Five Year Fixed Rate Mortgage

A fixed interest rate mortgage helps to make budgeting easier, as your monthly repayments stay the same each month during the fixed interest rate period.

So there's no sudden changes in how much you need to find to make your repayments even if interest rates rise or fall.

How much will it cost?

An initial rate* of Followed by our SVR, currently The overall cost for comparison is Maximum Loan To Value Fees
2.79% 4.8% 90% £498.00
* until 31 October 2024 APRC
The repayment indications DO NOT include any fees that may be payable - should you wish to find out more about a particular mortgage, an illustration outlining all the relevant costs, is available on request

If you borrowed £133,000 over 25 years, the cost for credit would be £98,263.46, meaning you repay a total of £231,263.46. This would be repaid by 63 monthly repayments of £617.66 and a further 237 monthly repayments of £810.24.

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Summary Information

Interest Rates Initial rate of 2.79% until 31st October 2024 reverting to our Standard Variable Rate (currently 5.99%) from 1st November 2024. The overall cost for comparison is 4.8% APR.
Maturity Date 31 October 2024
Maximum Loan to Value (LTV) 90%
Loan Amount £10,000 - £500,000
Daily Interest Calculation Interest is calculated on the balance of your account at the end of each day. Interest is accrued daily and added to your account balance on the last day of every month. Every cleared payment that is made reduces the mortgage balance and interest is recalculated on the reduced balance.
Minimum Term 5 Years
Reservation Fee £199
Completion Fee £299
Incentives 10% overpayments allowed per annum
Early Repayment Charge 5% of amount repaid until 31st October 2020
4% of amount repaid until 31st October 2021
3% of amount repaid until 31st October 2022
2% of amount repaid until 31st October 2023
1% of amount repaid until 31st October 2024.

Useful Documents

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Your mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
If you would prefer to apply for a mortgage in person instead of online, book an appointment with one of our mortgage advisers. Book a branch appointment