Please find below a summary of the Owner Occupier Semi-Exclusive mortgage products available:

Product Details:

• Product Name: 5 Year Fixed Rate until 31/08/2031
• Initial Interest Rate: 6.14%
• Followed by Managed Mortgage Rate: Currently 7.54%
• APRC: 7.1%
• Maximum LTV: 80%
• Product Code: XF1262
• Early Repayment Charges:
  • 5% until 31/08/2027
  • 4% until 31/08/2028
  • 3% until 31/08/2029
  • 2% until 31/08/2030
  • 1% until 31/08/2031
• Product Fee: £999 for loans up to £500,000; 0.3% of the loan amount for loans above £500,000

Additional Fees:

• Application Fee: £175 (plus Valuation Fees)
• Valuation Fee: £0 for properties up to £500,000; £330 discount for properties above £500,000
• Cashback: £500 cashback towards legal costs for remortgage applications

Loan Limits:

• Minimum Loan: £45,000
• Maximum Loan: £4 million (individual pricing for loans above £4 million)

Key Information:

• Limited funds available; products may be withdrawn at any time.
• Available for applicants aged 18+ for properties in England or Wales.
• For personalised illustrations, contact our Mortgage Desk at 01372 744155.

Please refer to the attached documents, ‘Additional Information about our Mortgages’ and ‘Getting a mortgage: what you need to know’, for further details.