Residential

Residential Products

We’ve cut rates across our residential rates and our new product level aimed at marginal credit score fails is now available on all products.  

  • Rates from 2.28% - some of the lowest for clients who marginally fail a credit score
  • CCJs and Defaults don't need to be satisfied and we have no ££ value limit
  • No credit scoring to make decisions, or to determine product pricing
  • Available for capital raising, including debt consolidation, up to max LTVs
  • Free legals for all remortgages, see product guide for more information
  • LIBOR 0.3015% as of 14 September 2017

2 Year Fixed Rates

The ERC is 3% / 2%.

Rate LTV Completion Fee CCJs / Defaults  Mortgage / Secured Arrears Reversion Rate Product Code
2.28% 70% £895 0 in 48 months 0 missed payments in 48 months (max arrears status of 0 in last 6 months) LIBOR +
3.50%
NP
2.38% 75% LIBOR +
3.65%
NP
2.58% 80% LIBOR +
3.90%
NP
2.78% 85% LIBOR +
4.15%
NP
 
2.37% 70% £895 0 in 36 months  0 missed payments in 36 months (max arrears status of zero in last 6 months) LIBOR + 4.45% NP1
2.57% 75% LIBOR + 4.60% NP1
2.67% 80% LIBOR + 4.85% NP1
3.07% 85% LIBOR + 5.10% NP1
 
2.68% 70% £895 0 in 24 months  0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP2
2.68% 75% LIBOR + 4.60% NP2
2.78% 80% LIBOR + 4.85% NP2
3.18% 85% LIBOR + 5.10% NP2
 
3.23% 70% £1,195 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
3.73% 75% LIBOR + 4.90% NC3
4.28% 80% LIBOR + 5.15% NC3
4.43% 85% LIBOR + 5.40% NC3
 
3.78% 70% £1,195 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
4.18% 75% LIBOR + 5.30% NC4
4.68% 80% LIBOR + 5.55% NC4
 
4.48% 70% £1,195 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 + 5.05% NC5
4.78% 75% LIBOR + 5.30% NC5

30 Month Fixed Rates

The ERC is 3% for 1st 12 months / 2% for 2nd 18 months

Rate LTV Completion Fee CCJs / Defaults  Mortgage / Secured Arrears Reversion Rate Product Code
2.28% 70% £995 0 in 48 months 0 missed payments in 48 months (max arrears status of 0 in last 6 months) LIBOR +
3.50%
NP
2.38% 75% LIBOR +
3.65%
NP
2.58% 80% LIBOR +
3.90%
NP
2.78% 85% LIBOR +
4.15%
NP
 
2.37% 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
2.57% 75% LIBOR + 4.60% NP1
2.67% 80% LIBOR + 4.85% NP1
3.07% 85% LIBOR + 5.10% NP1
 
2.68% 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
2.68% 75% LIBOR + 4.60% NP2
2.78% 80% LIBOR + 4.85% NP2
3.18% 85% LIBOR + 5.10% NP2
 
3.23% 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
3.73% 75% LIBOR + 4.90% NC3
4.28% 80% LIBOR + 5.15% NC3
4.43% 85% LIBOR + 5.40% NC3
 
3.78% 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
4.18% 75% LIBOR + 5.30% NC4
4.68% 80% LIBOR + 5.55% NC4
 
4.48% 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 + 5.05% NC5
4.78% 75% LIBOR + 5.30% NC5

5 Year Fixed Rates

For NP products the ERC is 4% / 4% / 3% / 3% / 2%.
For NC products it's 3% / 2% / 1% / 0.5% / 0.5%

Rate LTV Completion Fee CCJs / Defaults  Mortgage / Secured Arrears Reversion Rate Product Code
2.88% 70% £995 0 in 48 months 0 missed payments in 48 months (max arrears status of 0 in last 6 months) LIBOR + 3.50% NP
2.98% 75% LIBOR + 3.65% NP
3.28% 80% LIBOR + 3.90 NP
3.48% 85% LIBOR + 4.15% NP
 
2.98% 70% £995 0 in 36 months  0 missed payments in 36 months (max arrears status of 0 in last 6 months) LIBOR + 4.45% NP1
3.08% 75% LIBOR + 4.60% NP1
3.38% 80% LIBOR + 4.85% NP1
3.58% 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
3.28% 75% LIBOR + 4.60% NP2
3.68% 80% LIBOR + 4.85% NP2
3.83% 85% LIBOR + 5.10% NP2
 
4.08% 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
4.23% 75% LIBOR + 4.90% NC3
4.83% 80% LIBOR + 5.15% NC3
5.13% 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
4.63% 75% LIBOR + 5.30% NC4
5.18% 80% LIBOR + 5.55% NC4
 
4.88% 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 + 5.05% NC5
5.18% 75% LIBOR + 5.30% NC5



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