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Mortgage

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Below is a mortgage summary. The information shown does not include all of the details you need to choose a mortgage. Make sure you read your Mortgage Illustration before you make a decision.

Overview

Initial rate and cost

Follow-on rate

Features

Requirements

Ways to apply

Get an Agreement in Principle

Overview

Mortgage type

Loan to value

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Product fee

Initial Rate and cost

Initial rate

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Initial monthly payments

Adding product fee to your mortgage, you could pay {{= mortgageUtil.currency}}{{= incProductFee}}

Initial rate end

Follow-on rate

Rate after initial period ends

SVR currently {{= followOnRate}}% variable

Features

Cashback

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Overpayments

Early Repayment charge

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Option to switch to fixed rate

{{if options.canSwitchToFixed.value!="false" }} Yes {{else}} - {{/if}}

Valuation fee

{{if options.freeStandardValuation.value!="false" }} Yes {{else}} - {{/if}}

Legal fees paid

{{if options.legalFeesPaid.value!="false" }} Yes {{else}} - {{/if}}

Requirements

Minimum loan amount

Minimum deposit

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Eligibility

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Ways to Apply

{{if apply.type=="olaf" || apply.type=="olo"}} Online {{/if}}

{{if apply.type!="olo"}} Branch {{/if}}

{{if apply.type!="olo"}} Telephone {{/if}}

Next steps

Get a personalised quote

If you're ready to apply for a new mortgage, an AIP is a more accurate measure of how much we may lend to you.

If you're already a mortgage customer and you want to switch your deal, please login to manage your mortgage to see what we can offer you.

Get an online Agreement in Principle

Do you need any help?

Call us on 0800 096 9527.

Next Generation Text Service: 18001 0800 096 9527.

Alternatively, arrange a callback.

Arrange a callback

Next steps

Book an appointment with one of our mortgage professionals

We're on hand to arrange a phone or branch appointment with one of our qualified mortgage professionals. We can also help with any general queries about the process.

Call us on 0800 096 9527.

Relay UK: 18001 0800 096 9527.

Arrange a callback

Use our callback service to arrange when you’d like us to call you. This will save you from waiting on-hold, removes any call charges and makes banking with us a little bit easier.

Arrange a callback

Your home or property may be repossessed if you do not keep up repayments  on your mortgage.

All figures provided are for illustrative purposes only.
This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.

Representative example

Fixed rate

A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 3.44% and then our variable rate of 4.99% for the remaining 20 years would require 24 monthly payments of £843.25 and 240 monthly payments of £963.87.

The total amount payable would be £252,890.01 made up of the loan amount of £156,000.00 plus interest of £96,890.01. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 4.9% APRC representative.

Representative example

Tracker rate

A mortgage of £130,995 payable over 20 years, initially on a tracker rate for 2 years at 1.97% below the NatWest base rate and then our variable rate of 3.59% for the remaining 18 years would require 24 monthly payments of £639.37 and 216 monthly payments of £753.30.

The total amount payable would be £179,286.65 made up of the loan amount £130,995 plus interest of £48,291.65. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 3.3% APRC representative.