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What are fixed rate mortgages?

Fixed rate mortgages are suitable if you want to pay a set amount each month and do not want your monthly payment to fluctuate.
This type of mortgage can be helpful in making budgeting more straightforward. Your interest rate remains the same for a set
period of time and the amount you pay for your mortgage each month will remain the same regardless of any changes in the
Bank of England base rate or the standard variable rate of Ipswich Building Society. If you want to leave a fixed rate mortgage
deal before the end of the set term, you may be charged an early repayment fee.

 

Residential Standard

2.82% 5 Year Fixed Rate 90% LTV

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  • FIXED RATE of 2.82% up until 30 September 2022 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • APRC 4.5%
  • Available to direct applicants in England and Wales, nationally via selected intermediary partners and all intermediaries based in our heartland area.
  • Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage, TenetLime & Tenet Connect.
  • Available for Purchase and Remortgage

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 £151,200.00 payable over 30 years initially on a fixed rate until 30 September 2022 at 2.82% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 62 monthly payments of £626.32, followed by 298 monthly payments of £805.43.          
The total amount payable would be £279,303.98 made up of the loan amount plus interest (£126,814.98), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage exit fee of £95. 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 4.5% APRC representative.  
[This representative example is based on assumptions that the loan would start from 13 July 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE up to max property value £1m. - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 September 2022
Overpayment of 50% or above - Early Repayment Charge is 5% of the overpayment
Redemption - Early Repayment Charge is 5% of the original loan amount

For remortgage only - fee assisted legals

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 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.

2.15% 2 Year Fixed Rate 90% LTV

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  • FIXED RATE of 2.15% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.9% APRC
  • Available for direct applicants in England and Wales, nationally via selected intermediary partners and all intermediaries based in our heartland area.
  • Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage, TenetLime & Tenet Connect.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073

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 £151,200.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 2.15% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £573.42, followed by 333 monthly payments of £819.68.          
The total amount payable would be £288,889.78 made up of the loan amount plus interest (£136,400.78), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 4.9% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 For purchase: based on property valuation. Remortgage: FREE up to max property value of £1m. - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

For remortgage only - fee assisted legals

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 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.

2.59% 2 Year Fixed Rate 90% LTV

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  • FIXED RATE of 2.59% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.9% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £151,200.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 2.59% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £607.86, followed by 333 monthly payments of £822.83.          
The total amount payable would be £290.868.61 made up of the loan amount plus interest (£138,379.61), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 4.9% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

For remortgage only: fee assisted legals

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 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.

 

3.45% 2 Year Fixed Rate 95% LTV

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  • FIXED RATE of 3.45% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 5.1% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £151,200.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 3.45% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £678.47, followed by 333 monthly payments of £828.56.          
The total amount payable would be £294,683.17 made up of the loan amount plus interest (£142,194.17), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment 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 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.

 

Large Loan

 

Large Loan 3.19% 2 Year Fixed Rate 90% LTV

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  • FIXED RATE of 3.19% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.9% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £450,000.00 payable over 20 years initially on a fixed rate until 31 August 2019 at 3.19% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £2,543.42, followed by 213 monthly payments of £2,984.36.          
The total amount payable would be £704,950.02 made up of the loan amount plus interest (£253,506.02), an application fee of £199, a completion fee of £800, a valuation fee of £315, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 4.9% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment of 50% or above - early repayment charge is 3% of the overpayment
Redemption - early repayment charge is 3% of the original loan amount

For remortgage only: fee assisted legals

Minimum loan amount: £250,000

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.


Buy to Let

Buy to Let 3.29% 5 Year Fixed Rate 75% LTV

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  • FIXED RATE of 3.29% until 30 September 2022 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • APRC 4.6%
  • Available to direct applicants in England and Wales, nationally via selected intermediary partners and all intermediaries based in our heartland area.
  • Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage, TenetLime & Tenet Connect.
  • Available for Purchase and Remortgage

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 £350,000.00 payable over 25 years initially on a fixed rate until 30 September 2022 at 3.29% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 62 monthly payments of £1,720.03 followed by 238 monthly payments of £2,032.13.          
The total amount payable would be £590,897.80 made up of the loan amount plus interest (£238,853.80), an application fee of £199, a completion fee of £1,400, a valuation fee of £315, a mortgage funds release fee of £35 and a mortgage exit fee of £95. 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 4.6% APRC representative.  
[This representative example is based on assumptions that the loan would start from 13 July 2017]

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
£1,400 £199 Purchase: based on property valuation. Remortgage: FREE up to max property value £1m. - £35 £500,000

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 September 2022
Overpayment of 50% or above - Early Repayment Charge is 5% of the overpayment
Redemption - Early Repayment Charge is 5% of the original loan amount

For remortgage only - fee assisted legals

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 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.


Buy To Let 3.10% 2 Year Fixed Rate 75% LTV

About
Fees
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Download Comparison
  • FIXED RATE of 3.10% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 5.0% APRC
  • Available for direct applicants in England and Wales and selected intermediary partners
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.

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 £350,000.00 payable over 25 years initially on a fixed rate until 31 August 2019 at 3.10% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £1,684.40, followed by 273 monthly payments of £2,069.40.          
The total amount payable would be £611,034.00 made up of the loan amount plus interest (£259,090.00), an application fee of £199, a completion fee of £1,300, a valuation fee of £315, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 5.0% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£1300 £199 Purchase: based on property valuation. Remortgage: FREE up to a maximum property value of £1m. For - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment of 50% or above - early repayment charge is 3% of the overpayment
Redemption - early repayment charge is 3% of the original loan amount

For remortgage only: fee assisted legals

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.

