRC

SVR

8.54% Then changing to our SVR

For a mortgage of £221,449.00 borrowed over 10 years 11 months, you'll need to make:
· 36 monthly repayments of £2,369.51. You'll pay this at a discounted rate for 3 Years at 6.54%, followed by
· 95 monthly repayments of £2,545.76. You'll pay this on our Standard Variable Rate , which is currently at 8.54%.

The total amount you'd need to pay would be £327,229.56, made up of the loan amount (£221,449.00), plus interest (£105,780.56), and a mortgage exit fee of £80.

The overall cost for comparison is 7.8% APRC representative.

Residential Five Year Fixed Rate Mortgage 75% LTV - DR1601

Product period

5 Years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

6.30% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,121.46. You'll pay this at a fixed rate for 5 Years at 4.17%, followed by
· 270 monthly repayments of £1,511.57. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £475,491.50, made up of the loan amount (£220,000.00), plus interest (£255,491.50) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.3% APRC representative.

Limited Company Buy-to-Let Two Year Discount Mortgage 75% LTV - DR1354

Product period

Two years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

8.30% APRC

SVR

8.54% Then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months on an Interest Only basis, you'll need to make:
• 24 monthly payments of £876.00. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 191 monthly payments of £1,281.00. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.
The total amount you'd need to pay would be £445,775.00, made up of the loan amount (£180,000.00), plus interest (£265,775.00) and a mortgage exit fee of £80.

The overall cost for comparison is 8.3% APRC representative.

Limited Company Buy-to-Let Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

25.00%

Arrangement fee

1.50%

Cost for comparison

5.40% APRC

SVR

5.39% then changing to our SVR

A mortgage of £85,323 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.77% and then changing to our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £272.19 and 216 monthly payments of £389.15.

The total amount payable would be £177,226.68 made up of the loan amount plus interest (£90,588.53), with an application fee of £200 and a redemption fee of £80.

The overall cost for comparison is 5.4% APRC representative.

Limited Company Buy-to-Let Five Year Fixed Rate Mortgage - DR1307

Product period

Five years

Deposit required

25.00%

Arrangement fee

0%

Cost for comparison

7.90% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months on an Interest Only basis, you'll need to make:
• 60 monthly payments of £970.50. You'll pay this at a fixed rate for 5 Years at 6.47%, followed by
• 155 monthly payments of £1,281.00. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.

The total amount you'd need to pay would be £436,865.00, made up of the loan amount (£180,000.00), plus interest (£256,865.00) and a mortgage exit fee of £80.

The overall cost for comparison is 7.9% APRC representative.

Buy-to-Let 2 Year Fixed Rate Mortgage - DR1063

Product period

Fixed until 28/02/2025

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

5.90% APRC

SVR

6.19% then changing to our SVR minus 1.00%

A mortgage of £221,449 payable over 10 years 11 months, initially on a Fixed rate for 2 years 0 months at 4.47% and then on our current Standard Variable Rate Mortgage of 6.19% (variable) for the remaining 8 years 11 months, would require 24 monthly payments of £824.90 and 107 monthly payments of £1142.31.

The total amount payable would be £363,473.47 made up of the loan amount plus interest (£142,024.47) and a redemption fee of £80.

The overall cost for comparison is 5.9% APRC representative.

Expat BTL Five Years Fixed Rate 75% LTV - DR1306

Product period

Five years

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

7.90% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months, you'll need to make:
· 60 monthly repayments of £940.50. You'll pay this at a fixed rate for 5 Years at 6.27%, followed by
· 155 monthly repayments of £1,281.00. You'll pay this on our Standard Variable Rate , which is currently at 8.54%.

The total amount you'd need to pay would be £435,065.00, made up of the loan amount (£180,000.00), plus interest (£255,065.00) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.9% APRC representative.

Buy-to-Let Two Year Fixed Rate Mortgage 75% LTV - DR1235

Product period

Fixed until 31.12.2025

Deposit required

25.00%

Arrangement fee

None

Cost for comparison

8.60% APRC

SVR

8.79% then changing to our SVR

For a mortgage of £221,449.00 borrowed over 10 years 11 months, you'll need to make:
· 24 monthly repayments of £1,230.89. You'll pay this at a fixed rate for 2 Years at 6.67%, followed by
· 107 monthly repayments of £1,622.11. You'll pay this on our Standard Variable Rate , which is currently at 8.79%.

