Residential

Our Residential products offer flexibility for a range of clients who may have a blip on their credit rating.

  • 2 year discounted tracker & 2, 3 and 5 year fixed rates available
  • Plus a limited edition 30 month fixed rate
  • Up to £1m to 75% LTV; up to £750k to 85% LTV
  • No credit scoring or maximum value for CCJs / Defaults
  • Free legals for all remortgages, see product guide for more information
  • LIBOR 0.3426% as of 14 March 2017

2 Year Rates Fixed for 30 Months (Limited Edition)

The ERC is 3% / 2%.

Rate LTV Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
2.93% 70% £995 0 in 36 months 0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
3.18% 75% LIBOR + 4.60% NP1
3.38% 80% LIBOR + 4.85% NP1
3.78% 85% LIBOR + 5.10% NP1
   
3.18% 70% £995 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
3.33% 75% LIBOR + 4.60% NP2
3.63% 80% LIBOR + 4.85% NP2
4.08% 85% LIBOR + 5.10% NP2
   
3.93% 70% £995 3 in 36 months (0 in last 18 months and 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.75% NC3
4.43% 75% LIBOR + 4.90% NC3
4.88% 80% LIBOR + 5.15% NC3
5.18% 85% LIBOR + 5.40% NC3
   
4.38% 70% £995 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18) LIBOR + 5.05% NC4
4.83% 75% LIBOR + 5.30% NC4
5.23% 80% LIBOR + 5.55% NC4
   
4.83% 70% £995 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.25% NC5
5.03% 75% LIBOR + 5.50% NC5

2 Year Fixed Rates

The ERC is 3% / 2%.

Rate LTV Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
2.95% 70% £995 0 in 36 months 0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
3.28% 75% LIBOR + 4.60% NP1
3.48% 80% LIBOR + 4.85% NP1
3.88% 85% LIBOR + 5.10% NP1
   
3.28% 70% £995 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
3.43% 75% LIBOR + 4.60% NP2
3.73% 80% LIBOR + 4.85% NP2
4.13% 85% LIBOR + 5.10% NP2
   
4.03% 70% £1,295 3 in 36 months (0 in last 18 months and 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.75% NC3
4.53% 75% LIBOR + 4.90% NC3
4.93% 80% LIBOR + 5.15% NC3
5.23% 85% LIBOR + 5.40% NC3
   
4.48% 70% £1,295 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18) LIBOR + 5.05% NC4
4.93% 75% LIBOR + 5.30% NC4
5.33% 80% LIBOR + 5.55% NC4
   
4.93% 70% £1,295 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.25% NC5
5.13% 75% LIBOR + 5.50% NC5

2 Year Discounted Trackers

The ERC is 2% / 1%. Rates shown are rounded up to 2 decimal places. All Tracker rates are LIBOR + margin.

Rate LTV Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
3.02% 70% 0.50% 0 in 36 months 0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
3.30% 75% LIBOR + 4.60% NP1
3.50% 80% LIBOR + 4.85% NP1
3.90% 85% LIBOR + 5.10% NP1
   
3.30% 70% 0.50% 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
3.45% 75% LIBOR + 4.60% NP2
3.75% 80% LIBOR + 4.85% NP2
4.15% 85% LIBOR + 5.10% NP2
   
4.05% 70% 0.50% 3 in 36 months (0 in last 18 months and 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.75% NC3
4.55% 75% LIBOR + 4.90% NC3
4.95% 80% LIBOR + 5.15% NC3
5.25% 85% LIBOR + 5.40% NC3
   
4.50% 70% 0.50% 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18) LIBOR + 5.05% NC4
4.95% 75% LIBOR + 5.30% NC4
5.35% 80% LIBOR + 5.55% NC4
   
4.95% 70% 0.50% 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.25% NC5
5.15% 75% LIBOR + 5.50% NC5

3 Year Fixed Rates

The ERC is 3% / 2% / 1%.

Rate LTV Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
3.18% 70% £1,495 0 in 36 months 0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
3.33% 75% LIBOR + 4.60% NP1
3.63% 80% LIBOR + 4.85% NP1
4.03% 85% LIBOR + 5.10% NP1
   
3.28% 70% £1,495 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
3.43% 75% LIBOR + 4.60% NP2
3.83% 80% LIBOR + 4.85% NP2
4.18% 85% LIBOR + 5.10% NP2
   
3.93% 70% £1,495 3 in 36 months (0 in last 18 months and 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.75% NC3
4.43% 75% LIBOR + 4.90% NC3
4.83% 80% LIBOR + 5.15% NC3
5.13% 85% LIBOR + 5.40% NC3
   
4.38% 70% £1,495 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18) LIBOR + 5.05% NC4
4.83% 75% LIBOR + 5.30% NC4
5.23% 80% LIBOR + 5.55% NC4
   
4.83% 70% £1,495 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.25% NC5
5.03% 75% LIBOR + 5.50% NC5

5 Year Fixed Rates

The ERC is 3% / 2% / 1% / 0.5% / 0.5%.

Rate LTV Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
3.53% 70% £995 0 in 36 months 0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
3.73% 75% LIBOR + 4.60% NP1
3.83% 80% LIBOR + 4.85% NP1
4.28% 85% LIBOR + 5.10% NP1
   
3.63% 70% £995 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
3.83% 75% LIBOR + 4.60% NP2
4.13% 80% LIBOR + 4.85% NP2
4.48% 85% LIBOR + 5.10% NP2
   
4.38% 70% £1,295 3 in 36 months (0 in last 18 months and 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.75% NC3
4.78% 75% LIBOR + 4.90% NC3
5.33% 80% LIBOR + 5.15% NC3
5.63% 85% LIBOR + 5.40% NC3
   
4.83% 70% £1,295 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18) LIBOR + 5.05% NC4
5.13% 75% LIBOR + 5.30% NC4
5.68% 80% LIBOR + 5.55% NC4
   
5.18% 70% £1,295 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.25% NC5
5.38% 75% LIBOR + 5.50% NC5

 

Key Criteria Overview

  • Self employed – minimum 1 year’s trading
  • Up to 85% LTV for Residential
  • Minimum income £18,000 per application
  • Free legals on all remortgages
  • Minimum loan size of £25,001
  • Maximum term of 35 years

 

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