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What does remortgaging mean?

If your mortgage is with another lender and you are coming to the end of your existing mortgage deal, you may wish to consider switching to us. So, why not check out what we could offer you. You may have to pay a fee to your existing lender to release their mortgage.

 

Standard Residential

2.75% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.75% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.3% APRC
  • Available to direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage up to 75% LTV

15015, 72147, 72148

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 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 31 December 2020
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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate of 2.75% until 31/12/2020 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £875.73 followed by 273 monthly payments of £1,166.49. The total amount payable would be £342,590.48 made up of the loan amount plus interest (£152,261.48), an application fee of £199, a completion fee of £800, a valuation fee of £200, 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 5.3% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


2.50% 2 Year Discount Rate 75% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE of 5.74% with a discount of 3.24% until 2 years from completion then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.5% APRC
  • Available to direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage up to 75% LTV

11077, 67109, 67110

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 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 2 years from completion
Overpayment 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 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.

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 £142,500.00 payable over 35 years on our Standard Variable Rate currently at 5.74% with a discount of 3.24% giving a rate payable of 2.50% for 24 months and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £512.42 followed by 396 monthly payments of £778.07. The total amount payable would be £320,867.80 made up of the loan amount plus interest (£177,078.80), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


2.99% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.99% up until 31 December 2020, then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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

15016, 72149, 72150

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 December 2020
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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate of 2.99% until 31/12/2020 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £899.23 followed by 273 monthly payments of £1,168.93. The total amount payable would be £343,871.104 made up of the loan amount plus interest (£153,562.10), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


2.74% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 3.00% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% 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.

11076, 67107, 67108

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
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 2 years from date of completion
  • Overpayment of 50% or above - early repayment charge is 1% of the overpayment
  • Redemption - early repayment charge is 1% 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 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.

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 £142,500.00 payable over 35 years on our Standard Variable Rate currently at 5.74% with a discount of 3.00%, giving a current rate payable of 2.74% for 24 months and then our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £531.04 followed by 396 monthly payments of £779.40.
The total amount payable would be £321,841.36 made up of the loan amount plus interest (£178,052.36), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


3.45% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.45% up until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.5% APRC
  • Available for direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners.
  • Available for Purchase and Remortgage

15017, 72151

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 Based on property valuation - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2020
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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.45%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £945.28 followed by 273 monthly payments of £1,173.47. The total amount payable would be £346,333.87 made up of the loan amount plus interest (£156,044.87), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


2.50% 2 Year Discount Rate 75% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE of 5.74% with a discount of 3.24% until 2 years from completion then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.5% APRC
  • Available to direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage up to 75% LTV

11077, 67109, 67110

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 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 2 years from completion
Overpayment 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 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.

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 £142,500.00 payable over 35 years on our Standard Variable Rate currently at 5.74% with a discount of 3.24% giving a rate payable of 2.50% for 24 months and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £512.42 followed by 396 monthly payments of £778.07. The total amount payable would be £320,867.80 made up of the loan amount plus interest (£177,078.80), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]




Large Loan

Large Loan 3.59% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.34% up until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

15109, 72152, 72153

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 December 2020
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 size: £500k

 

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 look at our mortgage calculator to get an idea of what your monthly payment may be.

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 £570,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.59%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £2,885.36 followed by 273 monthly payments of £3,532.67. The total amount payable would be £1,043,047.63 made up of the loan amount plus interest (£471,488.63), an application fee of £199, a completion fee of £800, a valuation fee of £430, 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Large Loan 3.34% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.40% until 2 years from date of completion then changing to Ipswich Standard Variable Rate
  • 5.4% 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.

11078, 67111, 67112

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 2 years from date of completion
  • Overpayment of 50% or above - early repayment charge is 1% of the overpayment
  • Redemption - early repayment charge is 1% of the original loan amount
  • For remortgage only: fee assisted legals
  • Minimum loan size: £500k

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 look at our mortgage calculator to get an idea of what your monthly payment may be.

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 £570,000.00 payable over 25 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.40% for 24 months, giving a current rate payable of 3.34%, then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £2,808.99 and 276 monthly payments of £3,532.29.
The total amount payable would be £1,043,051.80 made up of the loan amount plus interest (£471,492.80), an application fee of £199, a completion fee of £800, a valuation fee of £430, 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Later Life

Later Life 2.50% 2 Year Discount Rate 75% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE of 5.74% with a discount of 3.24% for 2 years from completion, giving a payable rate of 2.50% then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available for direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage

11079, 67113, 67114

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

Unlimited fee-free 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 3.24% for 24 months, giving a current rate payable of 2.50%, then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £511.34 and 396 monthly payments of £776.44.
The total amount payable would be £320,196.40 made up of the loan amount plus interest (£176,707.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Later Life 2.75% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.75% until 31 December 2020, then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.3% APRC
  • Available for direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage

15110, 72154, 72155

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
£500 £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 31 December 2020
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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 2.75% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £874.35, followed by 273 monthly payments of £1,164.64. The total amount payable would be £342,048.17 made up of the loan amount plus interest (£152,019.17), an application fee of £199, a completion fee of £500, a valuation fee of £200, a mortgage funds release fee of £35 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 5.3% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Later Life 3.50% 5 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.50% until 30/09/2023, then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.0% APRC
  • Available for direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage

15095, 72131, 72132

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
£500 £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 2023
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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 30/09/2023 at 3.50% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 61 monthly payments of £948.86, followed by 239 monthly payments of £1,146.91.
The total amount payable would be £332,485,95 made up of the loan amount plus interest (£142,456.95), an application fee of £199, a completion fee of £500, a valuation fee of £200, a mortgage funds release fee of £35 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 5.0% APRC representative.