This product is exclusively available to Ipswich Building Society Prestige intermediaries.

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.

 

 

Shared Ownership

Shared Ownership 4.69% 5 Year Fixed Rate 95% LTV

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  • FIXED RATE of 4.69% until 30 September 2022 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • APRC 5.2%
  • Available to direct applicants in England and Wales, nationally via selected intermediary partners and all intermediaries based in our heartland area.
  • Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage, TenetLime & Tenet Connect.
  • Available for Purchase 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 £90,843.00 payable over 30 years initially on a fixed rate until 30 September 2022 at 4.69% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 62 monthly payments of £470.60 followed by 298 monthly payments of £497.03.       
The total amount payable would be £177,701.14 made up of the loan amount plus interest (£86,449.14), an application fee of £199, a valuation fee of £115 and a mortgage exit fee of £95. 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 5.2% APRC representative.  
[This representative example is based on assumptions that the loan would start from 13 July 2017] 

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
FREE £199 Based on property valuation - £35 £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 September 2022
Overpayment of 50% or above - Early Repayment Charge is 5% of the overpayment
Redemption - Early Repayment Charge is 5% 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 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.


Shared Ownership 4.39% 2 Year Fixed Rate 95% LTV

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  • FIXED RATE of 4.39% up until 31 August 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 5.2% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £90,843.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 4.39% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £454.37, followed by 333 monthly payments of £498.38.          
The total amount payable would be £178,637.53 made up of the loan amount plus interest (£87,385.53), an application fee of £199, a valuation fee of £115 and a mortgage discharge fee of £95. This example assumes the mortgage funds release fee is added to the loan and that interest is charged on these fees over the mortgage term.                 
The overall cost for comparison is 5.2% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
- £199 Based property valuation - - £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 August 2019
Overpayment 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 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.


Self Employed and Contractor

Self Employed 2.99% 2 Year Fixed Rate 75% LTV

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Fees
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  • FIXED RATE currently 2.99% until 31 August 2019 then changing to Ipswich Standard Variable Rate
  • 5.0% APRC
  • The applicant's accountant must be suitably qualified in accordance with the Lending Policy
  • Income is verified to the 12 months accounts in the first instance or via HMRC self assessments
  • The applicant must be in the same line of work as that carried out for the previous three years
  • Minimum one years accounts
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £157,500.00 payable over 25 years initially on a fixed rate until 31 August 2019 at 2.99% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £750.02, followed by 273 monthly payments of £931.73.          
The total amount payable would be £275,086.83 made up of the loan amount plus interest (£116,277.83), an application fee of £199, a completion fee of £800, a valuation fee of £180, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 5.0% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £350k
  • Fee free overpayments up to 50% of original loan
  • For overpayments over 50%, early repayment charge is 3% of the overpayment
  • Early repayment charge period ends 31 August 2019
  • For remortgage only: fee assisted legals

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 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.

Self Employed 2.99% 2 Year Fixed Rate 90% LTV

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Fees
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  • FIXED RATE currently 2.99% until 31 August 2019 then changing to Ipswich Standard Variable Rate
  • 5.0% APRC
  • Aimed at self employed applicants who are in a professional occupation (i.e. Solicitors, Architects, Accountants, Dentists, Doctors, Surveyors, Pharmacists, Vets and Optometrists) and are working as part of an established partnership (of at least three years)
  • For 1 years accounts + we will consider up to 90% LTV, for less than 1 years accounts and established firm we will consider up to 75% LTV
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

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 £151,200.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 2.99% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £640.17, followed by 333 monthly payments of £825.57.          
The total amount payable would be £292,653.40 made up of the loan amount plus interest (£140,164.40), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 5.0% APRC representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £500k
  • Fee free overpayments up to 50% of original loan
  • For overpayments over 50%, early repayment charge is 3% of the overpayment
  • Early repayment charge period ends 31 August 2019
  • For remortgage only: fee assisted legals

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 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.

Contractor 3.19% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE currently 3.19% until 31 August 2019 then changing to Ipswich Standard Variable Rate
  • 5.0% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.
  • Excludes CIS scheme

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 £151,200.00 payable over 30 years initially on a fixed rate until 31 August 2019 at 3.19% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 27 monthly payments of £656.67, followed by 333 monthly payments of £826.89.          
The total amount payable would be £293,538.46 made up of the loan amount plus interest (£141,049.46), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage discharge fee of £95. 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 representative.  
[This representative example is based on assumptions that the loan would start from 17 May 2017]

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
£800 £199 Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m) - £35 £500k
  • Fee free overpayments up to 50% of original loan
  • For overpayments over 50%, early repayment charge is 3% of the overpayment
  • Early repayment charge period ends 31 August 2019
  • For remortgage only: fee assisted legals

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 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

 

Features of our fixed rate mortgages

lighthouse

The rate won't change

Until the date that your fixed rate ends. We'll be in touch before this rate ends so you can choose a new mortgage.

sunflower2

A good credit history

We don't use automated credit scoring to assess your suitability, but we do expect a good credit history.

housekeeping

Early repayment charges

You can over pay by up to 50% with our mortgages and not incur any early repayment charges. See the tabs above to check this and other charges.

half built

Unusual construction

We know houses, just like people come in all shapes and sizes and materials! We can consider a range of construction types as well as the 'yet to be built'.

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.