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Variable rate mortgages

At the West Brom we have a range of variable rate mortgages with competitive rates available.



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Mortgage Completion Survey, January 2020

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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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Variable Mortgages

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  • 2 Year Discounted Variable Rate Mortgage 80% LTV
  • Initial Rate 1.59% Variable
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • 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)
      The initial interest rate will not go below a floor of 1.29%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 60% LTV
  • Initial Rate 1.09% Variable
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • 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
      The initial interest rate will not go below a floor of 0.79%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 80% LTV
  • Initial Rate 1.59% Variable
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • 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
      The initial interest rate will not go below a floor of 1.29%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 90% LTV
  • Initial Rate 2.09% Variable
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • 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)
      The initial interest rate will not go below a floor of 1.79%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

*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 variable rate for two years at 1.59% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £835.79, 25 monthly payments of £626.48 and 274 monthly payments of £800.89.

The total amount payable would be £237,165.65 made up of the loan amount plus interest (£80,921.86), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.7% APRC representative.


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