Packager Tier - Residential Products
Standard range - 2 year fixed rate
| Product type | LTV | Tier | Initial rate | Fee | Max loan | Cashback |
|---|---|---|---|---|---|---|
| Cashback | 75% | Packager | 6.88% | £995 | £2m | £500 |
Standard range - 5 year fixed rate
Available for both purchase and remortgages
A minimum term of 6 years is required.
| Product | LTV | Tier | Initial rate | Fee | Max loan | Cashback |
|---|---|---|---|---|---|---|
| 5 year fixed | 75% | Packager | 6.76% | £995 | £2m | £500 |
Right to Buy
Right to Buy - 2 year fixed
Available for both purchase and remortgages
A minimum term of 6 years is required.
| LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|
| 75% | Packager | 7.44% | £995 | £2m |
Right to Buy - 5 year fixed
Available for both purchase and remortgages
A minimum term of 6 years is required.
| LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|
| 75% | Packager | 7.19% | £995 | £2m |
Fees
A non-refundable £195 is payable on all applications. £995 product fee can be added to loan above max LTV.
Standard valuation fees apply.
Vida Variable rate (VVR)
6.05% set on 01.09.2025
Revert Rate
8.69% (VVR + 2.64%)
Additional Information
Minimum loan £50k
ERCs
2 year:
4% until 31/03/2027
3% until 31/03/2028
5 year:
5% until 31/03/2027
5% until 31/03/2028
4% until 31/03/2029
3% until 31/03/2030
2% until 31/03/2031