The total amount you'd need to pay would be £424,636.13, made up of the loan amount (£221,449.00), plus interest (£203,187.13) and a mortgage exit fee of £80 .

The overall cost for comparison is 8.6% APRC representative.

Expat Buy-to-Let Two Year Discount Mortgage

Product period

Two Years

Deposit required

25.00%

Arrangement fee

£1,995

Cost for comparison

5.40% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £221,449 payable over 10 years 0 months, initially on a Discounted rate for 2 years 0 months at 3.99% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £319.73 and 96 monthly payments of £574.28.

The total amount payable would be £185,272.40 made up of the loan amount plus interest (£62,711.40) and a redemption fee of £80.

The overall cost for comparison is 5.4% APRC representative.

Expat Buy-to-Let Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

25.00%

Arrangement fee

1.50%

Cost for comparison

5.30% APRC

SVR

5.39% then changing to our SVR

A mortgage of £120,158 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.77% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £377.66 and 216 monthly payments of £539.95.

The total amount payable would be £245,903.67 made up of the loan amount plus interest (£125,692.65) with an application fee of £200 and a redemption fee of £80.

The overall cost for comparison is 5.3% APRC representative.

Expat Buy-to-Let Five Year Fixed Rate Mortgage

Product period

31.05.2027

Deposit required

25.00%

Arrangement fee

1.50%

Cost for comparison

5.20% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £120,158 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 4.07% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £413.77 and 180 monthly payments of £547.96.

The total amount payable would be £245,454.68 made up of the loan amount plus interest (£123,459.31) with an application fee of £200 and a redemption fee of £80.

The overall cost for comparison is 5.2% APRC representative.

Self Build Large Loan Mortgage

Product period

24 Months

Deposit required

20.00%

Arrangement fee

1% of the loan

Cost for comparison

4.60% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £1,190,000 payable over 15 years 0 months initially on a Discounted rate for 2 years 0 months at 4.69% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 13 years 0 months, would require 24 monthly payments of £4,697.56 and 156 payments of £4,397.08

The total amount payable would be £2,000,620.81 made up of the loan amount plus interest (£798,720.81), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Self Employed 80% LTV Five Year Fixed Rate Mortgage

Product period

31.05.2027

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.00% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £1,569.38 and 180 monthly payments of £1,693.71.

The total amount payable would be £399,030.14 made up of the loan amount plus interest (£122,833.14) and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

Self Build Mortgage

Product period

24 Months

Deposit required

20.00%

Arrangement fee

1% of Loan

Cost for comparison

4.70% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £289,366 payable over 10 years 0 months on our discounted rate for 24 months at 4.19% and then a 1.00% discount off our current standard variable rate of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years and 0 months, would require 24 monthly payments of £2,970.60 and 96 monthly payments of £2,993.26.

The total amount payable would be £358,647.73 made up of the loan amount plus interest (£67,841.73), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.7% APRC representative

Three Year Discount Mortgage

Product period

Three Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

4.30% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Discounted rate for 3 years 0 months at 1.94% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 6 years 11 months, would require 36 monthly payments of £104.78 and 83 monthly payments of £291.11.

The total amount payable would be £92,826.21 made up of the loan amount plus interest (£28,014.21) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Owner Occupied Two Year Discount Mortgage

Product period

Two years

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

3.40% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £351,3494 payable over 10 years 0 months, initially on a Discounted rate for 2 years 0 months at 1.49% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,162.55 and 96 monthly payments of £3,538.76.

The total amount payable would be £415,621.90 made up of the loan amount plus interest (£63,238.90), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.4% APRC representative.

Contractor 80% LTV Five Year Fixed Rate Mortgage

Product period

31.05.2027

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

3.90% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.17% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £1,333.24 and 180 monthly payments of £1,448.85.

The total amount payable would be £340,787.47 made up of the loan amount plus interest (£104,039.47) and a redemption fee of £80.

The overall cost for comparison is 3.9% APRC representative

Self Employed 80% Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,569.38 and 216 monthly payments of £1,716.34

The total amount payable would be £408,393.68 made up of the loan amount plus interest (£132,196.68) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

One Year Discount Mortgage - DR0351

Product period

1 Year

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.49% then changing to our SVR

For a mortgage of £64,812.00 borrowed over 2 years 11 months, you'll need to make:
·       12 monthly repayments of £2,037.55. You'll pay this at a discounted rate for 1 Years at 6.49%, followed by
·       23 monthly repayments of £2,057.47. You'll pay this on our Standard Variable Rate , which is currently at 7.49%.

