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Residential Mortgages

We can help your clients with their purchase or remortgage.

If our rates don't make it to the top, three things are always on the table: an open mind to unusual applications, a willingness to understand your client's circumstances and all throughout England and Wales.

LOCAL EXCLUSIVE 2.73% 2 Year Discount Rate 95% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE of 5.74% with a discount of 3.01% for 2 years then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available for purchase up to 95% LTV
  • Gifted deposits accepted up to 95% LTV (subject to satisfactory rental history)

LOCAL EXCLUSIVE PRODUCT
This product is only available where the property is located in our heartland area - Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire

STANDARD 11085, GIFTED DEPOSIT 11086

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 - £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 £142,000.00 payable over 35 years on our Standard Variable Rate currently at 5.74% with a discount of 3.01%, giving a current rate payable of 2.73% for 24 months and then our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £525.32 followed by 396 monthly payments of £772.07. The total amount payable would be £318,602.04 made up of the loan amount plus interest (£176,347.40), 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 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 17 June 2019]

LOCAL EXCLUSIVE 2.93% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.93% until 31 December 2021 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.3% APRC
  • Available for purchase up to 95% LTV
  • Gifted deposits accepted up to 95% LTV (subject to satisfactory rental history)

LOCAL EXCLUSIVE PRODUCT
This product is only available where the property is located in our heartland area - Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire

STANDARD 15185, GIFTED DEPOSIT 15186

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 FREE 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 2021
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 31/12/2021 at 2.93%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £889.39 followed by 273 monthly payments of £1,163.19. The total amount payable would be £342,654.40 made up of the loan amount plus interest (£152,564.40), a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage exit fee of £95.

The overall cost for comparison is 5.3% APRC representative.

[This representative example is based on assumptions that the loan would start from 20 September 2019]

 

 

 

3.14% 2 Year Discount Rate 95% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.60% 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.
  • Product is available for those borrowing in excess of 90% LTV and where the deposit is being gifted from a close family member  

STANDARD 11062, 67085, 67086 GIFTED DEPOSIT 11069

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 £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 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:

A mortgage of £142,500.00 payable over 35 years on our Standard Variable Rate currently at 5.74% with a discount of 2.60%, giving a current rate payable of 3.14% for 24 months and then our Standard Variable Rate for the remainder of the mortgage term would require 24 monthly payments of £559.74 followed by 396 monthly payments of £777.15. The total amount payable would be £321,604.16 made up of the loan amount plus interest (£178,650.16), an application fee of £199, 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 5.5% APRC representative.

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

3.45% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.45% up until 31 December 2021 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.5% APRC
  • Available for Purchase and Remortgage
  • Available for direct applicants in England and Wales, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire.
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073
  • Product is available for those borrowing in excess of 90% LTV and where the deposit is being gifted from a close family member  

STANDARD 15174, 72248 GIFTED DEPOSIT 15175

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 2021
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 31/12/2021 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 £941.12 followed by 273 monthly payments of £1,168.31. The total amount payable would be £345,647.87 made up of the loan amount plus interest (£155,358.87), 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.

The overall cost for comparison is 5.5% APRC representative.

[This representative example is based on assumptions that the loan would start from 16 September 2019]

 

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.

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 2021, then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available for direct applicants in England and Wales, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire.
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073.

15158, 72246, 72247

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 2021
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 31/12/2021 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £895.28 followed by 273 monthly payments of £1,163.79. The total amount payable would be £343,196.23 made up of the loan amount plus interest (£152,887.23), 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.

The overall cost for comparison is 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 16 September 2019]

 

 

 

 

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 £750k

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.

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]

2.75% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 2.75% until 31 December 2021 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

15172, 72244, 72245

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 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31 December 2021
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 31/12/2021 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £871.88 followed by 273 monthly payments of £1,161.35. The total amount payable would be £341,918.31 made up of the loan amount plus interest (£151,589.31), 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.

The overall cost for comparison is 5.3% APRC representative.

[This representative example is based on assumptions that the loan would start from 16 September 2019]

 

 

Key features of our Residential Mortgage Products

  • Loans up to £750,000 and maximum 95% LTV
  • All deals feature fee free overpayments up to 50% of original loan amount
  • No maximum age limit
  • Employed, self employed, pension and investment income considered when assessing affordability
  • New build houses accepted
  • We can assess zero hour contract workers with 18 months' employment history
  • Loans available on capital and interest, interest only including sale of property (up to 50% LTV, min £150k equity) and part/part
  • We consider guarantor loans up to 80% LTV
  • We'll lend for debt consolidation up to 90% LTV
  • We can lend up to 80% LTV on second homes and homes for dependents (not holiday lets)
  • Self employed applicants considered (separate products available for less than two years' history)
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