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Mortgage Rates for Existing Customers

Are you one of our existing mortgage members?

If you are one of our mortgage members we can assist you when finding a new deal to move home, borrow more, or make changes to your existing mortgage.

Why talk to us about changing your mortgage if you're an existing mortgage member?

We always try to offer exclusive rates for our existing borrowers. So if you're coming to the end of your current mortgage deal or you are on our Standard Variable Rate, please have a look at what we can offer.

Looking to make a change to your existing mortgage

If you want to make changes to your existing mortgage which may include adding or removing a borrower, changing your term or even if you just have other queries, please contact us and we'll be happy to help.

For more information on our exclusive mortgage products available to our borrowers at the end of their current mortgage scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme click here.

Borrowers completing on Standard Variable Rate can be considered for a product change 12 months after completion.

Borrowing more

If you've got some exciting home improvements or some other plans in mind and need to borrow a lump sum, an Additional Loan could be a reasonable option. Please contact us to know more.

Moving Home

If you're moving home you may be able to take your current mortgage with you. Most of our mortgages are portable. Please contact us to check.

 

Our Additional Borrowing Products

Additional Borrowing 3.99% 2 Year Fixed Rate

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  • FIXED RATE of 3.99% until 2 years from completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 5.1% APRC
  • Available to existing Ipswich Building Society borrowers ONLY

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £29,580.00 payable over 10 years initially on a fixed rate of 3.99% for 24 months, then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 24 monthly payments of £300.96, followed by 96 payments of £315.52.
The total amount payable would be £37,711.96 made up of the loan amount plus interest (£7,772.96), an application fee of £199, a completion fee of £125 and a mortgage funds release fee of £35. This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.
The overall cost for comparison is 5.1% APRC representive. This representative example is bassed on assumptions that the loan would start from 26 September 2016.

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 £199 - - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early Repayment Charge period ends 2 years from completion
Overpayments of 50% or above - Early Repayment Charge is 3% of the overpayment
Redemption - Early Repayment Charge is 3% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to view our video on what to expect when applying for a mortgage or take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our Additional Borrowing mortgage products, please download our Additional Borrowing Mortgage Rate Guide.

Additional Borrowing 3.24% 2 Year Discount Rate

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  • VARIABLE RATE currently 5.24% with a discount of 2% until 2 years from completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.8% APRC
  • Available to existing Ipswich Building Society borrowers ONLY

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £30,600.00 payable over 10 years initially on our standard variable rate of 5.24% with a discount of 2.00%, giving a rate payable of 3.24% for 24 months, then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 24 monthly payments of £300.44, followed by 96 payments of £324.17.
The total amount payable would be £38,529.88, made up of the loan amount plus interest (£7,570.88), an application fee of £199, a completion fee of £125 and a mortgage funds release fee of £35. This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.
The overall cost for comparison is 4.8% APRC representive. This representative example is based on assumptions that the loan would start from 26 September 2016.

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 £199 - - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early Repayment Charge period ends 2 years from completion
Overpayments of 50% or above - Early Repayment Charge is 1% of the overpayment
Redemption - Early Repayment Charge is 1% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to view our video on what to expect when applying for a mortgage or take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our Additional Borrowing mortgage products, please download our Additional Borrowing Mortgage Rate Guide.

Additional Borrowing 5.24% Standard Variable Rate

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  • STANDARD VARIABLE RATE currently 5.24% for the life of the loan
  • 5.6% APRC
  • Available to existing Ipswich Building Society borrowers ONLY

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £30,600.00 payable over 10 years on our Standard Variable Rate currently at 5.24% for the term of the mortgage would require 120 monthly payments of £329.88.
The total amount payable would be £39,784.60 made up of the loan amount plus interest (£8,825.60), an application fee of £199, a completion fee of £125 and a mortgage funds release fee of £35. This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.
The overall cost for comparison is 5.6% APRC representive. This representative example is bassed on assumptions that the loan would start from 26 September 2016.

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 £199 - - £35 £500k

Unlimited overpayments 

No Early Repayment Charge

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to view our video on what to expect when applying for a mortgage or take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our Additional Borrowing mortgage products, please download our Additional Borrowing Mortgage Rate Guide.

Additional Borrowing (Buy to Let) 5.24% Standard Variable Rate

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Fees
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  • STANDARD VARIABLE RATE currently 5.24% for the life of the loan
  • 5.7% APRC
  • Available to existing Ipswich Building Society borrowers ONLY

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £25,500.00 payable over 10 years on our Standard Variable Rate currently at 5.24% for the term of the mortgage would require 120 monthly payments of £275.18.
The total amount payable would be £33,220.60 made up of the loan amount plus interest (£7,361.60), an application fee of £199, a completion fee of £125 and a mortgage funds release fee of £35. This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.
The overall cost for comparison is 5.7% APRC representive. This representative example is bassed on assumptions that the loan would start from 26 September 2016.

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 £199 - - £35 £500k

Unlimited overpayments 

No Early Repayment Charge

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to view our video on what to expect when applying for a mortgage or take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our Additional Borrowing mortgage products, please download our Additional Borrowing Mortgage Rate Guide.

Additional Borrowing (Self Build) 5.74% Variable Rate

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Fees
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  • STANDARD VARIABLE RATE currently 5.24% plus 0.50% for the life of the loan
  • 6.2% APRC
  • Available to existing Ipswich Building Society borrowers ONLY

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £25,500.00 payable over 10 years on our Standard Variable Rate currently at 5.24% plus 0.50% for the term of the mortgage would require 120 monthly payments of £281.54.
The total amount payable would be £33,983.80 made up of the loan amount plus interest (£8,124.80), an application fee of £199, a completion fee of £125 and a mortgage funds release fee of £35. This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.
The overall cost for comparison is 6.2% APRC representive. This representative example is bassed on assumptions that the loan would start from 26 September 2016.

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 £199 - - £35 £500k

Fee free overpayments up to 50% of original loan

For overpayments over 50%, the Early Repayment Charge is 3% of the overpayment

Early Repayment Charge period ends 2 years from completion

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to view our video on what to expect when applying for a mortgage or take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To see all of our current mortgage products, please download our mortgage product rate guide.

Please note our rate guide is an Excel document. Click here to download Excel Viewer from Microsoft, where you can open, view and print Excel documents even if you don't have Excel installed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE


Products for existing borrowers at the end of their deal

 

Existing borrowers looking to change existing mortgage

For existing Ipswich borrowers looking to change their mortgage deal please contact us on 0330 123 0773 to check our current product range. Our Mortgage Sales Team are available Monday to Friday 9am-5pm and Saturday 9am-1pm.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgage Rate GuideDownload

Full details, including the fees, of our standard mortgage products for borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate

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Full details, including the fees, of our additional borrowing mortgage products for existing borrowers

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Making mortgages
easier to
understand

We've produced a number of guides and helpful information to help you understand your mortgage.

Get a clear
view on the
numbers

From affordability to making overpayments on your mortgage, we have a calculator to help you.

Helping you to
understand our
mortgages

The introduction of the Mortgage Market Review in April 2014 meant that new affordability criteria could make it harder for so-called misfits to get a mortgage.

Toby's top 5 things to consider when applying for a mortgage

Are you a mortgage prisoner? - Mortgage Market Review

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Your home may be repossessed if you do not keep up repayments on your mortgage.