The total amount you'd need to pay would be £71,852.41, made up of the loan amount (64,812.00), plus interest (£07,040.41) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Contractor Two Year Fixed Rate Mortgage

Product period

31.12.2023

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.17% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,143.73 and 216 monthly payments of £1,290.06.

The total amount payable would be £383,766.08 made up of the loan amount plus interest (£147,052.76) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

3.90% APRC

SVR

4.39%

A mortgage of £351,384 payable over 10 years 0 months, initially on a Discounted rate for 2 years 0 months at 1.74% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £509.51 and 96 monthly payments of £1,285.48.

The total amount payable would be £352,669.48 made up of the loan amount plus interest (£135,634.22), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.9% APRC representative.

Buy-to-Let Three Year Discount Mortgage

Product period

Three Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

5.10% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £221,449 payable over 10 years 11 months, initially on a Discounted rate for 3 years 0 months at 3.99% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 7 years 11 months, would require 36 monthly payments of £2,088.02 and 95 monthly payments of £2,200.30.

The total amount payable would be £284,197.58 made up of the loan amount plus interest (£62,748.58) and a redemption fee of £80.

The overall cost for comparison is 4.8% APRC representative.

Two Year Discount Mortgage

Product period

2 Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

4.60% APRC

SVR

5.39% then changing to our SVR

A mortgage of £64,812 payable over 9 years and 11 months, initially on a discounted rate for 2 years at 1.74% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 7 years 11 months, would require 24 monthly payments of £93.98 and 95 monthly payments of £291.11.

The total amount payable would be £94,723.28 made up of the loan amount plus interest (£29,911.28) and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Two Year Discount Mortgage - DR0898

Product period

Two Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

6.30% APRC

SVR

7.49% then changing to our SVR

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
·       24 monthly repayments of £655.76. You'll pay this at a discounted rate for 2 years at 3.84%, followed by
·       95 monthly repayments of £750.27. You'll pay this on our Standard Variable Rate , which is currently at 7.49%.

The total amount you'd need to pay would be £87,093.89, made up of the loan amount (64,812.00), plus interest (£22,281.89) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.3% APRC representative.

Buy-to-Let Variable Rate Mortgage 80% LTV - DR0438b

Product period

Life of Loan

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

8.40% APRC

SVR

8.04% Life of Loan

For a mortgage of £221,449.00 borrowed over 10 years 11 months, you'll need to make:
· 131 monthly repayments of £2,544.77. You'll pay this at a discounted rate for Life of Loan at 8.04%.
The total amount you'd need to pay would be £333,444.87, made up of the loan amount (£221,449.00), plus interest (£111,995.87) and a mortgage exit fee of £80 .

The overall cost for comparison is 8.4% APRC representative.

Residential Further Advance Two Year Discount Mortgage 80% LTV - DR1110

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
• 24 monthly repayments of £718.77. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 95 monthly repayments of £764.57. You'll pay this at a 1% discount off our Standard Variable Rate, which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £90,064.63, made up of the loan amount (£64,812.00), plus interest (£25,252.63), an application fee of £180 and a mortgage exit fee of £80.

The overall cost for comparison is 7.2% APRC representative.

Self Employed 80% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

499

Cost for comparison

4.20% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Discounted rate for 2 years 0 months at 2.79% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,500.19 and 216 monthly payments of £1,706.59.

The total amount payable would be £404,628.76 made up of the loan amount plus interest (£128,931.76), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Residential Two Year Fixed Rate Mortgage 80% LTV - DR1519

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,185.09. You'll pay this at a fixed rate for 2 Years at 4.67%, followed by
· 306 monthly repayments of £1,559.90. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £505,851.56, made up of the loan amount (£220,000.00), plus interest (£285,851.56) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Residential Further Advance Five Year Fixed Rate Mortgage 80% LTV - DR1445

Product period

Five years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

6.90% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
• 60 monthly repayments of £1,304.25. You'll pay this at a fixed rate for 5 Years at 5.57%, followed by
• 270 monthly repayments of £1,544.54. You'll pay this at a 1% discount off our Standard Variable Rate, which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £495,540.80, made up of the loan amount (£220,000.00), plus interest (£275,540.80), an application fee of £180 and a mortgage exit fee of £80.

