Owner Occupied/ Residential - fixed rate mortgages

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. 

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 85% LTV and £650,000 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