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?

Property value?

With deposit of?

Mortgage term?

An initial rate* of	Followed by	The overall cost for comparison is	Maximum Loan To Value	Fees
3.55%	3.96% Standard Variable Rate	3.9%	80%	£0
* until 31 March 2026		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 £120,000 over 25 years, the cost for credit would be £66,627.20, meaning you repay a total of £186,627.20. This would be repaid by 60 monthly repayments of £603.97 and a further 240 monthly repayments of £626.10.

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Please read full summary before applying

Summary Information

Interest Rates	Initial rate of 3.55% until 31st March 2026 reverting to our Standard Variable Rate (currently 3.96%) from 1st April 2026.
Maturity Date	31 March 2026
Maximum Loan to Value (LTV)	80%
Loan Amount	£25,000 - £1,000,000
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	£0
Completion Fee	£0
Incentives	Free Standard Valuation (on properties up to £500k) £500 Cashback 10% overpayment allowed per annum.
Early Repayment Charge	5% of amount repaid until 31st March 2022 4% of amount repaid until 31st March 2023 3% of amount repaid until 31st March 2024 2% of amount repaid until 31st March 2025 1% of amount repaid until 31st March 2026

Useful Documents

Below you will find useful mortgage documents which will assist you in submitting your application.

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03456064488

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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.

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