The overall cost for comparison is 6.9% APRC representative.

Two Year Fixed Rate Mortgage

Product period

31.12.2024

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

4.90% APRC

SVR

6.19% then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 2 years 0 months at 2.37% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 7 years 11 months, would require 24 monthly payments of £611.68 and 95 monthly payments of £706.27.

The total amount payable would be £81,855.97 made up of the loan amount plus interest (£16963.92) and a redemption fee of £80.

The overall cost for comparison is 4.9% APRC representative.

Buy-to-Let Further Advance Two Year Discount Mortgage 80% LTV - DR1240

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

8.30% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months on an Interest Only basis, you'll need to make:
• 24 monthly repayments of £876.17. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 191 monthly repayments of £1,281.25. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.

The total amount you'd need to pay would be £446,061.83, made up of the loan amount (£180,000.00), plus interest (£266,061.83), an application fee of £200 and a mortgage exit fee of £80.

The overall cost for comparison is 8.3% APRC representative.

Self Employed 80% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

£499

Cost for comparison

4.20% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Discounted rate for 2 years 0 months at 2.79% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,500.19 and 216 monthly payments of £1,706.59.

The total amount payable would be £404,628.76 made up of the loan amount plus interest (£128,931.76), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Contractor Three Year Discount Mortgage

Product period

Three Years

Deposit required

20.00%

Arrangement fee

£499

Cost for comparison

4.10% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £236,248 payable over 25 years 0 months, initially on a Discounted rate for 3 years 0 months at 2.69% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 22 years 0 months, would require 36 monthly payments of £1,082.60 and 264 monthly payments of £1,274.57.

The total amount payable would be £375,459.59 made up of the loan amount plus interest (£139,211.59), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Remortgage 80% LTV Two Year Fixed Rate Mortgage (No Fee)

Product period

30.06.2024

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

4.00% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349. payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.07% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,404.36. and 96 monthly payments of £3,580.96.

The total amount payable would be £425,476.76 made up of the loan amount plus interest (£74,092.76), and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

Five Year Fixed Rate Mortgage - DR1062

Product period

Fixed until 30/04/2028

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

5.20% APRC

SVR

6.19% then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 5 years 0 months at 4.67% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 4 years 11 months, would require 60 monthly payments of £681.49 and 59 monthly payments of £706.60.

The total amount payable would be £82,578.88 made up of the loan amount plus interest (£17,766.88) and a redemption fee of £80.

The overall cost for comparison is 5.2% APRC representative.

Buy-to-Let Further Advance Five Year Fixed Mortgage 80% LTV - DR1349

Product period

Five Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

7.70% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months, you'll need to make:
• 60 monthly repayments of £880.67. You'll pay this at a fixed rate for 5 Years at 5.87%, followed by
• 155 monthly repayments of £1,281.25. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.

The total amount you'd need to pay would be £431,748.95, made up of the loan amount (£180,000.00), plus interest (£251,748.95), an application fee of £200 and a mortgage exit fee of £80.

The overall cost for comparison is 7.7% APRC representative.

Self Employed 80% LTV Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,569.38 and 216 monthly payments of £1,716.34

The total amount payable would be £408,393.68 made up of the loan amount plus interest (£132,196.68) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Remortgage 80% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.00% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349. payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.97% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,397.76. and 96 monthly payments of £3,587.88.

The total amount payable would be £425,983.09. made up of the loan amount plus interest (£73,600.09), and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

Two Year Discount Mortgage 80% LTV - DR1112

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

6.80% APRC

SVR

7.99% then changing to our SVR

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
• 24 monthly repayments of £672.75. You'll pay this at a discounted rate for 2 years at 4.39%, followed by
• 95 monthly repayments of £767.50. You'll pay this on our Standard Variable Rate, which is currently at 7.99%.

The total amount you'd need to pay would be £89,138.50, made up of the loan amount (64,812.00), plus interest (£24,326.50) and a mortgage exit fee of £80.

The overall cost for comparison is 6.80% APRC representative.

