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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
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Standard

Fee Saver

vvr

Revert Rate

Key Criteria

Minimum Loan

Max Loan (including fees)

ERCs

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Traditional

STANDARD

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FEE SAVER

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STANDARD

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STANDARD

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Remortgage only

Limited edition

STANDARD

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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*Limited Edition Rate with may be withdrawn at short notice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*Limited Edition Rate with may be withdrawn at short notice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)
1.75%
(min £2,495)
REVERT RATE
5.19%
(VVR + 3.04%)
5.19%
(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
Download Help to Buy Guide
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