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Residential fixed rate - 2 years Capital and Interest - Fee Offer

For loans up to 85% of property value

Product nameResidential fixed rate - 2 years Capital and Interest - Fee Offer
Initial rate2.09%
Initial rate expires on
31st January 2021
Rate thereafterStandard Variable Rate, currently
5.20%
Overall cost for comparison4.7% APRC
Arrangement fee
£0
Legal and Valuation FeesFor more information visit Valuation Fees page
Eligibility

Available for purchase and remortgage, new applications and product transfer. Applicants must be aged 18 or over. All loans are subject to status. Security will be required

Maximum loan amount£500,000
Maximum loan to value85%
Minimum loan amount£80,000
Early repayment charge3% in year one
2% in year two
Special offers£0 arrangement fee
Remortgage: Legal fees and valuation paid for remortgages only #
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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# The switching package is only available to applicants moving their mortgage from another lender. If the property is unencumbered, a free valuation is available. Free valuations are available on properties worth £2m, or less. Optima Legal Services will charge a funds transfer fee of £42 to applicants who use the switching package. When using products available for mortgages over £1m which benefit from the switching package incentive, the switching package is enhanced to allow one free valuation for properties worth £3m or less (standard free legals remain limited to properties worth £2m or less).

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