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December 2022
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £240,000 payable over 25 years initially on a variable rate for two years at 5.94% and then on our current standard variable rate of 6.74% (variable) for the remaining 23 years would require an initial payment of £2,667.10, 25 monthly payments of £1,537.53 and 274 monthly payments of £1,648.98.
The total amount payable would be £494,239.40 made up of the loan amount plus interest (£253,115.40), a completion fee (£999) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.9% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
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