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Whether you are looking to buy your first home, remortgage or move up the property ladder the West Brom has a range of competitive mortgage deals to suit your needs. With our range of fixed rate mortgages, you have the peace of mind of knowing what your mortgage payments will be.
"Prompt, helpful and efficient service. Professional survey and swift completion, good communication."
Mortgage Completion Survey, June 2017
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/08/2020, followed by 2% of amount repaid until 31/08/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/08/2020, followed by 3% of amount repaid until 31/08/2021, followed by 2% of amount repaid until 31/08/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/08/2021, followed by 4% of amount repaid until 31/08/2022, followed by 3% of amount repaid until 31/08/2023, followed by 2% of amount repaid until 31/08/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring the above charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/10/2020, followed by 2% of amount repaid until 31/10/2021 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/10/2020, followed by 3% of amount repaid until 31/10/2021, followed by 2% of amount repaid until 31/10/2022 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 31/10/2021, followed by 4% of amount repaid until 31/10/2022, followed by 3% of amount repaid until 31/10/2023, followed by 2% of amount repaid until 31/10/2024 plus interest until the end of the month. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
Representative example
A mortgage of £25,000 payable over 20 years initially on a fixed rate for two years at 2.49% and then on our current standard variable rate of 4.49% (variable) for the remaining 18 years would require an initial payment of £185.22, 22 monthly payments of £132.35 and 217 monthly payments of £155.68.
The total amount payable would be £36,978.48 made up of the loan amount plus interest (£11,877.26) and a completion fee (£99).
The overall cost for comparison is 4.2% APRC representative.
