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Specialist Mortgages

For self builders and shared ownership applicants

Self Build Products

Self Build 4.15% 2 Year Discount Rate 80% LTV

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  • VARIABLE RATE currently 5.49% with a discount of 1.34% until 2 years from completion date then changing to Ipswich Standard Variable Rate (currently 5.49%)
  • 5.4% 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 Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.
  • Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £262,500.00 payable over 25 years on our Standard Variable Rate currently at 5.49% with a discount of 1.34%, giving a current rate payable of 4.15% until 2 years from completion then our Standard Variable Rate for remainder of the mortgage term would require 24 monthly payments of £1,415.63 followed by 276 monthly payments of £1,606.21. The total amount payable would be £477,823.08 made up of loan amount plus interest (£213,254.08), an application fee of £199, a completion fee of £1,500, a valuation fee of £240.00, a mortgage funds release fee of £35 and a mortgage exit 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 1 January 2018]

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
£1,500 £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
  • 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 see all of our current mortgage products, please download our mortgage product rate guide.

Please note our rate guide is an Excel document. Click here to download Excel Viewer from Microsoft, where you can open, view and print Excel documents even if you don't have Excel installed.



Shared Ownership Products

Shared Ownership 3.95% 2 Year Fixed Rate 95% LTV

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Fees
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  • FIXED RATE of 3.95% up until 31 January 2020 then changing to Ipswich Standard Variable Rate (currently 5.49%)
  • 5.4% 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.

 

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
- £199 Based on property valuation. Remortgage: FREE (up to max property value £1m) - - £350k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 January 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 see all of our current mortgage products, please download our mortgage product rate guide.

Please note our rate guide is an Excel document. Click here to download Excel Viewer from Microsoft, where you can open, view and print Excel documents even if you don't have Excel installed.

Shared Ownership 3.74% 2 Year Discount Rate 95% LTV

About
Fees
Apply
Download Comparison
  • VARIABLE RATE currently 5.49% with a discount of 1.75% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.4% 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.
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
- £199 Based on property valuation. Remortgage: FREE (up to max property value £1m) - - £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

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 see all of our current mortgage products, please download our mortgage product rate guide.

Please note our rate guide is an Excel document. Click here to download Excel Viewer from Microsoft, where you can open, view and print Excel documents even if you don't have Excel installed.