Limited Company Buy-to-Let Further Advance Discount Mortgage 80% LTV - DR1242

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

8.30% APRC

SVR

8.54% then changing to our SVR

For a mortgage of £180,000.00 borrowed over 17 years 11 months on an Interest Only basis, you'll need to make:
• 24 monthly repayments of £876.17. You'll pay this at a discounted rate for 2 Years at 5.84%, followed by
• 191 monthly repayments of £1,281.25. You'll pay this on our Standard Variable Rate, which is currently at 8.54%.
The total amount you'd need to pay would be £446,061.83, made up of the loan amount (£180,000.00), plus interest (£266,061.83), a product fee of £200 and a mortgage exit fee of £80.

The overall cost for comparison is 8.3% APRC representative.

Self Build Mortgage

Product period

24 Months

Deposit required

20.00%

Arrangement fee

1% of Loan

Cost for comparison

4.70% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £289,366 payable over 10 years 0 months on our discounted rate for 24 months at 4.19% and then a 1.00% discount off our current standard variable rate of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years and 0 months, would require 24 monthly payments of £2,970.60 and 96 monthly payments of £2,993.26.

The total amount payable would be £358,647.73 made up of the loan amount plus interest (£67,841.73), an application fee of £300 and a redemption fee of £80.

The overall cost for comparison is 4.7% APRC representative

Owner Occupied 80% LTV Five Year Fixed Rate Mortgage

Product period

30.06.2027

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

3.50% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.07% and then on our current Standard Variable Rate Mortgage of 5.39% (minus 1.00%) for the remaining 5 years 0 months, would require 60 monthly payments of £3,414.03 and 60 monthly payments of £3,526.55.

The total amount payable would be £416,435.22 made up of the loan amount plus interest (£64,052.22) and a redemption fee of £80.

The overall cost for comparison is 3.8% APRC representative.

Residential 2 Years Discounted 80% LTV - DR1385

Product period

Two years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

7.40% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,306.75. You'll pay this at a discounted rate for 2 Years at 5.59%, followed by
· 306 monthly repayments of £1,568.12. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £511,286.72, made up of the loan amount (£220,000.00), plus interest (£291,286.72) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.4% APRC representative.

Contractor 80% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

£499

Cost for comparison

4.10% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a discounted rate for 2 years 0 months at 2.69% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,273.87 and 216 monthly payments of £1,461.19.

The total amount payable would be £346,190.35 made up of the loan amount plus interest (£109,942.35) and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative

Owner Occupied 80% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

3.70% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.07% and then on our current Standard Variable Rate Mortgage of 5.39% (minus 1.00%) for the remaining 8 years 0 months, would require 24 monthly payments of £3,253.46 and 96 monthly payments of £3,558.21.

The total amount payable would be £419,671.43 made up of the loan amount plus interest (£67,288.43) and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

Contractor 80% LTV Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.17% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,333.24 and 216 monthly payments of £1,470.02.

The total amount payable would be £349,522.30 made up of the loan amount plus interest (£112,774.30) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Five Year Fixed Rate Mortgage

Product period

31.10.2025

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

3.00% APRC

SVR

5.39%

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 5 years 0 months at 2.17% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 4 years 11 months, would require 60 monthly payments of £605.83 and 59 monthly payments of £654.85.

The total amount payable would be £74,986.07 made up of the loan amount plus interest (£10,174.07) and a redemption fee of £80.

The overall cost for comparison is 3.0% APRC representative.

Retro Fit 80% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

20.00%

Arrangement fee

£999

Cost for comparison

3.40% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.07% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,253.46 and 96 monthly payments of £3,558.21.

The total amount payable would be £419,671.43 made up of the loan amount plus interest (£67,288.43) and a redemption fee of £80.

The overall cost for comparison is 3.70% APRC representative.

Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

3.90% APRC

SVR

4.39%

A mortgage of £351,384 payable over 10 years 0 months, initially on a Discounted rate for 2 years 0 months at 1.74% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £509.51 and 96 monthly payments of £1,285.48.

The total amount payable would be £352,669.48 made up of the loan amount plus interest (£135,634.22), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.9% APRC representative.

Residential Five Year Fixed Rate Mortgage 80% LTV - DR1520

Product period

5 years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

6.40% APRC

SVR

7.54% Then changing to our SVR -1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,146.69. You'll pay this at a fixed rate for 5 Years at 4.37%, followed by
· 270 monthly repayments of £1,516.53. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £478,344.50, made up of the loan amount (£220,000.00), plus interest (£258,344.50) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.4% APRC representative.