[This representative example is based on assumptions that the loan would start from 7 August 2018]


Buy to Let

Buy To Let 3.15% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.15% up until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

29090, 29091, 29092

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
£950 £199 Purchase: based on property valuation.Remortgage: FREE up to a maximum property value of £1m. - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2020
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 look at our mortgage calculator to get an idea of what your monthly payment may be.

This product is available to Ipswich Building Society Prestige intermediaries, selected intermediary partners and intermediaries based in our heartland area.

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 £300,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.15%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £1,450.90 followed by 273 monthly payments of £1,855.89. The total amount payable would be £546,396.27 made up of the loan amount plus interest (£244,847.27), an application fee of £199, a completion fee of £950, a valuation fee of £270, 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Buy To Let 2.95% 2 Year Discount Rate 80% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.79% until 2 years from completion date then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available to 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, Hertfordshire and Buckinghamshire. 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.

STANDARD - 24033, 24034, 24035
TOP SLICING - 24036, 24037, 24038

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
£950 £199 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 2 years from completion date
  • Overpayment of 50% or above - early repayment charge is 1% of the overpayment
  • Redemption - early repayment charge is 1% 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 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 and selected intermediary partners.

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 £266,250.00 payable over 25 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.79% for 24 months, giving a current rate payable of 2.95%, then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £1,260.32, followed by 276 monthly payments of £1,648.79. The total amount payable would be £485,847.72 made up of the loan amount plus interest (£218,078.72), an application fee of £199, a completion fee of £950, a valuation fee of £240, 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


LOW LOAN Buy to Let 2.95% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.95% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • APRC 5.4%
  • 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

29093, 29094, 29095

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
0.5% of the advance £199 Purchase: based on property valuation. Remortgage: FREE (up to max property value £1m) - £35 £150,000

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2020
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 £75,000

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 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.

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 £149,200.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 2.95% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 26 monthly payments of £707.33, followed by 274 monthly payments of £923.90. The total amount payable would be £271,588.24 made up of the loan amount plus interest (£121,153.24), an application fee of £199, a completion fee of £746, 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Buy to Let 3.75% 5 Year Fixed Rate 80% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.75% until 30 November 2023 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • APRC 5.1%
  • Available to direct applicants in England and Wales, nationally via selected intermediary partners and all intermediaries based in our heartland area.
  • Available for Purchase and Remortgage

29096, 29097, 29098

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
£1,250 £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 November 2023
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 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.

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 £300,000.00 payable over 25 years initially on a fixed rate until 31/11/2023 at 3.75% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 62 monthly payments of £1,549.00, followed by 238 monthly payments of £1,830.73. The total amount payable would be £532,315.74 made up of the loan amount plus interest (£230,466.74), an application fee of £199, a completion fee of £1,250, a valuation fee of £270, 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 25 September 2018]


Self Employed and Contractor

SPECIALIST Self Employed 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% APRC
  • The applicant's accountant must be suitably qualified in accordance with 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 1 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.

 

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 1%
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


SPECIALIST Self Employed 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

15113, 72159, 72160

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


PROFESSIONAL Self Employed 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% 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.

11082, 67119, 67120

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 1% of the overpayment
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


PROFESSIONAL Self Employed 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

15114, 72161, 72162

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Contractor 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion then changing to Ipswich Standard Variable Rate
  • 5.5% 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

11081, 67117, 67118

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 1% of the overpayment
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Contractor 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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

15115, 72163, 72164

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Self Build

Self Build 4.10% 2 Year Discount Rate 80% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 1.64% until 2 years from completion date then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.6% APRC
  • For purchase or remortgage
  • 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 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.

46032, 46033

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
£1,000 £199 Based on property valuation - £35 £500k

  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 2 years from date of completion
  • Fee-free overpayments up to 50% of the loan
  • Redemption - early repayment charge is 3% for 12 months followed by 0% for 12 months

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 look at our mortgage calculator to get an idea of what your monthly payment may be.

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 £110,000.00 payable over 15 years on our Standard Variable Rate currently at 5.74% with a discount of 1.64% , giving a current rate payable of 4.10% until 2 years from completion then our Standard Variable Rate for remainder of the mortgage term would require 24 monthly payments of £826.89 followed by 156 monthly payments of £909.90. The total amount payable would be £162,208.76 made up of loan amount plus interest (£50,754.76), an application fee of £199, a completion fee of £1,000, a valuation fee of £125, a mortgage funds release fee of £35 and a mortgage exit fee of £95.

