FEEDBACK

0330 123 0773

Fixed Rate Mortgages and Mortgage Rates

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.

 

Our fixed rate mortgage products

1.99% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE of 1.99% up until 30 April 2019 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.7% APRC
  • Available for direct applicants in England and Wales.
  • For our intermediary partners, products are available to Prestige members, selected partners nationally and 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.
  • 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 25 years initially on a fixed rate until 30 April 2019 at 1.99% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £643.67, followed by 272 monthly payments of £885.59.         
The total amount payable would be £259,357.24 made up of the loan amount plus interest (£106,868.24), 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 4.7% APRC representative.  
[This representative example is based on assumptions that the loan would start from 15 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £500k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 April 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

About
Fees
Apply
Download Comparison
  • FIXED RATE of 2.59% up until 30 April 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 30 April 2019 at 2.59% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £607.86 and 332 monthly payments of £822.09.
The total amount payable would be £290,407.96 made up of the loan amount plus interest (£137,918.96), 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 4.9% APRC representative.
[This representative example is based on assumptions that the loan would start from 15 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £350k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 April 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.

 


3.79% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE of 3.79% up until 30 April 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 £180,500.00 payable over 23 years initially on a fixed rate until 30 April 2019 at 3.79% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £983.80 and 248 monthly payments of £1,116.86.
The total amount payable would be £304,981.68 made up of the loan amount plus interest (£123,492.68), an application fee of £199, a completion fee of £500, 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 5.1% APRC representative.
[This representative example is based on assumptions that the loan would start from 15 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £500 - £350k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 April 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 3.19% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE of 3.19% up until 30 April 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 of 3.19% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £2,543.42 followed by 212 monthly payments of £2,981.76.
The total amount payable would be £703,957.88 made up of the loan amount plus interest (£252,513.88), an application fee of £199, a completion fee of £800, a valuation fee of £370, 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 4.9% APRC representative.
[This representative example is based on assumptions that the loan would start from 15 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £750k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 April 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.


Shared Ownership 4.39% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE of 4.39% up until 30 April 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 of 4.39% until 30 April 2019 and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £454.54 and 332 monthly payments of £498.48.
The total amount payable would be £178,631.48 made up of the loan amount plus interest (£87,379.48), an application fee of £199, a valuation fee of £115 and a mortgage exit fee of £95.
The overall cost for comparison is 5.2% APRC representative.
[This representative example is based on assumptions that the loan would start from 15 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 - - - £350k Based property valuation

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30 April 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 2.99% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
Download Comparison
  • FIXED RATE currently 2.99% until 30 April 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 of 2.99% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £750.02 followed by 272 monthly payments of £930.93.
The total amount payable would be £274,687.52 made up of the loan amount plus interest (£115,878.52), 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 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 5.0% APRC representative.
[This representative example is based on assumptions that the loan would start from 29 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £350k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)

 

  • 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 30 April 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

About
Fees
Apply
Download Comparison
  • FIXED RATE currently 2.99% until 30 April 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 of 2.99% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £640.17 followed by 332 monthly payments of £824.90.
The total amount payable would be £292,245.56 made up of the loan amount plus interest (£139,756.56), 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 5.0% APRC representative.
[This representative example is based on assumptions that the loan would start from 29 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £500k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)
  • 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 30 April 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 30 April 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 £157,500.00 payable over 25 years initially on a fixed rate of 3.19% and then on our Standard Variable Rate currently at 5.24% for the remainder of the mortgage term would require 28 monthly payments of £766.58 followed by 272 monthly payments of £932.56.
The total amount payable would be £275,594.56 made up of the loan amount plus interest (£116,785.56), 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 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 5.0% APRC representative.
[This representative example is based on assumptions that the loan would start from 30 December 2016]

Application Fee (Payable with application and non-refundable) CHAPS (Fee for transfer of funds to solicitor) Completion Fee Higher Lending Charge Maximum Loan Amount Valuation Fee (Payable with application)
£199 £35 £800 - £500k Purchase: based on property valuation. Remortgage: FREE (up to a maximum property value of £1m)
  • 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 30 April 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'.

Why talk to us about your fixed rate mortgage?

Older

We believe things get better with age

We'll accept cases up to the age of 85 on expiry of the loan. We'll review your mortgage application on its own merits.

family

Available to locals and not so local

We accept applications from those looking for a mortgage in England and Wales and via mortgage brokers in the East of England.

Unusual construction

We're champions of mortgage misfits

We welcome the self employed, contract workers, expats and those undertaking a self build project. We don't automate our mortgage decision making, meaning we can personally assess your application.

HouseandLock

We accept transitional cases

If you do not meet the affordability requirements of MMR and have held a mortgage from before 26 April 2014, we are happy to review your application to see if we can help. Find out more.


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

family bar 2
Mortgage Rate Guide Download

For full details, including the fees, of our mortgage products simply download a printable copy of our Mortgage Product 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.

PDF icon

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