Ipswich Building Society
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Telephone: 0845 230 8686
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Mortgage ComparisonOur advantage as a smaller Society is our ability to offer a friendly, flexible mortgage service – helping thousands of people to buy their own homes. Our Suffolk heritage also means we have a unique knowledge of the East Anglian region – giving us the edge when it comes to making well-informed decisions on mortgage applications. Our mortgage specialists will help you find the right mortgage loan for you, whether you're a first time buyer or home mover. Just pop in to any of our branches or contact us. From time to time, we are able to offer reduced fees to our Members and their families. This comparison page is also available to download and print in Adobe Acrobat PDF format as our 'Mortgage Rate Guide'. |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Correct at 28 June 2010
Mortgage Comparison table
| Product Options | Current Rate | Offer | Variable Rate for the rest of the mortgage, currently | The overall cost for comparison is | Is an Early Repayment Charge payable? | Minimum Deposit |
| 2 Year Tracker Rate | 3.69% Variable |
TRACKER RATE at Bank Base Rate plus 3.19% until 31 July 2012 then changing to Ipswich standard variable rate | 5.49% | 5.3% APR | Yes. 3% if before 31 July 2012 | 25% |
| 2 Year Tracker Rate | 3.89% Variable |
TRACKER RATE at Bank Base Rate plus 3.39% until 31 July 2012 then changing to Ipswich standard variable rate | 5.49% | 5.4% APR | Yes. 3% if before 31 July 2012 | 20% |
| 3 Year Tracker (Remortgage only) | 3.99% Variable |
TRACKER RATE at Bank Base Rate plus 3.49% until 31 July 2013 then changing to Ipswich standard variable rate | 5.49% | 5.2% APR | Yes. 3% if before 31 July 2013 | 20% |
| 2 Year Fixed Rate | 4.25% Fixed |
FIXED RATE of 4.25% up until 30 September 2012 then changing to Ipswich standard variable rate | 5.49% | 5.5% APR | Yes. 3% if before 30 September 2012 | 25% |
| 2 Year Fixed Rate | 5.29% Fixed |
FIXED RATE of 5.29% up until 31 July 2012 then changing to Ipswich standard variable rate | 5.49% | 5.7% APR | Yes. 3% if before 31 July 2012 | 15% |
| 3 Year Discount | 4.25% Variable |
VARIABLE RATE currently 5.49% with a discount of 1.24% until 30 September 2013 then changing to Ipswich standard variable rate | 5.49% | 5.4% APR | No | 25% |
| 3 Year Discount for Members Only * | 4.74% Variable |
VARIABLE RATE currently 5.49% with a discount of 0.75% until 31 July 2013 then changing to Ipswich standard variable rate | 5.49% | 5.5% APR | No | 10% |
| Exclusive 3 Year Fixed Rate Affordable Home Loan (For Shared Ownership properties with Flagship Housing Group, Orwell Housing Association and Bedfordshire Pilgrims Housing Association (bpha) only | 6.75% Fixed |
FIXED RATE of 6.75% up until 31 August 2013 then changing to Ipswich standard variable rate | 5.49% | 6.2% APR | Yes. 3% if before 31 August 2013 | 5% of the share |
| 3 Year Fixed Rate Affordable Home Loan (For Shared Ownership properties in Suffolk, Norfolk, Essex, Cambs, Beds and Herts only |
7.00% |
FIXED RATE of 7.00% up until 31 July 2013 then changing to Ipswich standard variable rate | 5.49% | 6.2% APR | Yes. 3% if before 31 July 2013 | 10% of the share |
| Self Build Lifetime Variable Rate | 5.49% Variable |
VARIABLE RATE currently 5.49% guaranteed to be no more than 0.50% above Ipswich standard variable rate for the life of the loan | 5.49% | 5.9% APR | Yes. 3% if before 31 July 2013 | 25% |
| 2 Year Fixed Rate Buy to Let for purchase or remortgage |
5.85% Fixed |
FIXED RATE of 5.85% up until 30 September 2012 then changing to Ipswich standard variable rate | 5.49% | 5.9% APR | Yes. 3% if before 30 September 2012 | 25% |
| Standard Variable Rate Available to existing members only* |
5.49% Variable |
VARIABLE RATE currently 5.49% |
5.49% | 5.6% APR | No | 5% |
* Existing members are defined as those who have a mortgage with the Society or anyone who has had a savings account with the Society for over 6 months at the time of opening this account.
Bank of England Base Rate is 0.5% as at 28 June 2010.
For remortgages, you may have to pay a fee to your existing lender to release their mortgage. Post-completion, the Society’s Tariff of Charges applies. Should you switch to an alternative product at a later date either a product switch, application fee or a completion fee may be payable.
Bank of England Base Rate is 0.5% as at 28 June 2010.
For remortgages, you may have to pay a fee to your existing lender to release their mortgage. Post-completion, the Society’s Tariff of Charges applies. Should you switch to an alternative product at a later date either a product switch, application fee or a completion fee may be payable.
For additional information on our mortgage packages and lending criteria
| Mortgage Rate Guide | Download |
| For full details, including the fees, of our products, simply download a printable copy of our Mortgage Rate Guide in Adobe Acrobat pdf format. |  |
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