Owner Occupied 80% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

20.00%

Arrangement fee

None

Cost for comparison

3.40% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Discounted rate for 2 years 0 months at 1.49% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,162.55 and 96 monthly payments of £3,538.76.

The total amount payable would be £415,621.90 made up of the loan amount plus interest (£63,238.90), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.4% APRC representative.

Residential Two Year Fixed Rate Mortgage 85% LTV - DR1604

Product period

2 Years

Deposit required

15.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,198.03. You'll pay this at a fixed rate for 2 Years at 4.77%, followed by
· 306 monthly repayments of £1,560.84. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £506,449.76, made up of the loan amount (£220,000.00), plus interest (£286,449.76) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Residential Five Year Fixed Rate Mortgage 85% LTV - DR1605

Product period

5 Years

Deposit required

15.00%

Arrangement fee

None

Cost for comparison

6.50% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,159.42. You'll pay this at a fixed rate for 5 Years at 4.47%, followed by
· 270 monthly repayments of £1,518.98. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £479,769.80, made up of the loan amount (£220,000.00), plus interest (£259,769.80) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.5% APRC representative.

Self Employed 90% LTV Five Year Fixed Rate Mortgage

Product period

31.05.2027

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.20% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.67% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £1,626.06 and 180 monthly payments of £1,707.28.

The total amount payable would be £404,873.89 made up of the loan amount plus interest (£128,676.89) and a redemption fee of £80.

The overall cost for comparison is 4.20% APRC representative.

Contractor 90% LTV Five Year Fixed Rate Mortgage

Product period

31.05.2027

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.10% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 15 years 0 months, would require 60 monthly payments of £1,381.57 and 180 monthly payments of £1,460.54.

The total amount payable would be £345,792.18 made up of the loan amount plus interest (£109,044.18) and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative

Three Year Discount Mortgage

Product period

Three Years

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

4.30% APRC

SVR

5.39% Then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Discounted rate for 3 years 0 months at 2.69% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 6 years 11 months, would require 36 monthly payments of £145.29 and 83 monthly payments of £291.11.

The total amount payable would be £94,204.78 made up of the loan amount plus interest (£29,392.78) and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Two Year Fixed Rate Mortgage

Product period

31.12.2024

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

5.00% APRC

SVR

6.19% Then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 2 years 0 months at 2.77% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 7 years 11 months, would require 24 monthly payments of £623.49 and 95 monthly payments of £708.88

The total amount payable would be £82387.36 made up of the loan amount plus interest (£17,495.15) and a redemption fee of £80.

The overall cost for comparison is 5.0% APRC representative.

Self Employed 90% LTV Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.40% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.67% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,626.06 and 216 monthly payments of £1,721.71.

The total amount payable would be £410,914.68 made up of the loan amount plus interest (£134,717.68) and a redemption fee of £80.

The overall cost for comparison is 4.4% APRC representative.

Contractor 90% LTV Two Year Fixed Rate Mortgage

Product period

31.05.2024

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.40% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,381.57 and 216 monthly payments of £1,474.66.

The total amount payable would be £351,684.20 made up of the loan amount plus interest (£114,936.20) and a redemption fee of £80.

The overall cost for comparison is 4.4% APRC representative

Residential Two Year Discount Mortgage 90% LTV - DR1302

Product period

2 Years

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

7.20% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
· 24 monthly repayments of £722.01. You'll pay this at a discounted rate for 2 Years at 5.94%, followed by
· 95 monthly repayments of £765.19. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £90,101.29, made up of the loan amount (£64,812.00), plus interest (£25,289.29) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.2% APRC representative.

Contractor 90% LTV Three Year Discount Mortgage

Product period

Three Years

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.50% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a Discounted rate for 3 years 0 months at 4.19% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 17 years 0 months, would require 36 monthly payments of £1,458.46 and 204 monthly payments of £1,480.48.

The total amount payable would be £354,522.31 made up of the loan amount plus interest (£117,774.31), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.5% APRC representative.

Self Employed 90% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

10.00%

Arrangement fee

£499

Cost for comparison

4.30% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £275,163 payable over 20 years 0 months, initially on a Discounted rate for 2 years 0 months at 3.29% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,597.52 and 216 monthly payments of £1,716.20.

