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Product Transfer Newly qualified professional residential fixed rate - 5 years Capital and Interest

For loans up to 90% of property value

Product nameProduct Transfer Newly qualified professional residential fixed rate - 5 years Capital and Interest
Initial rate3.34%
Initial rate expires on
31st March 2026
Rate thereafterStandard Variable Rate, currently
4.55%
Overall cost for comparison4.1% APRC
Product fee
£0
Option to add product fees to mortgageYes the product fee can be added to the loan, provided the total borrowing does not exceed the maximum LTV for the product type
Legal and Valuation FeesFor more information visit Valuation Fees page
Eligibility

Available for existing customers only. Applicants must be aged 18 or over. All loans are subject to status. Security will be required. Not available for business purposes.

This product is only available where one or more of the applicants has become fully qualified within the last 5 years and is employed in one of the following professions: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Pilots, Solicitors, Vets, with a current income of £40k or more.

Maximum loan amount£600,000
Maximum loan to value90%
Minimum loan amount£80,000
Early repayment charge5% in years one and two
4% in year three
3% in year four
2% in year five
Overpayment permittedYes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
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