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Private Exclusive - Capital and Interest - 5 year Fixed

For loans up to 80% of property value

Product namePrivate Exclusive - Capital and Interest - 5 year Fixed
Initial rate2.49%
Initial rate expires on
31st December 2025
Rate thereafterStandard Variable Rate, currently
4.55%
Overall cost for comparison3.8% APRC
Product fee£999
Option to add product fees to mortgageYes the product fee can be added to the loan, provided the total borrowing does not exceed the maximum LTV for the product type
Legal and Valuation Fees

Valuation fees

The valuation report is used to calculate how much we’ll lend you. This is separate from any valuation or survey of the property you might want to instruct for your own purposes.

Purchase: None

Remortgage: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m

Properties over £3m – No incentives

All incentives are subject to qualifying criteria being met.

*Please note that if you are changing the terms of the original mortgage e.g. borrowing an additional amount, changing the duration of the mortgage or changing repayment terms, a valuation will be required and a fee will be payable where applicable.

legal fees

You’ll normally instruct a solicitor to act on your behalf in connection with your transaction. You may be required to pay legal fees and costs as part of their work on your behalf. These fees/costs are normally charged by the solicitor directly to you, unless we tell you that we’ll contribute to the legal costs as part of your product deal.

Typically you will not need to pay legal fees if:
you are an existing mortgage customer who wishes to re-mortgage with us.
you are a new mortgage customer who wants to switch the mortgage for their current home to us and use our legal panel.

Eligibility

Applicants must be aged 18 or over. All loans are subject to status. Security will be required

Maximum loan amountThe maximum loan size is £1,000,000
Maximum loan to value80%
Minimum loan amount£200,000
Early repayment charge5% in years one and two
4% in year three
3% in year four
2% in year five
Special features

Purchase: None

Remortgage: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m

Properties over £3m – No incentives

All incentives are subject to qualifying criteria being met.