The total amount payable would be £409,038.98 made up of the loan amount plus interest (£133,341.98), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.30% APRC representative.

Contractor 90% LTV Two Year Discount Mortgage

Product period

Two Years

Deposit required

10.00%

Arrangement fee

£499

Cost for comparison

4.30% APRC

SVR

4.39% Then changing to our SVR minus 1.00%

A mortgage of £235,714 payable over 20 years 0 months, initially on a discounted rate for 2 years 0 months at 3.39% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 0 months, would require 24 monthly payments of £1,356.83 and 216 monthly payments of £1,469.48.

The total amount payable would be £349,971.14 made up of the loan amount plus interest (£113,723.14) and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative

Two Year Fixed Rate Mortgage - DR1061

Product period

Fixed until 28/02/2025

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

5.70% APRC

SVR

6.19% then changing to our SVR

A mortgage of £64,812 payable over 9 years 11 months, initially on a Fixed rate for 2 years 0 months at 4.57% and then on our current Standard Variable Rate Mortgage of 6.19% for the remaining 7 years 11 months, would require 24 monthly payments of £678.36 and 95 monthly payments of £720.31

The total amount payable would be £84,710.14 made up of the loan amount plus interest (£19,898.14) and a redemption fee of £80.

The overall cost for comparison is 5.7% APRC representative.

First Time Buyer 90% LTV Five Year Fixed Rate Mortgage

Product period

30.06.2027

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

4.00% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £190,049 payable over 35 years 0 months, initially on a Fixed rate for 5 years 0 months at 2.77% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 0 months, would require 60 monthly payments of £707.36 and 360 monthly payments of £864.40

The total amount payable would be £353,625.54 made up of the loan amount plus interest (£163,541.54), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

Remortgage 90% LTV Two Year Fixed Rate Mortgage (No fee)

Product period

30.06.2024

Deposit required

10.00%

Arrangement fee

None

Cost for comparison

4.20% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349. payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.77% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,519.31. and 96 monthly payments of £3,603.47.

The total amount payable would be £430,396.91. made up of the loan amount plus interest (£79,012.91.), and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Owner Occupied 90% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

3.80% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.47% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,317.11 and 96 monthly payments of £3,571.48.

The total amount payable would be £422,472.51 made up of the loan amount plus interest (£70,089.51), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Remortgage 90% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349. payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 3.67% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 8 years 0 months, would require 24 monthly payments of £3,512.70. and 96 monthly payments of £3,610.52.

The total amount payable would be £430,914.52. made up of the loan amount plus interest (£78,531.52), and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Owner Occupied 90% LTV Five Year Fixed Rate Mortgage

Product period

30.06.2027

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

3.70% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 5 years 0 months, would require 60 monthly payments of £3,446.73 and 60 monthly payments of £3,54279.

The total amount payable would be £419,371.07 made up of the loan amount plus interest (£66,988.07), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

First Time Buyer 90% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

10.00%

Arrangement fee

£999

Cost for comparison

4.20% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £190,049 payable over 35 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.37% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 33 years 0 months, would require 24 monthly payments of £669.87 and 396 monthly payments of £880.01.

The total amount payable would be £364,562.64 made up of the loan amount plus interest (£173,479), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.20% APRC representative.

Residential Five Year Fixed Rate Mortgage 90% LTV - DR1481

Product period

5 Years

Deposit required

10.00%

Arrangement fee

0

Cost for comparison

6.50% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,172.22. You'll pay this at a fixed rate for 5 Years at 4.57%, followed by
· 270 monthly repayments of £1,521.40. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £481,191.20, made up of the loan amount (£220,000.00), plus interest (£261,191.20) and a mortgage exit fee of £80 .

The overall cost for comparison is 6.5% APRC representative.

Residential Two Year Fixed Rate Mortgage 90% LTV - DR1479

Product period

2 Years

Deposit required

10.00%

Arrangement fee

0

Cost for comparison

7.30% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 24 monthly repayments of £1,224.12. You'll pay this at a fixed rate for 2 Years at 4.97%, followed by
· 306 monthly repayments of £1,562.68. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.

The total amount you'd need to pay would be £507,638.96, made up of the loan amount (£220,000.00), plus interest (£287,638.96) and a mortgage exit fee of £80 .

