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Fixed rate mortgages

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.



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"Excellent communication and liked we could track the mortgage process"

Mortgage Completion Survey, November 2019

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Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

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Fixed Rate Mortgages

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  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.54% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      £250 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.54% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 1.99% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.09% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.09% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.24% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £250 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.24% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.24% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.39% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.39% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.44% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.49% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £250 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.49% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 2.64% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £499
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.69% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.74% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.74% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.79% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.79% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • HTB 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.79% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • HTB 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.79% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 2 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 2.84% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.89% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 2.89% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2027

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.94% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.94% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2027

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.94% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2027

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £250 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • HTB 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.99% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2027

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 3 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.09% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2025

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 28/02/2023, followed by 2% of amount repaid until 29/02/2024, followed by 1% of amount repaid until 28/02/2025 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.09% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2027

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. 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 £155,000 payable over 25 years initially on a fixed rate for two years at 1.99% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £918.19, 23 monthly payments of £656.22 and 276 monthly payments of £804.90.

The total amount payable would be £239,387.65 made up of the loan amount plus interest (£83,137.05), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.8% APRC representative.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
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