The overall cost for comparison is 5.6% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Shared Ownership

Shared Ownership 3.50% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.50% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • APRC 5.4%
  • Available to direct applicants in England and Wales, Prestige Club intermediaries and specially selected intermediary partners
  • Available for Purchase or Remortgage (staircasing considered)
  • Minimum loan amount £100k

40046, 40047, 40048

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 FREE FREE (up to max property value £1m) - FREE £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2020
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 (excluding staircasing)

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 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.

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 £108,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.50% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £540.67, followed by 273 monthly payments of £667.83. The total amount payable would be £197,010.68 made up of the loan amount plus interest (£88,915.68) 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Shared Ownership 3.25% 2 Year Discount Rate 95% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE of 5.74% with a discount of 2.49% giving a payable rate of 3.25% until 2 years from completion then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • APRC 5.4%
  • Available to direct applicants in England and Wales, Prestige Club intermediaries and specially selected intermediary partners
  • Available for Purchase or Remortgage (staircasing considered)
  • Minimum loan amount £100k

35028, 35029, 35030

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 FREE FREE (up to max property value £1m) - FREE 350k

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

For remortgage only - fee assisted legals (excluding staircasing)

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 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.

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 £106,400.00 payable over 25 years on our Standard Variable Rate currently at 5.74% with a discount of 2.49% , giving a current rate payable of 3.25% until 2 years from completion then our Standard Variable Rate for remainder of the mortgage term would require 24 monthly payments of £518.50 followed by 276 monthly payments of £657.94. The total amount payable would be £194,130.44 made up of loan amount plus interest (£87,635.44) and a mortgage discharge fee of £95. The overall cost for comparison is 5.4% APRC representative

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Shared Ownership 3.75% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.75% up until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.5% APRC
  • Available to direct applicants, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire. 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, Tenet Lime
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.
  • Minimum loan amount £50k

40043, 40044, 40045

 

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 FREE Based on property valuation. Remortgage: FREE (up to max property value £1m) - FREE £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2020
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 (excluding staircasing)

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 look at our mortgage calculator to get an idea of what your monthly payment may be.

Representative example:

A mortgage of £76,00.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.75% and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £390.74, followed by 273 monthly payments of £470.90. The total amount payable would be £139,315.68 made up of the loan amount plus interest (£63,105.68), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Shared Ownership 3.50% 2 Year Discount Rate 95% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.24% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% APRC
  • Available to Intermediary partners, 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.
  • Minimum loan amount £50k

35022, 35023, 35024

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 FREE Based on property valuation. Remortgage: FREE (up to max property value £1m) FREE FREE £350k
  • Free free overpayments up to 50% of original loan
  • For overpayments over 50%, early repayment charge is 1% of the overpayment
  • Early repayment charge period ends 2 years from completion date

For remortgage only - fee assisted legals (excluding staircasing)

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 look at our mortgage calculator to get an idea of what your monthly payment may be.

Representative example:

A mortgage of £76,000.00 payable over 25 years on our Standard Variable Rate currently at 5.74% with a discount of 2.24% , giving a current rate payable of 3.50% until 2 years from completion then our Standard Variable Rate for remainder of the mortgage term would require 24 monthly payments of £380.47 followed by 276 monthly payments of £470.82. The total amount payable would be £139,287.60 made up of loan amount plus interest (£63,077.60), a valuation fee of £115 and a mortgage discharge fee of £95. The overall cost for comparison is 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 7 August 2018]


Self Employed 

SPECIALIST Self Employed 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

15113, 72159, 72160

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


SPECIALIST Self Employed 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% APRC
  • The applicant's accountant must be suitably qualified in accordance with 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 1 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.

 

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 1%
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


PROFESSIONAL Self Employed 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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.

15114, 72161, 72162

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


PROFESSIONAL Self Employed 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% 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.

11082, 67119, 67120

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 1% of the overpayment
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]


Contractor 3.09% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE currently 3.09% until 31 December 2020 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% 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

15115, 72163, 72164

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 December 2020
  • 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 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.

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 £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2020 at 3.09%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £909.13 followed by 273 monthly payments of £1,169.93. The total amount payable would be £344,411.40 made up of the loan amount plus interest (£154,102.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2018]


Contractor 2.84% 2 Year Discount Rate 90% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.90% until 2 years from completion then changing to Ipswich Standard Variable Rate
  • 5.5% 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

11081, 67117, 67118

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 1% of the overpayment
  • Early repayment charge period ends 2 years from completion date
  • 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 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.

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 £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.90%, giving a current rate payable of 2.84% until 2 years from completion and then on our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £538.91 followed by 396 monthly payments of £779.94.
The total amount payable would be £322,244.08 made up of the loan amount plus interest (£178,455.08), 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 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 3 September 2018]



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

Why remortgage with us?

lighthouse

Competitive products

We have a range of mortgage products that may suit your needs.

sunflower2

Do you have 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.