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Exc Residential fixed rate - 2 years Capital and Interest - loans under £450,000 - Full C&I CI1383

For loans up to 90% of property value

Product nameExc Residential fixed rate - 2 years Capital and Interest - loans under £450,000 - Full C&I CI1383
Initial rate2.95%
Initial rate expires on
31st July 2023
Rate thereafterStandard Variable Rate, currently
Overall cost for comparison4.4% APRC
Product fee
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 Fees

For more information visit Valuation Fees page


This product may only be used where the whole of the mortgage is on a Capital & Interest repayment basis. If any element of Interest Only is required, products which allow Interest Only must be selected for all parts of the mortgage.

Maximum loan amountLoan Amounts:
The min. loan size is £80,000
The max. loan size is £450,000
The max. LTV is 90%
Maximum loan to value90%
Minimum loan amount£80,000
Early repayment charge3% in year one
2% in year two
Special offersPurchase: One free valuation
Remortgage: One free valuation for properties up to £3m Free standard legals excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Properties over £3m – No incentives
All incentives are subject to qualifying criteria being met
The product fee for existing customers completing a product transfer is £999
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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