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Products
Rates as of 3rd December
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* Worse status of 3 in the last 24 months
* Worse status of 2 in the last 24 months
download lending criteria
download lending criteria
Standard
Fee Saver
vvr
Revert Rate
Key Criteria
Minimum Loan
Max Loan (including fees)
ERCs
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Traditional
STANDARD
Product Fee
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FEE SAVER
Product Fee
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Product Fee
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STANDARD
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STANDARD
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Remortgage only
Limited edition
STANDARD
Product Fee
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£0 fee, Limited Edition, available for individual, SPV, HMO and MUBs
5 YEAR FIXED
MAX LTV
75%
VIDA 1
*2.94%
*Limited Edition Rate with may be withdrawn at short notice
£1,495 FIXED-FEE, LIMITED EDITION
2 YEAR FIXED
MAX LTV
75%
VIDA 1
*2.89%
*Limited Edition Rate with may be withdrawn at short notice
KEY FEATURES
- Loans up to £1,000,000
- Available for SPVs, HMOs and MUBs
- No minimum income
- Available for both purchase or remortgage
- Ltd Company/SPV ownership allowed
- £180 assessment fee payable on all applications
STANDARD
5 YEAR FIXED
MAX LTV
75%
VIDA 1
3.14%
HMOs & MUBs
5 YEAR FIXED
MAX LTV
75%
VIDA 1
3.24%
Fixed Fee of £4,995 up to £1m max loan
WHO IS THIS PRODUCT FOR?
BTL Investors looking for a larger loan with a competitive fee structure.
KEY FEATURES
- Fixed Fee of £4,995 – ideal for larger loans. Fee can be added to loan
- Loans up to £1,000,000
- Available for SPVs, HMOs and MUBs
- No minimum income
- Available for both purchase or remortgage
- Ltd Company/SPV ownership allowed
- £180 assessment fee payable on all applications
PRODUCT
STANDARD 75% LTV
HMO & MUB 75% LTV
RATE
3.24%
3.54%
PRODUCT FEE
1.75%
(min £2,495)
(min £2,495)
1.75%
(min £2,495)
(min £2,495)
REVERT RATE
5.19%
(VVR + 3.04%)
(VVR + 3.04%)
5.19%
(VVR + 3.04%)
(VVR + 3.04%)
ERC
5%, 5%, 5%, 0%, 0%
5%, 5%, 5%, 0%, 0%
WHO IS THIS PRODUCT FOR?
BTL Investors looking for flexibility with the benefits of a longer term fixed rate
KEY FEATURES
- No minimum income
- Loans up to £1,500,000
- Benefits of 5 year fix with only a 3 year ERC
- SPVs, HMOs, MUBs and Let to Buy considered
- Available for both purchase or remortgage
- Ltd Company/SPV ownership allowed
- £180 assessment fee payable on all applications
STANDARD
2 YEAR FIXED
MAX LTV
75%
VIDA 1
3.24%
5 YEAR FIXED
MAX LTV
75%
VIDA 1
3.24%
HMOs & MUBs
2 YEAR FIXED
MAX LTV
75%
VIDA 1
3.04%
5 YEAR FIXED
MAX LTV
75%
VIDA 1
3.44%
Assessment Fee
£49 fee for properties up to £500,000
£180 fee for properties over £500,000
Product Fee
1.5% (MIN £795)
Fee Saver Features & Benefits
- For properties valued up to £500,000, one free standard valuation and a refund of the reduced £49 assessment fee, paid whitin 30 day of completion
- For properties valued over £500,000, refund of valuation and standard £180 assessment fee (maximum £650 in total), paid whitin 30 day of completion
- £200 contribution towards legal fees, paid whitin 30 days of completion
- Available for both purchase and remortgage
Help to Buy
2 year fixed
MAX LTV
75%
VIDA 1
4.59%
5 year fixed
MAX LTV
75%
VIDA 1
5.29%
Scottish First Home Fund
2 year fixed
MAX LTV
80%
VIDA 1
4.39%
VIDA 2
4.69%
VIDA 3
4.99%
VIDA 4
5.29%
VIDA 5
-
5 year fixed
MAX LTV
80%
VIDA 1
4.59%
VIDA 2
4.89%
VIDA 3
5.19%
VIDA 4
5.49%
VIDA 5
-
BTL Investors looking for flexibility with the benefits of a longer term fixed rate
KEY FEATURES
- Available for properties in England, Wales and Scotland
- Initial offer valid for 6 months with potential to extend
- Products available on all tiers
- One free standard valuation
- A £200 contribution towards legal fees paid within 30 days of completion
- Product fee £995
- £180 assessment fee payable