The overall cost for comparison is 7.3% APRC representative.

Joint Borrower Sole Proprietor First Time Buyer Mortgage

Product period

30.06.2027

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

4.10% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £190,049 payable over 35 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 0 months, would require 60 monthly payments of £760.48 and 360 monthly payments of £871.80.

The total amount payable would be £359,476.08 made up of the loan amount plus interest (£169,392.08), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Residential 95% LTV Five Year Fixed Rate Mortgage - DR1333

Product period

5 Years

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

6.90% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
· 60 monthly repayments of £1,290.56. You'll pay this at a fixed rate for 5 Years at 5.47%, followed by
· 270 monthly repayments of £1,542.11. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.
The total amount you'd need to pay would be £493,883.30, made up of the loan amount (£220,000.00), plus interest (£273,883.30) and a mortgage exit fee of £80.

The overall cost for comparison is 6.9% APRC representative.

Residential Variable Rate Mortgage 95% LTV - DR0437b

Product period

Life of Loan

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

7.80% APRC

SVR

7.54% Then reverting to our SVR minus 1.00%

For a mortgage of £64,812.00 borrowed over 9 years 11 months, you'll need to make:
• 119 monthly repayments of £775.03. You'll pay this at a discounted rate for Life of Loans at 7.54%.

The total amount you'd need to pay would be £92,308.57, made up of the loan amount (£64,812.00), plus interest (£27,496.57) and a mortgage exit fee of £80.

The overall cost for comparison is 7.8% APRC representative.

Residential 95% LTV Two Year Fixed Rate Mortgage - DR1482

Product period

2 Years

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

7.50% APRC

SVR

7.54% then changing to our SVR minus 1.00%

For a mortgage of £220,000.00 borrowed over 27 years 6 months, you'll need to make:
24 monthly repayments of £1,358.67. You'll pay this at a fixed rate for 2 years at 5.97% followed by,
306 monthly repayments of £1,571.25. You'll pay this at a 1% discount off our Standard Variable Rate , which is currently at 8.54%. This gives an SVR rate of 7.54%.
The total amount you'd need to pay would be £513,490.58, made up of the loan amount (£220,000.00), plus interest (£293,490.58) and a mortgage exit fee of £80.

The overall cost for comparison is 7.5% APRC representative.

Family Support Mortgage

Product period

Fixed until 30/09/2024

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

4.20% APRC

SVR

4.64%

A mortgage of £190,084 payable over 35 years, initially on a Fixed rate for 5 years 7 months at 2.97% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 29 years 5 months, would require 67 monthly payments of £728.36 and 353 monthly payments of £890.83.

The total amount payable would be £363,469.31 made up of the loan amount plus interest (£173,420.20), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Joint Borrower Sole Proprietor First Time Buyer Mortgage

Product period

30.06.2027

Deposit required

5.00%

Arrangement fee

None

Cost for comparison

4.10% APRC

SVR

4.39% Then reverting to our SVR minus 1.00%

A mortgage of £190,049 payable over 35 years 0 months, initially on a Fixed rate for 5 years 0 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 0 months, would require 60 monthly payments of £760.48 and 360 monthly payments of £871.80.

The total amount payable would be £359,476.08 made up of the loan amount plus interest (£169,392.08), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

First Time Buyer 95% LTV Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

5.00%

Arrangement fee

£999

Cost for comparison

4.30% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £190,049 payable over 35 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.77% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 33 years 0 months, would require 24 monthly payments of £707.36 and 396 monthly payments of £877.92.

The total amount payable would be £364,632.98 made up of the loan amount plus interest (£174,548.98), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.30% APRC representative.

Owner Occupied 95% Two Year Fixed Rate Mortgage

Product period

30.06.2024

Deposit required

5.00%

Arrangement fee

£999

Cost for comparison

3.90% APRC

SVR

4.39% then changing to our SVR minus 1.00%

A mortgage of £351,349 payable over 10 years 0 months, initially on a Fixed rate for 2 years 0 months at 2.77% and then on our current Standard Variable Rate Mortgage of 4.39% for the remaining 8 years 0 months, would require 24 monthly payments of £3,365.35 and 95 monthly payments of £3,581.35.

The total amount payable would be £424,577.64 made up of the loan amount plus interest (£72,191.64) and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.