Discounted until 31/12/2026 . Early Repayment Charges apply. . This product may be withdrawn at any time.
Free standard valuation: We will contribute up to £350 towards the cost of a valuation. To see our valuation fees, please click here.
Fees assisted legals: You can choose to use our solicitors. If you choose to do this, we will cover the cost of any standard legal fees. Please note, any non-standard fees must be paid by yourself. You'll be advised of any non-standard costs that will apply. If you choose to use our solicitors, they'll only act for us and won't provide you with independent advice regarding the mortgage application. Alternatively, you can choose to receive £250 towards your own solicitor's costs.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There is a minimum mortgage amount of £50,000.
This product has a maximum mortgage amount of £500,000.
We have a minimum property value of £100,000 which increases to £250,000 for properties located within the M25 corridor.
The maximum loan to value for this product is 90%.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The interest rate is floored, meaning if rates drop it cannot fall below 4.85%.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The minimum repayment term is 5 years and the maximum repayment term is 40 years. Maximum term will depend upon individual circumstances, for example applicant age and leasehold restrictions.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Early Repayment Charges apply during the product term. You can overpay up to 10% of the original mortgage amount each calendar year. However, if the overpayment exceeds 10%, the mortgage is repaid in full, or switched to another product before the end of the product term then the full amount of the Early Repayment Charge will apply.
The Early Repayment Charge will be calculated at:
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The mortgage tariff of charges details the various fees and charges that may apply during the term of your mortgage. To view these, please click here.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A mortgage of £183,000 payable over 30 years initially on a discounted variable rate until 31 December 2026, currently 5.75% (equal to a 2.69% discount from our SVR) and then our SVR, currently 8.44% for the remaining term would require an initial payment of £1,096.83 followed by 25 monthly payments of £1,067.94 and 334 monthly payments of £1,383.03.
The total amount payable would be £489,877.35 made up of the mortgage amount plus interest (£306,727.35) with a telegraphic transfer fee of £25 and mortgage exit fees of £125.
The overall cost for comparison is 8.2% APRC representative.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We don't operate a computer credit score system, each application is reviewed individually by a real person. At enquiry stage we will complete a credit check and once a full application is submitted we will carry out a full credit application that will leave a footprint on your credit file.
We currently accept Right to Buy and Forces Help to Buy schemes. For more information on Government schemes and what we can accept, please see our Government schemes guide.
To complete a mortgage application you will need:
Once we have made an offer to you, this will be valid for 6 months.
| Monday - Tuesday | 09:00 - 17:00 |
| Wednesday | 09:30 - 17:00 |
| Thursday - Friday | 09:00 - 17:00 |
| Saturday | 09:00 - 12:00 |
| Sunday | Closed |
Our mortgage customers say...
Mortgage customer read more"I sat down with a Mortgage Adviser who listened to my needs and recommended a suitable product for me, they were very friendly and had a personal approach which gave me peace of mind."Mrs Main
Our mortgage customers say...
Mortgage customer read more"When I visited Tipton I sat down with Gail, a Mortgage Adviser, who listened to my needs and was aware of what I was looking for and from this she was able to explain all my options to me."Miss Savell-Boss
Your home may be repossessed if you do not keep up repayments on your mortgage.